Digital Banking Acquisition Management Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Develop and implement effective sales strategies to acquire new users, merchants, and partners, and increase the usage of digital banking services among the recruited merchants.
- Strategize to identify and onboard potential target merchants and build strong relationships with merchants to ensure a seamless acquisition process and ensuring comply with policies and procedures with clearly understand the usage of digital banking services.
- Drive revenue growth by identifying sales opportunity of acquiring and onboarding merchants with ensuring the continuous growth of the merchants.
- Undertakes regular market visits to identify and recruit potential clients, value-merchants and partners for digital products and determine potential cross sells to other products and services.
- Influence and sell concepts internally while driving streamlined decision-making process across partners. Build compelling business cases around market opportunities and partnerships.
- Build and maintain strong relationships with merchants and business owners to ensure the merchant POSM (Point of sales materials) branding materials are visible, clean and up to date with keep active transactions.
- Closed collaboration with marketing and relevant departments to develop and implement the marketing promotion and campaign on payments services and digital products to raise awareness to public and making mobile banking be on top of customer’s mind.
- Lead, direct and manage the digital banking sales team, setting the performance targets and ensuring the team is motivated and equipped to meet the goals. Provides coaching and training to drive digital banking acquisition teams to ensure strong growth of mobile banking, Merchants and partners.
- Track and analyze key metrics related to merchant acquisition and team performance.
- Direct and drives branches to identify and onboard value-merchants to achieve plan by motivating and coaching.
- Update the competitor’s activities in the market and consolidate the collected feedback from customers and reporting to manager.
- Plan and execute major national events, programs, and activities aimed at driving merchant acquisition.
- Enforce discipline to ensure efficiency, maintain good staff morale, and promote the company's corporate image.
- Perform other duties as assigned by Head of Digital Banking Department.
- Bachelor’s degree in marketing, Business, or a related field.
- Proven experience in a similar role, preferably in the same industry.
- Strong analytical skills and experience with customer segmentation and market research.
- Excellent communication and collaboration skills.
- Ability to develop and execute effective marketing strategies.
- Strong product development and policy development skills.
Head of Marketing Department (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Marketing and Branding:
- Develop marketing plans and strategies including advertising, communications, and brand positioning.
- Ensure LOLC’s brand message is strong and consistent across all channels and marketing efforts such as events, email campaigns, web pages and promotional materials.
- Build brand awareness and positioning.
- Coordinate with sales team to boost LOLC’s branding and promote the institution and its products and services.
- Actively involved in advertising, promotion, and public media relations.
- Digital Marketing:
- Develop overall digital marketing strategy.
- Plan and control the company's social media channels and company website.
- Monitor the primary marketing metrics to establish the effectiveness of online advertising
- Oversee digital campaign plans to ensure they are innovative, brand led and effective.
- Analysis of end-to-end consumer experience in different digital channels.
- Customer Services:
- Develop customer service standards and guidelines.
- Create a culture and processes which achieve business goals and objectives with regards to better customer service.
- Identify new tools and technologies to better serve the customer.
- Drive better client satisfaction through improving service.
- Monitor customer service implementation at branch levels to ensure good customer services are provided to clients and minimize the client’s waiting time
- Contact Center:
- Manage the day to day performance of the contact center team to deliver a best class services.
- Enhance the First Call Resolution to clients.
- Act as the Voice of the Customer across the company by summarizing and presenting the common clients’ issues to management for solutions.
- Prepare monthly complaint report and present to management.
- Act as focal person in dealing clients complaint to NBC.
- Research:
- Guide research team to conduct regular researches in order to learn about competitors’ product features, clients’ demand, and other external factors that may affect LOLC’s business.
- Conduct SWOT analysis for LOLC by analyzing the strategic position of LOLC compared to the industry.
- Manage the on-going monitoring and reporting of LOLC market share in the microfinance sector.
- Plan and implement market research and customer surveys to assess and evaluate demand, brand positioning and awareness of LOLC financial products and services.
- Master Degree/Bachelor Degree in Marketing, Business Administration, or related field.
- At least 5-year experiences in leading marketing and branding with financial institution.
- Strong branding and design concept.
- Sound Knowledge of customer service standard.
- Strong interpersonal and communication skills with the ability to adjust with different types of audiences.
- Strong initiatives and attention to detail.
- Ability to use design software.
- Familiarity with emerging issues related to microfinance in Cambodia.
Deputy Head of Business Department (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Provide guidance and support to regional managers in implementing branch strategies.
- Conduct regular branch visits to assess performance and provide feedback.
- Facilitate communication between branches and head office to ensure alignment.
- Address and resolve operational issues at the branch level.
- Engage with relevant departments and key stakeholders to ensure branch activities align with LOLC’s strategic goals.
- Develop and implement strategies to increase loan portfolio growth.
- Monitor loan performance and take corrective actions as needed.
- Analyze market trends to identify new opportunities for loan products.
- Collaborate with marketing teams and relevant department to promote loan and other financial service products.
- Ensure compliance with lending policies and procedures.
- Implement and monitor internal control systems at the branch level.
- Ensure branches comply with regulatory requirements and internal policies.
- Provide training on risk management practices to branch staff.
- Regularly review and update risk management policies and procedures.
- Coordinate with business department and relevant developments to ensure branch readiness for new products.
- Monitor and evaluate the effectiveness of product delivery at branches.
- Address customer feedback and improve service delivery processes.
- Ensure branches have the necessary resources and support to deliver products.
- Identify training needs and develop training programs for regional and branch managers.
- Implement performance management systems to track and improve performance.
- Develop succession plans for key positions within the branches.
- Prepare and present regular reports on branch performance to senior management.
- Participate in strategic planning and decision-making processes.
- Lead special projects and initiatives as assigned.
- Stay updated on industry trends and best practices.
- Experience: Minimum of 7 years of experience in the banking and financial sector, with at least 5 years in management roles.
- Education: Bachelor’s degree in business administration, Finance, or a related field. A master’s degree is preferred.
- Strong understanding of financial services and products and excellent communication and leadership skills.
- Proven track record in managing and growing loan portfolios with strong risk management and internal control skills.
- Ability to work collaboratively with various departments and teams.
- Strategic thinker with strong analytical skills.
- Leadership: Ability to lead and develop teams effectively.
- Communication: Excellent verbal and written communication skills.
- Analytical Skills: Ability to analyze data and make informed decisions.
- Adaptability: Ability to adapt to changing business environments and priorities.
Senior HR Business Partner (Employee Relations) (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Work closely with Branch Managers and Regional Managers on staff retention, staff engagement, disciplinary action and transfer processes.
- Facilitate and provide consultation in promotion, demotion, transfer, career rotation, career mapping and staff recognition in order to ensure the fairness and alignment with internal guidelines.
- Implement succession planning, and talent management processes ensuring accuracy and consistency of information with fair and efficiency.
- Oversee the implementation of code of conduct, corporate culture and value.
- Deal with retention intervention and conduct exit interview when required.
- Conduct employee engagement to understand about staff feeling, career interest, and business challenges and performance.
- Offering counseling services to employees.
- Liaising between employees and management.
- Managing employee complaints.
- Manages and resolves complex employee relations issues. Conducts effective, thorough and objective investigations.
- Analyze information and feedback regarding to people or business issues and work with concern management to find proper solutions.
- Oversee market change related to benefit and business status and update to Head of HR.
- Other tasks assigned by Head of HR.
- Degree in HRM, management, business administration or related field.
- Knowledge in HRBP, Performance Management, Talent Management, and Succession planning.
- Minimum 03-year experiences in HR functions.
- Good staff motivation, engagement and leadership skills.
- Ability to work in complex working environment and change management.
- Computer Literacy.
- Can travel to branches.
- Good verbal and written communication both Khmer and English.
SME Lending Specialist (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Review SME loans which are submitted from branches and recommended to credit committee.
- Monitor performance of team members to have more efficiency and supporting errors of loan proposals submitted by branches.
- Collect and control errors of loan proposals submitted by branches, analyzed and commented to loan case in liaison with loan policies.
- Regular on-site support to branch network in order to encourage achieving targets, pushing or improving results.
- Strengthen SME loan assessment with BM/DBM/HFSA/FSA.
- Select poor portfolio performance of branches, identify problems and propose actions to improve.
- Follow compliant from clients related to SME loan service.
- Visit SME clients which loan size is over to the authorization of Branch Manager and provided loan recommendation if it’s required by the Credit Committee.
- Regularly monitor Loan Portfolio Quality and Overdue report from Branches.
- Can travel to branches for conducting staff trainings of SME loan assessments and document preparations.
- Updated agriculture prize crop and commodity profile to ensure branch effective implement.
- Monitor and support branch performance of his/her credit related products (online and field visit).
- Continually analyzes prices of agriculture, trend of sale and quarterly updated.
- Update branch staff regarding any changes of Agriculture Lending policies and implementation.
- Perform other duties as assigned by Head of Credit Department/SME Unit Manager.
- BA in Banking/Finance or Business Management or equivalence.
- Minimum of 02-year lending experience with a focus on MSME segments.
- Minimum of 2 years of experience of working in regulated financial institution, preferable with some direct lending management experience.
- Experience with building strong relationships to achieve loan growth targets.
- Excellent working knowledge of the market.
- Solid knowledge of risk, macroeconomics, trading, and portfolio theory.
- Good technical knowledge of MS Office products (Excel , Word, others)
- Proactive, flexible and a good team player.
Corporate Loan Expert (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Acquire new corporate loans to hit the disbursement target.
- Develop the Corporate Loan Product including the product policies, operating manual, covenant, etc.
- Ensure the client’s performance complies with all the covenants set by LOLC.
- Prepare comprehensive report including the performance quality, control to be improved, etc. to management frequently.
- Strengthen relationships with existing customers.
- Explain to clients the different types of loans and credit choices that are available, including the terms, to promote cross-selling opportunities.
- Collect all corporate clients’ required documents for loan applications to ensure they are eligible for approval.
- Evaluate applicants' financial conditions, P&L, business conditions, cash flow, credit history, etc. to determine corporate clients’ repayment capacity.
- Conduct due diligence during the loan assessment process to obtain in-depth information concerning the purpose of sound credit assessment and lending decisions.
- Ensure adherence to relevant policies, procedures, and regulations including corporate structure and legal standing, license and permits, environmental and social impact, anti-money laundering (AML), and know your-customer (KYC), etc.
- Proactively manage the loan portfolio by following up on delinquent clients and referring cases to supervisors.
- Stay up to date on new types of loans and other financial services and products to better serve customers.
- Collaborate with relevant stakeholders to identify and address any gaps in our existing process or policy (if any).
- Perform other duties as assigned by Head of Business Department.
- At least Bachelor’s Degree in business, management, finance and banking, or related fields.
- Minimum of 3 years’ experience in sales and corporate loans assessment.
- Strong analytical skills in financial statement and accounting standards.
- A strong understanding of financial compliance and regulatory requirements is a plus.
- Strong verbal and written communication skills in both English and Khmer.
- Good knowledge of the corporate business sector and the overall business environment in Cambodia.
- Computer literacy.
Administration Intern (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Assist in providing administrative services to support the whole LOLC operations.
- Assist in preparing and keeping all administrative documents in an orderly manner.
- Stick inventory code on all assets purchased.
- Prepare item delivery to LOLC branches.
- Take quote(s) from suppliers.
- Perform other tasks assigned by manager.
- Under graduate/graduate of any related fields.
- Able to type English and Khmer Unicode.
- Understanding of English speaking and writing is an asset.
- Honesty, willingness to learn, hard-working, fast learner, team player, open-minded; and good communication and inter-personal skill.
មន្រ្តីគាំទ្រដោះស្រាយបំណុល (1 Position)
Position Summary Expectations - Duties, Responsibilities
ទីតាំង៖ភូមិភាគកំពត
- ចូលរួមរៀបចំផែនការប្រមូលបំណុលលុបចេញពីបញ្ជីប្រចាំឆ្នាំដើម្បីដាក់ឱ្យសាខាអនុវត្ត និងធានាបានថាផែនការនោះបានបែងចែកដល់បុគ្គលិកពាក់ព័ន្ធបានទាន់ពេលវេលា។
- ចូលរួមតាមដានសកម្មភាព និងលទ្ធផលនៃការដោះស្រាយបំណុលយឺតយ៉ាវ និងការប្រមូលបំណុលលុបចេញពីបញ្ជីរបស់សាខា ដើម្បីធានាបាននូវប្រសិទ្ធភាពខ្ពស់។
- ចូលរួមត្រួតពិនិត្យសាខា ដើម្បីធានាបានថាមានបុគ្គលិកគ្រប់គ្រងបំណុលលុបចេញពីបញ្ជី និងបំណុលយឺតយ៉ាវទាំងអស់ និងបុគ្គលិកមានរបាយការណ៍ពាក់ព័ន្ធបានទាន់ពេលវេលា។
- ចូលរួមផ្តល់ការបណ្តុះបណ្តាលដល់សាខា ទៅលើបច្ចេកទេសក្នុងការដោះស្រាយបំណុល។
- ចូលរួមផ្តល់ការប្រឹក្សា និងផ្តល់ដំណោះស្រាយជូនសាខាពាក់ព័ន្ធវិធីសាស្ត្រក្នុងការដោះស្រាយបំណុល។
- ចូលរួមជម្រុញសាខា ដើម្បីកំណត់អតិថិជនអាទិភាពក្នុងការរៀបចំបណ្តឹងទៅតុលាការ។
- ចូលរួមក្នុងការប្រឹក្សាជាមួយផ្នែកច្បាប់ ដើម្បីរៀបចំបណ្តឹងទៅតុលាការនិង/ឬក្រៅប្រព័ន្ធតុលាការ។
- ចូលរួមក្នុងការផ្សះផ្សារជាមួយអតិថិជន។
- ជួយសាខាដើម្បីរៀបចំសំណើរដោះស្រាយបំណុលដាក់ជូនថ្នាក់គ្រប់គ្រងអនុម័ត។
- ជួយរៀបចំសំណើរលុបបំណុលចេញពីបញ្ជី។
- មានបរិញ្ញាបត្រផ្នែកគ្រប់គ្រង ទីផ្សារ និងសញ្ញាបត្រដែលមានតម្លៃស្មើ។
- ត្រូវមានបទពិសោធន៍បម្រើការងារជាមួយគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុយ៉ាងហោចពីរឆ្នាំ។
- ចេះវិភាគរបាយការណ៍ហិរញ្ញវត្ថុ និងរបាយការណ៍ប្រតិបត្តិការដែលរួមមានកាលវិភាគបង់ប្រាក់ និងរបាយការណ៍ស្ថានភាពបំណុល។
- មានចំណេះដឹងផ្នែកច្បាប់ហិរញ្ញវត្ថុនិងធនាគារ និងច្បាប់កិច្ចសន្យារបស់ព្រះរាជាណាចក្រកម្ពុជា។
- ចេះប្រើកុំព្យូទ័រស្ទាត់ជំនាញ (Microsoft word and Excel)
- មានជំនាញទំនាក់ទំនង ពូកែសង្កេតអាកប្បកិរិយារបស់មនុស្ស និងមានជំនាញបញ្ចុះបញ្ចូល។
