Job: Business Development Manager / Commercial Business Analysis Manager / Sale Manager, Non Credit / Relationship Manager / SME Loan Executive

AMK Microfinance Institution Plc. is one of Cambodia’s leading microfinance institutions, with coverage all over the country. AMK employs over 3,500 staff serving almost 1,000,000 clients in nearly 13,000 villages across Cambodia, 91% of all villages. We are looking for a talented and committed individual to join our diversified team, and offering attractive career prospects across branches and departments of our business.

A job at AMK is more than just a paycheck – we support our employees in their development and growth and help them explore their unique strengths.
1. Business Development Manager (1 Post)
2. Commercial Business Analysis Manager (1 Post)
3. Sale Manager, Non Credit (1 Post)
4. Relationship Manager (1 Post)
5. SME Loan Executive (13 Posts)
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01/ Job Title: Business Development Manager (1 Post)
Report to: Head of Channel and Operations Department
Location: Head Office
Closing Date: May 04, 2020

Job Responsibilities:

• Responsible for the International Remittance product and related projects
• Lead direct relationship with business partners both local and international
• Work closely with partner to execute effective marketing strategy for project under supervision
• Responsible for negotiation and writing business proposal for projects
• Execute and negotiate agreements, renewals and amendments for operating business
• Responsible for coordination and reporting for internal requirement and partners
• Work with Product team and IT team on the implementation of business or project for partners
• Act as contact point for partner to receive feedback, resolve issues and propose better solution for future process
• Any other task as deemed necessary and requested by Head of Channel and Operations

Qualification and Experiences:

• At least Bachelor’s degree or equivalent preferable
• At least 3 years’ experiences in sales, business development and dealing partners
• Negotiation and facilitation skills
• Honesty and excellent interpersonal skills
• Very strong communication skills in English and Khmer (written and spoken)
• Ability to work with cross functional teams
• Proficient with MS Word, Excel, and PowerPoint

02/ Job Title: Commercial Business Analysis Manager (1 Post)
Report to: Chief Commercial Business Officer
Location: Head Office
Closing Date: May 04, 2020

Job Responsibilities:

• Work with all Heads of Commercial Business to contribute in a development of business plan and strategies of loans, deposits, payment, payroll, value chain financing and other services.
• Provide an on-going analysis on the evolution of commercial businesses growth, particularly on deposits, loans, payroll, payment and other related businesses, for a development of reports for relevant management committees, such as EXCOM, M-ALCO, Credit Risk Committees, etc.
• Work with Commercial Business Development Manager and other relevant Relationship Managers to provide cost and benefit analysis on each business case or product proposal for customers or business partners.
• Develop commercial sale tracking tools, business performance reports, and other allowance and incentive monitoring tools to effectively reinforce the sale management of commercial business division.
• Develop KRI monitoring tools and regularly follow up its reports to ensure there is no gap of non-compliance and risks related to deposit, loans and other service operations and regulation.
• Follow-up the evolution of the competitive environment and economic situation to provide a regular information of business intelligence for relevant stakeholders for a development and timely correction of strategic execution plan.
• Collaborate with IT and other related departments for constructing necessary reports and controlling mechanism which are needed by Commercial Business Division.
• Other tasks assigned by Chief Commercial Business Officer and other heads of commercial Business.

Qualification and Experiences:

• Bachelor’s degree in Accounting, Economics, Banking & Finance, or related fields
• Having at least 2-year experience in financial management, or treasury or economic.
• Strong analysis skill is required.
• Planning and organizing skills and ability to work under pressure
• Good computer skills especially advance Microsoft Excel.
• Working knowledge of English
• High motivation and ability to work without supervision
• Good interpersonal and team work skills

03/ Job Title: Sale Manager, Non Credit (1 Post)
Report to: Relationship Manager
Location: Head Office
Closing Date: May 04, 2020

Job Responsibilities

• Work and assist Relationship Manager to ensure the overall achievement of the commercial and superior banking sale target such as saving, payroll and payment, etc. at branch level.
• Identify size of potential market and opportunity for leveraging a growth from and for both new and existing customers.
• Identify the specific needs of customers and be responsible for servicing and dealing with commercial clients and key customers (superior clients) at the branch, including marketing activities, sale presentation, relationship and other administrative works.
• Contribute to the development of sound profitable business by leveraging of cross selling of AMK’s products and services to existing and new commercial and superior customers.
• Contribute to the development of sound profitable business by creating effective referral networks, including internal business relationship, existing customer and local market activities
• Regularly follow-up and evaluate the actual performance versus its target assigned – when results fall short of target, understand why and take actions what to do differently to improve performance with your line manager.
• Keep up-to-date the competitors’ information, including their products, services and other marketing activities.
• Keep up-to-date with AMK’s marketing activities, products & services, and its product and market proposition to ensure both new and existing customers could be well educated and leveraged as much as possible the opportunities to support their businesses.
• Contribute in customer referral or cross selling of other products if there is a need.
• Other tasks assigned by Relationship Manager

Qualification and Experiences:

• Bachelor’s Degree in Banking, Management, Business Administration, or Marketing
• At least 1-year experience in banking, microfinance or other field of business operations, especially involving with segments of SME, commercial and high profile individual customers.
• Good relationship networks, especially with segments of SME, commercial and high profile individual customers, is an advantage.
• Ability to communication in English and Khmer (written and spoken)
• High motivation and creativity
• Good conceptualization and analytical skills
• Honesty and good interpersonal skills

04/ Job Title: Relationship Manager (1 Post)
Report to: Head of Commercial Business
Location: Takeo Province
Closing Date: May 04, 2020

Job Responsibilities:

• Contribute a development of product, selling and marketing strategies on commercial and superior banking business to support the growth and advancement within the competitive industry.
• Provide and support sale manager(s) the commercial and superior banking strategies and selling tactics to ensure they are well equipped for accomplishment of their target and objectives.
• Manage, monitor and evaluate sale manager(s) to ensure the efficiency and effectiveness of their works toward the assigned goal and objectives.
• Build market network and conduct sale approaches to potential clients, especially key Individuals, SMEs and Corporate Clients
• Make appointment and conduct sale presentation to promote commercial and superior banking services to potential customers.
• Manage and build relationship with existing customers to maximize the cross-selling opportunities on all available financial products and services of the company.
• Prepare and properly manage client base, including management of sales pipeline report for Head, Commercial Business and Chief Commercial Business Officer.
• Develop and manage referral from both existing clients or other sources
• Keep up-to-date the competitors’ information, including their products, services and other marketing activities.
• Keep up-to-date with AMK’s marketing activities, products & services, and its product and market proposition to ensure both new and existing customers could be well educated and leveraged as much as possible the opportunities to support their businesses.
• Work with Regional Channel Manager and Provincial Managers to effectively serve commercial and superior customers.
• Contribute in customer referral or cross selling of other products if there is a need
• Other tasks assigned by Head, Commercial Business

Qualification and Experiences:

• Bachelor’s Degree in relevant field
• At least 2-year experiences in banking, microfinance or other field of business operations, especially involving with segments of SME, commercial and high profile individual customers.
• Good relationship network, especially with segments of SME, commercial and high profile individual customers, is an advantage.
• High energy individual who can motivate staff and create business momentum
• Good communication in English (written and spoken)
• Good communication in Chinese is an advantage (written and spoken)
• Ability to work with cross functional teams
• Strong conceptualization and analytical skills
• Honesty and excellent interpersonal skills

05/ Job Title: SME Loan Executive (13 Posts)
Report to: Sale Manager
Closing Date: May 04, 2020
Location:

1. Ang Snoul (1Post)
2. Kampong Thmor (1Post)
3. Kong Pisei (1Post)
4. Kampong Chhnang (1Post)
5. Kampot (1Post)
6. Preah Vihear (1Post)
7. Pursat (1Post)
8. Puok (2Posts)
9. Siem Reap (1Post)
10. Stueng Treng (3Posts)

Job Responsibilities

• Promote SME products to target clients (focus on Entrepreneurs, Retailer, seller …)
• Assessment and disbursement Loan
• Follow up and maintenance loan quality
• Prepare loan projection plan and monthly disburse plan with approval by Sale Manager
• Maintenance loan quality
• Follow up and solve problem then report to Sale Manager
• Liaison with the local authority in initiating promotion and loan problem settlement
• Performs other duties as required by Sale Manager.

Qualification and Experiences:

• At least study in 4 years at university in Economics, Banking &Finance, or related fields
• At least two years’ experiences in credit officer position at MFI or bank.
• Objectivity, sound judgment and problem-solving skills
• Planning and organizing skills and ability to work under pressure
• Adequate knowledge on credit and loan policies and methodologies
• Willing to drive and work at the field
• Good computer skills
• Working knowledge of English
• High motivation and ability to work without supervision
• Good interpersonal and team work skills

Benefits

• Competitive salary package to the employees
• Khmer new year bonus
• Phchum Ben bonus
• Retention bonus
• Retirement bonus
• Incentive
• Pension fund
• 100% medical insurance for employee’s spouse and children for local treatment
• Overseas treatment
• Accident insurance 24/7days
• Education loan with only 2% interest rate per year
• Housing loan with only 5% interest rate per year
• Maternity/Paternity Allowance
• Annual leave based on Cambodia labour law
• Capacity development and opportunity to promote per job requirement
• Seniority payment
• Working condition in accordance to the Cambodian Labor Law

HOW TO APPLY

Interested candidates should apply by sending a CV and a cover letter to: AMK branch and sub-branch offices or Head Office, Building 285, Yothapol Khemarak Phoumin Blvd. (271), Sk. Tomnub Tuek, Kh. Chamkarmorn, Phnom Penh, Cambodia or E-mail: [email protected]

Attachments:

• A copy of obtained certificates or confirm letter by the University
• A copy of national identification, family book, and certificate of birth

For additional information, please contact at Tel: (023) 993 062 / (023) 224 763 or visiting website: www.amkcambodia.com
AMK is an equal opportunity employment. Qualified women and persons with disabilities are encouraged to apply.