Job Announcement. Corporate Sales Executive(CSE) Internal Audit Department. Internal Auditor 03. Head Office. Treasury Department Reporting Officer 01

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1 Job Announcement KREDIT Microfinance Institution Plc., founded in 1993, is a permanent license Christian Microfinance Institution which is contributing to the social and economic development of communities by enabling the economically active poor to improve their lives through its reliable and sustainable financial services such as Loan, Deposit, ATM&CDM, Fast Payment, Payroll service, and local money transfer. To meet our recent operational growth and expansion, KREDIT Microfinance Institution Plc. is currently seeking for qualified candidates for the positions as the following: Work Area(Regional) Work Place(Branch) Positions Amount Sales and Customer Service Department Corporate Sales Executive(CSE) 02 Internal Audit Department Internal Auditor 03 Head Office Treasury Department Reporting Officer 01 Risk and Compliance Department Sales & Customer Service Department Senior Credit Risk Officer 01 Call Center Officer 01 Regional-Siem Reap/Kampong Thom Regional-Banteay Meanchey Regional- Takeo/Kampot Krong Siem Reap Regional Admin 01 Krong Serei Saophoan Regional Admin 01 Krong Daun Keo Regional Admin 01 Regional-Kratie Krong Kracheh Regional Admin 01 Regional-Prey Veng/Svay Rieng Regional-Phnom Penh/Kandal Svay Antor Regional Admin 01 Krong Ta Khmao Bad Debt Officer Corporate Sales Executive(CSE) Participate in developing policies, procedures, guidelines and sale strategies. Participate in setting sales plan and execute the strategies on non-credit services. Select potential prospective such as business owners, NGOs, churches, companies and other partners for business activities. Prepare slides to present to corporate clients Make direct sale, appointment with potential prospective to sell non-credit services/other products or services of KREDIT. Bachelor degree in marketing, business management or similar disciplines equivalent At least one year of corporate sale experience with banks and MFI or relevant fields Proficiency of English language (Third language: Mandarin or Thai is more advantage and priority) Skills of identifying, evaluating, presenting and selling to the target corporate client Have ability to approach to the right person or high level officer of the target firm

2 Provide direct support to the braches on corporate sales activities, present the services/products to potential prospective, Maintain good relationship with existing and potential prospective Follow up market information, competitors product information then report to direct Prepare the corporate sale report and monitor the corporate sale performance across the country Work with branch staff, CSOs and CREs, to ensure the quality and timely preparation of corporate sales report and corporate sale performance. Coordinates liaison corporate sales activity between branched and sales and customer service department. Ensure that all corporate sales activities are in accordance with policies and guidelines. Understanding all risks in corporate selling process on all KREDIT service/product by reporting to related manager for finding the way to prevent and solving problem on time. Other Activities as assign from supervisor and requirement from KREDIT. 2.Call Center Officer Ω. Job Responsibilities: Receive call from customers from both call and . Provide customer assistant for first level support on ATM and E-banking product. Handle customer compliant and dispute resolution and call log. Facilitate between customers and related branches and departments to resolve the issues from customers. Provide customer service to staff and escalate the issue to involved party if required. Follow up every issues and complaints to related branches and departments to make sure that all the issues are solved with satisfaction level. Be Responsible for inbound and outbound call and respond to customer inquiry about products and service, term and condition, location, etc. Knowledge on analyzing, convincing corporate target clients, business concept/process/flow, and value chain of corporate sector Have the sense of transforming the business activities to match with the financial products and provide the solution to the corporate client Capacity to enlarge the corporate reference to another firm A professional and protocol behaviors to match with the corporate client Obtain the high level of communication and negotiation skills with the corporate client Feel confident to represent KREDIT and build KREDIT branding in front of the corporate target Demonstrate ability to communicate, present and influence credible and effectively at all levels of the organization including executive level Have a strong networking in the corporate sectors Ability to drive the sales process from plan to close, to articulate the distinct aspect of products and services and position them against competitors Willing to travel to all KREDIT s operation areas in provinces Both gender is encouraged. Ω. Job Requirement: Available to work at Flexible NighTime hift Bachelor degree in marketing, business management or similar disciplines equivalent Effective and professional communication skill Strong customer focus and relationship building skill Complaint management and problem solving skill Fluent both oral and written Khmer and English language Previous experience in financial industry in sale and customer services/call center is a plus Knowledge in ATM and Mobile banking is a plus Proficiency of computer Ms. Word and Excel.

3 Prepare daily report to branch about the customer s request. Prepare consolidate monthly report on customer call. Monitor the call center system to make sure that the call center operation is working smoothly. Prepare, update and monitor the customer relationship management (CRM) to provide the good customer service to customers. Perform other duties from time to time as assigned. 3. Internal Auditor Perform on operational audits such; loan, saving, remittance, HR management, fixed asset/inventory management, administration, cash management and other controls. Check whether all KREDIT policies procedures and memos were officially approved by management or the Board of Director Assist to develop audit procedure/program Perform audit activity planning and audit executing with effective manner. Prepare/do draft audit report with prior verification from senior auditor before doing the exit meeting to branch/sub branch manager Follow up/review the appropriateness of management s responses/feedback in the draft audit report then send to direct supervisor in timely manner Do monthly activity audit report to direct supervisor in a timely manner Comply with audit Code of Ethics Learn and adapt well with policies and procedures, law and regulation, updated MEMO and every principle of KREDIT Accountable for the duties and obligation to achieve the vision, mission and core values of KREDIT through God s will Participate and keep the reputation, honorary and the cultural of KREDIT Keep track and manage all hard and soft of audit documents Keep continuing professional education as required Perform other urgent tasks as necessary and required by supervisor/company 4. Reporting Officer BBA field in Accounting or Banking and Finance or Auditing Fresh graduate which having more knowledge in auditing, risk and internal control is encouraged to apply Experience in accounting, auditing and/or other related field in microfinance is more preferable Good interpersonal skill, hardworking, teamwork Proven analytical and problem solving skills Good interviewing and presenting skills Ability to write in clear and concise report in English and Khmer and communicate effectively Dynamic and pleasant personality Proficiency in the use of office software products (MS Word, Excel, Power Point, graphs, etc.) and in the compilation of statistical data Strongly support the vision and mission of KREDIT Ability to travel and stay in province at least 40%

4 Review regular sources of information and data required for preparation of reports. Prepare lender report monthly, quarterly, semiannually and yearly. Prepare other necessary reports for NBC and other stakeholders. Produce financial report format for any new report. Make sure that the reports are accuracy and timely Coordinate and work closely with related department for consolidating the reports. Send and Monitor debt covenant and advise supervisor for any breach. Send correspondent to lender for any inquiry. Review loan agreement and provide comment. Inform and provide recommendation to manager of significant development, challenge in an area of responsibility; and Carryout any other duties assigned by management 5. Regional Admin Advertise and stick job announcement to information board, university, and church to collect the candidates for each position. Do home visit and facilitate to do health check, NSF card, work book, announcement in-out staff movement to the ministry. Collect and do guarantor, relative, and heritage letter as well as recruitment compensation and employment contract to human resource department. Facilitate and report the staff s accident and sickness to human resource department. Stationary/Office Equipment& Supply/material for staff/printed paper-prepare the request to buy it monthly and check the price or quote to submit to administration department. Seperate and send it to each branch in regional, collect all related document, and send them to head office. Control and check the promotional tools and report the broken Sign board, Sign post, Facade, Counter, ATM booth, Generator, office building to Administration department. Daily check and observe the office security and alert security guards Bachelor s degree in Accounting/Finance or Banking Management At least two years experience in Banking or MFIs industry Knowledge of the Advanced Excel computing program Good English writing skill. Proficient in MS Words, PowerPoint, Internet and Clean track record with evidence of delivering result. Honest and excellent character with high commitment to work. Bachelor Degree or equalent certificate Good communication Skill and friendly with other Computer knowledge: word, Excel, Power Point, and Intermidiate of English knowledge in writing, listening, Speaking, and reading For internal staff can apply: regional internal auditor and regional IT officer, office teller, field teller, loan& saving office, and credit office completed breakeven point: ((Zone01: 125 clients or 273,713$; Zone02:155 clients or 251,842$; Zone03: 160 clients or 201,500$; and CB-CO: 400 clients or 130,000$) and PAR30+ less than1.5% data in Dec, 2017.)

5 Book hotel, verify related document with hotel, and do payment Daily check and observe hygiene or sanitation in and around office Work with office assitant to prepare materials such as table, chair, water, and food for meeting. Other tasks will be assigned by superior. 6. Senior Credit Risk Officer Updating credit review policy, procedure, process, record and tools with some advice from supervisor Conducting Credit review to identify credit risk to assigned clients and reporting the result to credit committee Reviewing Prakas related to credit risk (include impairment, provision, write off ) and timely make summary to supervisor Conducting annual credit risk mapping and give some recommendation to mitigate those risks Joining in credit scoring project and developing risk scoring policy, procedure, process, and tools with some guidance from supervisor Ongoing monitoring on the implementation of credit scoring policy, procedure, tools and methodologies Preparing industry, sector, product, geographical, collateral, tenor, risk rating and other concentrations with some analysis the impact to KREDIT Periodically assessing the level of understanding on credit policy, memo, and guideline Promoting risk management culture across the KREDIT Assisting in establishing, implementing and strengthening of credit risk measurement methodologie Proposing the risk appetite and tools related to credit risk Assisting relevant department in collateral price evaluation and client business profile projects Perform other task assigned by supervisors 7. Bad Debt Officer Cooperate and Coordinate loan default solving both out and in the court process. Advice and participate with Loan officer/bm/cco in loan arrear solving in the field Degree in Finance, Economics or other relevant fields Overall experience in banks or MFIs 3 years and least 2 years experiences of work in lending Good knowledge of credit analysis Willing to learn more with highly motivated and commitment Good command in English, both oral and written Proficient with Microsoft Word, Excel, and PowerPoint Willing to travel to work in the provinces (for mission) Independent judgment with strong analytical capacity and creativity. Bachelor of Business Administration in Management or Finance and Banking or in any related field. At least three year-experiences in Microfinance or banking industry or other related field

6 Track loan arrear in system and timely inform to responsible staff Participate in policy and guideline establishment and enforcement. Surprise monitoring on operational policy and manual implementation Offer guideline and reasons for avoiding loan arrear during monthly branch meeting Monitor on loan write-off collection Train and share experience to operational staff on methodology of loan default solving problem. Prepare in progress loan default solving report and monthly report to Legal unit manager. Under take other tasks as assigned by the supervisors. Good interpersonal skill, hardworking, and healthy Dynamic and pleasant personality Fluent in both written and spoken English Sound working knowledge of Computer (Ms. Word, Ms. Excel, Flexcube, ) Good commitment in field work and strong willing to work with rural people Willing to work cross province and frequently travelling Good faith in Christianity KREDIT provides competitive salary based on education, experience, and potential. We offer annual salary increment plus other benefits such as: 1. Annual incentive 7. Five working days per week 2. Bonus (13th month salary) 8. Special interest rate staff loan 3. Pchum Ben salary 9. Staff uniform hours insurance covered staff safety 10. Staff wedding package 5. Health benefits 11. Provide staff scholarship 6. Public holiday comply with Cambodia labor law How to apply Interested candidate should submit your CV, cover letter, 2 new pieces of 4x6 photo, copied ID card, family book, birth certificate, education and work certificates, and transcript to KREDIT Microfinance Institution Plc. Head Office at #71, St. 163, SangkatToul Svay Prey I, Khan Chamkarmorn, Phnom Penh or by job@kredit.com.kh (Send only CV& cover letter in word or pdf file. Don t attach docs.). Closing Date: 08-February-2018 at 12:00 PM KREDIT will be neutral, not bias, transparency, non-discrimination towards sex, religious, political affiliation, disability, color and marital status. Note:Only shortlisted candidates will be notified. The application and documents will not be returned.