Amret is a leading microfinance institution established in 1991 that contributes to the economic and social development of Cambodia by providing a wide range of financial services to meet the needs of the large targeted customers. Amret has a strong commitment and long-term business strategies to be a leading financial institution in the market by deploying ambitious digital strategies.
Amret belongs to the Advans international group, a major shareholder and international shareholder (FMO and IFC). The Advans group serves over 750,000 clients, and has expanded its operations in nine countries: Cambodia, Cameroon, Ivory Coast, Democratic Republic of Congo, Ghana, Myanmar, Nigeria, Pakistan, and Tunisia.
Amret has 156 branches, located in 25 cities and provinces in Cambodia, and successfully serves 400,000 customers with around 4,000 highly dedicated employees.
About the Job:
The incumbent will be responsible for identifying risks that the company is facing, boosting risk management methodologies and taking lead for enhanced risk defense.
Tasks and Responsibilities:
Lead the development of risk management tools and methodologies in order to prevent potential risks that might occur in the company.
Oversee and monitor operational risk by working with all the departments to identify risks and implement prevention measures; manage the Information Security and IT risk agenda.
Manage the Business Continuity Plan (BCP) to ensure continuity of institutional business activities in the event of unexpected events interrupting operations.
Lead analysis of credit risk (portfolio at risk, concentration, business risk exposure, etc.), and provide recommendations for approval and follow up
Identify and monitor financial risk in coordination with the treasury department.
Identify and monitor strategic risk in liaison with the executive committee and provide advice to protect the company’s interests.
Oversee the legal function and support the compliance team in their activities.
Establish loan recovery methodology and procedures and oversee the loan recovery field team in order to minimize loan losses.
Manage and direct the SME lending activity through a team of region-based credit decision-takers; ensure development of credit skills and sound risk culture of branch staff.
Communicate details of prospective risk to the executive management team, the Risk Oversight Committee (ROC) and the Board of Directors with key risk indicators and proposals of necessary action to mitigate the risk that may impact the company’s business.
Oversee 3 department heads and indirectly manage some 70 managers and professional staff; ensure staff development in term of skills and awareness of their environment.
Contribute to and share the company’s strategic decisions.
Master's Degree in Business Administration, Risk Management/Audit or any other relevant risk management certification.
Minimum 10 years of work experience in business and risk management in the Microfinance or Banking industry with minimum 7 years of work experience as a senior manager with daily involvement in the strategic decision-making process.
Excellent knowledge in all types of risk management in the financial industry.
Advanced skills in impact analysis and measurement.
Excellent critical thinking and solution-oriented.
Ability to lead staff and be able to develop their skills.