SHAREHOLDERS

---

Head of Operation

• Bachelor’s Degree in Banking and Finance from the National University of Management, and Bachelor’s Degree in Education from BELTEI International University.
• Over 10 years of experience in banking operations, branch control, and service quality.
• Career progression from Teller Premier Banking, Supervisor, Manager – User Support & Service Quality, to Senior Manager – Branch Operations and Control, demonstrating strong operational leadership and expertise.

  Head of Information Technology

• Bachelor’s Degree in Computer Science and Engineering from the Royal University of Phnom Penh.
• Over 18 years of experience in IT, banking systems, data analytics, and digital transformation within the financial sector.
• Career progression from IT Officer, Database Administrator, IT Manager, Senior Manager – Application & Platform, to Head of IT and Head of Data & Analytics, demonstrating strong technical leadership and system expertise.

Head of Digital and CEO Office

• Master’s degree in finance (2026)
• BA in English Teaching (2017)
• 5 years in International Education; 6+ years in Financial Sector
• Expertise: Credit planning, digital transformation, business management, strategic communication, and operational support.

Head of Admin and Procurement

• Bachelor’s Degree in Finance and Banking from Mekong University, with professional training in procurement, supply chain, and leadership development.
• Over 12 years of experience in procurement, demand planning, logistics, and inventory management across education and corporate sectors.
• Career progression from Procurement Executive and Purchasing Manager, to Demand Planning Manager, Procurement Manager, and currently Head of Administration & Procurement, demonstrating strong strategic planning, negotiation, and operational leadership.

Head of Credit Product

• Master of Business Administration (MBA) and Bachelor’s Degree in English Communication from Norton University , alongside a Bachelor’s Degree in Sales and Marketing from the National Institute of Business.
• Extensive leadership experience in microinsurance and banking, specializing in product development, business strategy, and multi-channel sales operations.
• Career progression from Sales Executive , Head of Life Insurance Consultant , Deputy Sales Manager , Agency Training & Recruitment Manager , Head of Agency Segment , Head of Commercial , to Head of Sales, showing consistent growth into senior executive leadership.

Head of Legal and Compliance

• Master Degree of Laws, Transnational Law and Business University in Seoul, South Korea
• Bachelor Degree of Laws, Royal University of Law and Economic, Cambodia
• Certificate of a Professional Lawyer Training, Bar Association of the Kingdom of Cambodia  
• 6 years of experience in various sectors within the legal field, including the insurance sector
• Began career as a legal consultant, then became a manager, and is currently a licensed lawyer and sub-head of legal and compliance.

Head of Internal Audit

• Bachelor’s Degree in Accounting from VANDA Institute and a Bachelor’s Degree in English from Human Resources University, with ongoing Certified Internal Auditor (CIA) studies.
• Over 14 years of professional experience in internal audit, accounting services, and risk-based compliance within the banking and fintech industries.
• Career progression from Junior Auditor, Internal Audit Team Leader, and Internal Audit Manager to Deputy Head of Internal Audit, Head of Internal Audit.

Head of Auto Loan

• Holds a Bachelor’s Degree in Law from Build Bright University and a Bachelor’s Degree in English Literature from Phnom Penh International University. 
• Over 12 years of extensive experience in the banking and financing sector, demonstrating a strong track record in regional operations, sales strategy, and portfolio management. 
• Established a distinguished career through roles such as Sale Officer, Sale Leader, and Branch Manager. He later advanced to Head of Sale (Auto Loan) and Senior Regional Manager.

Head of Credit Product

• Holds a Bachelor of Economics from the Royal University of Law and Economics, alongside a Bachelor of Education (English) from the Institute of Foreign Languages, and a Moody's Analytics certification on Commercial Loans to Business.
• Over 10 years of progressive banking experience spanning credit assessment, credit decision making, team management, and workflow management — with a strong focus on sustainable portfolio growth within sound risk management standards.
• Progressed from a frontline lending role to Deputy Head of Credit Assessment, reflecting consistent growth in both technical credit capability and leadership responsibility across retail and corporate lending.

 Deputy Head of Operation

• Bachelor’s Degree in Banking and Finance.
• Over 14 years of experience in the Microfinance sector, with professional exposure at Green, Welcome Finance, and ChokChey.
• Career progression from Customer Relation Officer, Credit Officer, Chief Credit Officer, Branch Manager, to Internal Audit Unit Manager, demonstrating strong expertise in credit operations, recovery, and risk control.

 Deputy Head of Loan Recovery 

• Master’s Degree in Business Administration (MBA).
• Over 13 years of experience in the financial sector.
• Career progression from Credit Officer (CO), Chief Credit Officer, Deputy Branch Manager (DBM), Branch Manager (BM), to Manager, demonstrating strong expertise in credit management and loan recovery operations.

Deputy Head of Operation

• Master’s Degree in Business, completed in 2019. 
• Over 10 years of experience in the financial sector.
• Career progression from Credit Officer, Chief Credit Officer, Branch Manager, to Regional Manager, demonstrating strong operational leadership and business management expertise.

Deputy Head of Portfolio Analyst

• Holding MBA in Human Resource Management (2019)
• 9 years experience in Educational Sector
• 2 years experience as a Human Resource Manager and 2 years in Credit Portfolio Analyst with Financial Sector. 

Deputy Head of Finance

• Master Degree of Finance (2017)  
• 2 years in Teaching English and as a Vice Director at General Knowledge Center
• 9 years in Financial Sectors involve on Accounting and Finance
• Starting career from an Assistant Vice President & Manager of Finance and Administration Unit 

Deputy Head of Admin

• Bachelor’s Degree in Management from the National University of Management, with professional training in HR management and administrative operations.
• Over 15 years of experience in human resources, administration, finance support, and operational management, primarily within international and non-profit organizations. 
• Career progression from Community Outreach & Admin Officer, Finance & Senior HR, demonstrating strong expertise in people management, compliance, and organizational support.

Deputy Head of Planning

• Holds a bachelor’s degree in finance& Banking (2008) & Master degree of Management (2014) 
• 14 years in Microfinance Sector
• Starting his careers from Credit Officer, Senior Financial Control, Senior Managerial Accounting and Planning Unit Manager

Deputy Head of  Internal Audit 

• Bachelor’s degree in accounting and pursuing master’s degree in Auditing
• 12 years in Microfinance and insurance sector ( Amret, Fortune life insurance, Chok Chey)
• Started career from Credit officer, Internal auditor, Senior internal auditor, Supervisor internal auditor, Internal audit unit manager.

Deputy Head of IT

• Bachelor’s Degree in Computer Science, Business Administration, and Management from the University of Puthisastra, with an Associate’s Degree in Computer Systems Networking and Administration from PNC Cambodia.
• Over 10 years of professional experience in IT, business analysis, system engineering, and insurance & financial services.
• Career progression from IT Infrastructure Consultant and Presales & System Engineer, to Business Analyst Lead, Assistant Manager – Business Analyst, and currently Deputy Head of IT Department, demonstrating strong analytical, technical, and leadership capabilities.

Deputy Head of HR

• Master’s Degree in Business Management and Bachelor’s Degree in Education, with professional certification as a Certified Training Professional (FAA, Malaysia) and extensive training in strategic HR partnering, leadership development, and LMS platform creation.  
• Over 13 years of experience in human resources, training & development, leadership enablement, and operational management, primarily within the banking, microfinance, and education sectors. 
• Career progression from Teacher & Branch Manager to Senior Training Officer, Talent Development Manager, and HR Manager / L&D Lead, demonstrating strong expertise in talent development, organizational culture change, e-learning design, performance management, and HR operations. 

Deputy Head of HR

• Bachelor’s Degree in Legal and Justice Studies from Norton University, with professional training in HR management, labor law compliance, leadership in the digital age, and SA8000 social accountability. 
• Over 8 years of progressive experience in human resources, administration, workforce planning, and operational management, primarily within the microfinance and leasing sectors.  
• Career progression from HR & Admin Officer, Senior HR Officer, and HR Supervisor to HR & Admin Manager, demonstrating strong expertise in people management, Cambodian Labor Law compliance, performance/KPI systems, payroll, and Ministry of Labor digital systems (LACMS, SICMS, FWCMS).  

Deputy Head of Marketing

• Master’s-level digital strategy expertise and Bachelor’s Degree in Arts in English (Educational Management and Teaching) from Norton University, with formal certification in Media & Graphic Design from Instinct Institute.
• Over 10 years of professional experience across digital marketing, employer branding, media production, and marketing strategy—primarily within the banking, retail, education, and digital development sectors.
• Career progression from Barista, Office Assistant, and Marketing Support to Digital Marketing Supervisor, Employer Branding Lead at ABA Bank, and Marketing Strategist at the Digital Economy and Business Committee, demonstrating deep expertise in multi-channel campaign execution, brand positioning, media production, budget optimization, and stakeholder management.

 Regional Manager

 Base at Srey Santhor

Branch Manager

Kampong Speu

Senior Branch Manager

Kampong Tralach

 Acting Branch Manager

Cheung Prey

 Branch Manager

Srey Santhor

Regional Manager

Base at Bati

Branch Manager

Bati

Branch Manager

Ta Khmau

Branch Manager

Tram Kak

Branch Manager

Thnal Totoeung