Independent Risk Champion (02 Posts.)
Hattha Kaksekar Limite “HKL” is a leading microfinance institution, providing Credit, Savings, Local Money Transfer, ATM Service, Mobile Banking Service and other financial service, and operates with 25 provinces-cities in Kingdom of Cambodia. To respond our progress, we are looking for qualified candidates for the position as below:

23 July 2018
Position:  Independent Risk Champion  (02 Posts.)
Location : 
-    Svay Rieng Provincial Branch (01 post)  - Khan Pur Senchey Branch - Sangkat Kakab  (01 post)
Report to:  Director of OFM Department

Duties and Responsibilities:
-    Oversight the implementation of Credit Procedures, Operational Risk & Fraud Events, risk incidents, operational loss at branch level.
-    Conduct credit review on post-disbursement to make sure credit file maintain accurate/reliable/sufficient information & match to actual.
-    Involve in credit review & approval committee at branch level & have authority to comment & risk opinion & voting on loan application
-    Conduct client visit as well as business assessment & collateral assessment as per required for suspicious or abnormal loan application.
-    Sample check & review on credit file that assessed by Credit Officer & review the loan application that approved by credit.
-    Analyze trend of NPL in the operation area & find out the routs cause for reporting to Risk Management Division.
-    Perform Branch Security Self-Assessment & monitor on top risk at branch level (Operational Risk only)
-    Act as supporting champion at branch level to support branch staff on AML, CFT, FATCA, ABC agenda.
-    Perform Compliance Testing and Check to ensure the level of non-compliance is low (base on internal audit finding)
-    Perform other tasks as assigned by direct supervisor/management team.
-    Bachelor degree in Banking & Finance, Business Management or Economic or other related field.
-    At least 2 years experiences in Banking/financial institution, including some experiences in field of risk management, audit & compliance function would be an advantage.
-    Computer literacy is a must and excellent communication in English.
-    Excellent analytical & problem solving skills and willing to work with group & be able to work under pressure.
-    HKL provide the competitive salary based on knowledge, skill and experience. We offer the monthly salary plus Insurance Allowance (Health & Accidence), Annual Bonus,  Incentive, Pchum Ben Bonus, 13rd Month Salary, Uniform Allowance, Provident Fund, Annual Leave, and other benefit as stated in HKL policy.
-    Successful Candidate will be received the numerous training program and development in order to enhance his/her knowledge, skill and competency to work effectively and having opportunities to development long-term career with HKL.

How to Apply:
-    HKL Application Form is free provided. Thus, you can get it from Head Office (Phnom Penh) or all branches of Hattha Kaksekar Limited every working day or free download from our website:
-    Interested candidate, please fill the HKL application form and submit with CV, Family Book, Population ID Card, Birth Certificate, Degree Certificate and other short course certificate or letter to HKL head office (Nº606, St.271, Sangkat Phsar Deum Tkouv, Khan Chamkamorn, Phnom Penh) or any HKL branch office nearest your current address or via email

-    The submitted document will not be returned.
-    Reach us on: 093 405 000/086 354 354
                                                                                                                                                                                                                                                   Thank You
Annual Report 2016
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Achievement YTD 30 June 2018
Number of Office 178
Headquarter 1
Total Number of Staff 3,353
Male 2,306
Female 1,047
Loan Outstanding USD 660 M
Number of Active Borrower 135,345
Deposit USD 409 M
Active Customer 227,679
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