I. Job Overview

The Branch Manager is responsible for leading and managing overall branch operations to ensure effective service delivery, operational excellence, business growth, and risk control. This role carries accountability for building customer trust, maintaining service quality, ensuring compliance, and achieving the branch’s financial and operational targets. The Branch Manager oversees cashier operations, retail financing processes, customer service functions, and staff performance to ensure the branch operates efficiently and profitably.

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II. Key Responsibilities

1. Business Performance & Strategy

• Achieve overall branch performance in line with approved budgets and targets set by the Head of Department (HoD).

• Develop and implement branch action plans to achieve sales, profit, and operational goals.

• Provide market insights, feedback, and recommendations to HoD and relevant Heads of Section (HoS) to support strategic planning.

• Monitor and drive key performance indicators including sales growth, profitability, dealer development, member recruitment, card issuance, credit quality, and cost control.

• Collect and analyse market intelligence, competitor activities, and operational trends to support business growth strategies.

2. Operations Management

• Oversee daily branch operations including cashier functions, loan processing, asset management, and customer service.

• Ensure efficient cash management, including monitoring daily cash flow, reconciliation, and reporting.

• Monitor dealer settlement performance, loan disbursement processes, and assessment turnaround times to ensure stakeholder satisfaction.

• Handle operational challenges and customer complaints in a timely and professional manner.

3. Risk & Compliance

• Monitor and manage operational and business risks within the branch.

• Ensure full compliance with company policies, procedures, regulatory requirements, and internal controls.

• Promote awareness and prevention of fraud and non-compliance risks.

• Ensure proper implementation of AML/CFT policies and that staff maintain adequate knowledge and awareness.

• Oversee branch credit assessment and credit control activities.

4. People Management

• Set clear KPIs for branch staff and monitor performance to ensure continuous improvement.

• Recruit, train, develop, and retain qualified staff.

• Maintain a positive work environment that promotes teamwork, learning, and professional growth.

• Ensure staff adhere to grooming, conduct, and professional standards.

5. Administration & Representation

• Oversee branch administration and HR-related matters.

• Act as the company’s representative at the branch level when authorized, including issuing official communications to customers, dealers, and regulators.

• Prepare and submit accurate and timely reports to line management.

• Perform other duties as assigned by the line manager.

III. Job Requirements

• Bachelor’s degree in Management, Business Administration, Finance, Banking, or related field.

• Minimum 3–5 years of experience in a managerial role within banking, financial services, or retail financing.

• Strong knowledge of branch operations, KPI management, and cost control.

• Good understanding of Cambodia’s banking and financial industry.

• Strong leadership, problem-solving, and decision-making skills.

• Proactive, committed, and willing to travel across provinces as required.

• Good business planning and performance monitoring skills.

• Proficiency in English and Microsoft Office applications.

• Excellent interpersonal, communication, and analytical skills