www.kredit.com.kh

CHAN MACH, CEO

MACH, the first local CEO of KREDIT, was promoted from his Operations Manager position in 2006. With a Bachelor of Mathematics and experience as a math teacher, Mach joined KREDIT initially in 1999 as the Auditor and Trainer. His managerial potential was recognized and he became the Phnom Penh Branch Manager in 2001. The branch flourished and in 2003 he was appointed the Operations Director. Under his leadership, KREDIT became sustainable and tripled the portfolio. Mach completed 2 Master Degree: MBA and MFB. He attended nationally and internationally numerous courses related microfinance and banking.


Mr.vibolhim

HIM VIBOL, CFO

Born in 1980, VIBOL was an outstanding university student, obtaining both his BBA and MBA degrees. In mid-2002, he obtained his Bachelor's Degree in Economics with a specialization in Enterprise Management. Then, in December 2005, he graduated from his MBA program with a specialization in Finance and Accounting. He was also awarded the Advanced Diploma in Accounting and Business from ACCA, United Kingdom. He attended nationally and internationally numerous courses related microfinance and banking. He is currently pursuing the ACCA Program from United Kingdom. He joined KREDIT as an Internal Auditor in January 2003 and was quickly promoted to an Accountant in the Finance Department. Shortly thereafter, he was promoted to Finance Officer, responsible for managing the Finance Department. In January 2006, his substantial achievements were recognized, as he was appointed to Finance Manager. Vibol was promoted as CFO in Sept 2010.


Mr.Engchhay

SOUNG ENGCHHAY, CAO

ENGCHHAY joined KREDIT in 1996 through the Kampong Cham branch. He has advanced quickly as a result of his hard work. He initially worked as the Translator, followed by the Branch Bookkeeper, the Deputy Branch Manager, Branch Manager, Deputy General Manager, Head of Internal Audit Department, COO, and he was named to CAO. He obtained a Bachelor's Degree in Business Administration, specializing in Management, Master's Degree in Management and is pursuing a Master's Degree in Finance and Banking. He attended nationally and internationally numerous courses related microfinance and banking.


Mr.Tilen

KHENG TILEN, CBO

TILEN joined KREDIT in 2014. He have experienced in banking and microfinance sectors since 2005 in Marketing, Product and Business Development, and Branch Management and Support at ACLEDA Bank Plc. and AEON Microfinance (Cambodia) Co.,Ltd, which are mostly involved in research and development, competition, sale, customer relation and care, branding, E-banking service, customer service, project management, operation compliance, product development, and other management decisions. He has advanced quickly as a result of his hard work. He initially worked as the Marketing Officer, followed by the Research and Development Manager, Account Relationship Manager, Assistant Senior Vice President of Marketing Division, Business Development Manager, and Branch Management and Support Manager. He obtained a Bachelor's Degree of Business Administration, a Bachelor's Degree of Art, English for International Business and a Master's Degree in Management at Thailand's Burapha University. Recently, he is pursuing ACCA program from UK. He attended nationally and internationally numerous courses related microfinance and banking.


Mr.Hout

HUY BUNHUOT, Head of Human Resources Department

BUNHOUT, born in 1975 was a scholarship student from law school. He holds two Bachelors Degrees from two different universities. In late 1999, he graduated his first scholarship Bachelor's Degree from the Royal University of Law and Economics with a specialization in Law. Then, in August 2006, he graduated from his second sponsored degree, a Bachelor of Education from Royal University of Phnom Penh. He attended nationally and internationally numerous courses related microfinance and banking. He joined KREDIT in 2000 as Administrative Assistant and in October 2003, he was promoted to an Administrator. After that, he was promoted to HR Officer/Administrator. In Oct 2006, his substantial achievements were recognized, as he was appointed Head of Human Resources Department.


HEANG KIM, Head of Marketing Department

Kim has fully devoted his working life within microfinance industry since 2002 ranging from management of marketing and research, customer relationship management (CRM), and donor relation. He set up and has leaded Marketing Department at KREDIT since 2008 supervising 4 sections: research, customer service and field promotion, branding and communication, and social performance and donor relation. Kim is now holding a BBA in marketing and an MBA in management; additionally, he attended nationally and internationally numerous courses related microfinance and banking.


SOK KIMCHHAY, Head of IT Department

Kimchhay is currently Head Of IT, focusing on supporting the critical technology services mission in the organization. He oversees the organization security, data center, network infrastructure, core banking, E-Banking Service, and application development as well as successfully  technology utilization by leveraging the centralized system to automate the process and reduce the paperwork for cost efficiency.

He hold MSIT from Norton University and Bachelor of Computer Science from Royal University of Phnom Penh. Besides this, he also obtained other training and skills certificates from both national and international related to microfinance, banking, security, and compliance.

He received ASEAN CIO AWARDS as one of the most outstanding Chief Information Officer 2015 from IDG.


Mr.hom

HAY VANHOM, Head of Treasury Department

Vanhom was born in 1978. He joint KREDIT since 2002. He obtained a Bachelor's degree in Accounting and Finance, and master's degree in Auditing. He attended nationally and internationally numerous course related to microfinance and banking. He initially worked as Book Keeper, Accountant, Internal Auditor, Accounting Manager, Deputy Finance Manager, Head of Finance Department and later on he was promoted to be Head of Treasury Department.


Mr.vannara

ROM VANARA, Head of Credit and Branch Supervision Department

Vanara was born in 1980. He obtained High Diploma of Accounting Finance in 2000, and then in 2005, he graduated bachelor degree of English Literature. In 2010, he graduated Master Degree of Finance and Banking. He also attended nationally and internationally numerous courses related to microfinance and banking. He joint KREDIT in March 2001 as a Credit Officer, then was promoted to Assistant Branch Manager, later on he was promoted to become Branch Manager. In November 2010, Vanara was promoted to Deputy Operations Manager and then in January 2012, because of his substantial achievements were recognized, he was appointed to be Head of Operation Department. By the beginning of January 2017, KREDIT was restructured the department function to fit with Banking structure and with the new structure, Vanara was promoted to be Head of Credit and Branch Supervision Department.


EAR NHAR, Head of Administration Department

Nhar was born in 1970 in Kampong Thom province. He graduated a Bachelor of Business Administration majoring in Accounting from Institute of Technology and Management (ITM) in 2006, and a Master of Business Administration in Finance from National University of Management (NUM) in 2010.

Nhar was an administrative supervisor for a Human Rigths Organization for over 10 years. This position required him to perform different tasks daily. To be efficient and effective, he has attended numbers of trainings and workshops. Nhar has started workig for KREDIT since 2009 starting as Administration Unit Manager and later on because of his talents and commitment; he was promoted as a Head of Administration Department in 2013.


Ms.Theara

SOK CHANTHEARA, Head of Finance Department

Theara joined KREDIT as Head of Finance in 2015. She obtained two Bachelor Degrees in Accounting and English Teaching in year 2006 from RULE and IFL respectively. In June 2013, she successfully completed ACCA program from United Kingdom and continued to get ACCA membership in the same year. Theara has collected extensive experiences as an external auditor from Price WaterhouseCoopers (PWC). She was in- charge of difference types of clients, including financial services, corporate, garment factor, and local & international NGOs.


Mr.Ratana

KIM RATANA, Head of Product Development Department

RATANA was born in 1981 in Kampong Cham Province and a scholarship student from Royal University of Law and Economics. He obtained High Diploma of English from Banana Center, an affiliation of Norton University in 2005. He graduated his scholarship Bachelor's Degree from the Royal University of Law and Economics in Economic Science specialized in Banking and Finance in 2005 and Master of Business Administration from Norton University in 2010. He attended the numerous courses related leadership, microfinance, and banking.
He joined KREDIT MFI in Dec 2005 and passed many different position, including credit officer, field coordinator of Vulnerable Service Unit, Sub Branch Manager, Assistant to Branch Manager, and Branch Manager. In Dec 2012, he was promoted to a Deputy of Operations Department and in August 2014, he was promoted to a Deputy of Product Development Department, lastly promoted to a Head of Product Development Department.


Mr.Veasna

YOS VEASNA, Head of Training and Capacity Building Department

Veasna has more than 11-year professional experiences in Microfinance. He obtained a Bachelor's degree of Finance and Banking at Norton University, a Master's degree of Finance Management at Royal University of Law and Economics. He has also attended numerous courses related to Microfinance and Banking operation, Auditing, Training and Facilitation skill in Cambodia and Overseas.

Job at KREDIT is the first job for Veasna, starting in 2004 as an auditor for 3 years and then was promoted to Vulnerable Service Unit Project Manager. In 2008, he was promoted to a senior trainer and to Training Unit Manager in HR Department in 2009. In 2014, Veasna was promoted as Deputy Head of Training and Capacity Building Department. Currently, he is holding the position of Head of Training and Capacity Building Department.


Mr.Veasna

TUN VIBOL, Head of Sales and Customer Service Department

Vibol was born in 1964 in Kampong Chan province. He obtained a Master’s Degree in Business Administration (MBA) from Build Bright University. He used to work for Action Against Hunger (AAH) in Water and Sanitation program starting as an assistant to program Manager and then as WATSAN (Water and Sanitation) Manager. Vibol has started working for KREDIT since 2003 as Branch Manager in Siem Reap province. In July 2016, Vibol was promoted to be Head of Sales and Customer Service Department.


Mr.Leng

VORN LENG, Head of Retails Banking Department

Leng has experienced in commercial banking sector since 2009 in various fields, including E-Banking, Information Technology, Business Process Improvement, and Project Management at ANZ Royal Bank. He initially worked as Regional E-Banking Support Officer, System Engineer, Senior Technology Project Delivery Officer, and Business Transformation Analyst to support and uplift bank operations. Leng joined KREDIT in 2015 as the Deputy Head of Electronic Banking Service (EBS) Department and in 2016, he was promoted to Head of Electronic Banking Service (EBS) Department. Early 2017, he was promoted to Head of Retail Banking Department. Leng obtained a Bachelor's Degree of Management Information System at National University of Management. Leng has also attended nationally and internationally numerous courses related banking.


Mr.Hong Ry

CHIV SAMRIT, Head of Internal Audit Department

Samrit has earned experiences in Microfinance Sector for more than 11 years in auditing. He holds two Bachelor’s Degrees: one in Accounting & Finance and another one in Physic in the same year, 2002 from National Institute of Management and Royal University of Phnom Penh. Samrit obtained Master Degree of Management from Norton University in 2012. Samrit has also attended nationally and internationally numerous courses related Microfinance, Banking, and Leaderships skills.


Mr.Hong Ry

HONG RY, Head of Risk and Compliance Department

Ry obtained the BBA in accounting in 2004 at Institute of Technology and Management and MBA at Norton University in 2011. He has attended Risk Management Excellence in Luxembourg and Risk Management Framework in Thailand. He also participated various training courses in Cambodia on Risk Management, Auditing, and Compliance. He has joined with KREDIT since 2006 to present. Initially he started with the position of Internal Auditor and then Senior Internal Auditor. In 2011, he was promoted to Risk and Compliance Unit Manger and he becomes Head of Risk and Compliance Department in 2017. Also, he used to be an accountant for 3 year with two different companies.