Mr. Michel KINDBEITER
Mr. Michel took charge of cmk in 2010 and transformed a stuttering, NGO-model lender into a legitimate and influential operation. With almost 40 years’ experience in financial institutions, including 33 with the influential Crédit Mutuel bank in France, Mr. Michel has completely reorganized and revamped cmk, building a brand that now stands alongside the leaders in the sector. He is meticulous, intuitive and deliberate, and has implemented standards that ensure every aspect of cmk’s operation is world class, down to the finest details.
Mr. Phossara LEANG
HEAD OF SALES & BRANCH NETWORK DEPARTMENT
Mr. Phossara is a dynamic, self-taught salesman who worked his way through the ranks at cmk to become manager of a team of 70. After taking the lead role in 2016, he now oversees the progression of our commercial strategy whilst managing the development of sales techniques across our network of branches. As Branch Network Manager, Mr. Phossara has an eye on the operations of each individual branch. After starting as a branch officer, he rose through his branch and was promoted to business development supervisor at cmk headquarters before joining the senior management team.
Mr. Yuthika HIN
HEAD OF ORGANIZATION, TRAINING & DEBT COLLECTION DEPARTMENT
Mr. Yuthika brings a lifetime of experience to cmk, with almost 40 years working in various departments of lenders from across Europe and Asia. Born in Cambodia and educated in France, Yuthika moved to Phnom Penh in 2008 to take a job as senior finance officer and auditor before being appointed head of operations at an international bank in Phnom Penh. In Paris, Mr. Yuthika had a long and distinguished career in management with several international banks.
Ms. Pombore LEK
HEAD OF CREDIT DEPARTMENT
With 10 years at cmk, Ms. Pombore is the longest-serving employee and a truly home-grown product, having started as a teller in Phnom Penh and progressed through the ranks to senior management. She knows cmk from bottom to top. Today, Ms. Pombore leads the central credit committee and, in a field dominated by men, manages a team of credit officers from cmk headquarters.
Ms. Vantheang YA
HEAD OF FINANCE DEPARTMENT
Our finance department was, literally, built around Ms. Vantheang. She joined the cmk team in 2009 as the lone finance officer, centralizing the financial operations of our network of branches. A year later, she was made Finance Manager and has since overseen the development and maintenance of our internal financial frameworks, policies and procedures. Ms. Vantheang now heads our team of finance officers at cmk headquarters. She holds a Master’s Degree in Banking and Finance.
Mr. Lyna THA
HEAD OF MARKETING DEPARTMENT
Mr. Lyna measures the pulse of Cambodia, then goes into his lab and develops strategies to generate exposure for our products. He redeveloped and relaunched our student loan program, streamlining the product and taking it fully online, and is the brains behind our most successful campaigns. He has his eyes everywhere, coordinating between departments while studying the market and our competitors. Mr. Lyna started with cmk in 2015 as a project and training assistant. Before that, he traveled around Asia as an executive secretary. He holds a Master’s Degree in Business Administration.
Mr. Bunchheang CHHUOY
HEAD OF IT DEPARTMENT
Mr. Bunchheang speaks the language of computers. His expertise in writing code and implementing IT solutions has allowed cmk to expand into a whole new era of connectivity. In 2017, we rolled out the Customer Care app, a Bunchheang creation that allows member data to be accessed in full from all of our branches and offices. His innovations enable staff across the national network to share notes and complete inter-bank transactions. Before starting with cmk in 2013, Mr. Bunchheang served in multiple IT management positions. He developed a platform to archive Cambodia’s lost films and, in 2009, went to Burkina Faso to complete a similar project.
Mr. Len MEL
HEAD OF INTERNAL AUDIT DEPARTMENT
Mr. Len gets excited by transparency, literally. With a keen eye for detail and a desire for perfection, he is the perfect candidate to review cmk’s entire operation, from departments to branches to individual transactions. He loves structure, numbers and teaching. He spends more than half of his time in cmk branches around the country, developing internal procedural policies while coaching staff in risk management. Mr. Len started as a junior auditor with cmk in 2010 and worked his way up to lead the department. Outside of work, he spent three years teaching short courses in principle accounting, management accounting and financial accounting. He holds a Master’s Degree in Financial Management.