CREDIT BUREAU CAMBODIA (CBC) - Key Persons
Job Titles:
- Independent Director
- Member of the Board of Directors
H.E. SOK Siphanna is a practicing attorney and the Principal at SokSiphana & Associates, a law and consulting firm in Phnom Penh specializing in international trade and corporate law.
H.E. SOK Siphanna has had unique experiences and developed insights related to the development of the Cambodian legal system, the business environment and the intricacies of commercial and investment law evolution in Cambodia over the course of a long career. As a former Commerce Secretary of State (Vice Minister) in the Cambodian Government, he worked extensively on issues related to commercial and investment legal framework, trade promotion, trade policies, trade development and economic integration, which gave him a unique perspective on both the macro and micro needs of businesses and foreign investors. In the area of policy formulation, he was responsible for leading a large, multidisciplinary interagency task force to prepare complex action plans (including the National Legislative and Regulatory Agenda) and successfully negotiated Cambodia's accession to the WTO. He was also instrumental in initiating the development of the very first trade "Sector Wide Approach" (SWAp) in Cambodia.
He received his Juris Doctorate from the Widener School of Law in Delaware, United States and his Doctorate of Philosophy from Bond School of Law in Queensland, Australia.
Job Titles:
- Chairman of the Board of Directors
H.E. Serey CHEA is an Assistant Governor at National Bank of Cambodia (NBC). Since Cambodia is a highly dollarized economy, she as a central banker is a vocal proponent for greater use of the local currency to promote the country's greater independence on economic and monetary policy. Under her guidance, innovative policy instruments were introduced to develop the interbank markets and promote the use of local currency. She is also a member of different policy-driven committees within the bank and on a national level. As a chairwoman of Clearing House Operation Committee, she has been leading the Bakong Project, an acclaimed initiative of the NBC in exploring and introducing a new generation of payment system using Blockchain technology.
Serey serves as an International Council Member of the Global FinTech Institute and member of the Southeast Asia Advisory Council of Women World Banking. She is a member of Young Global Leaders, Class of 2019, of World Economic Forum (WEF). Also, she is a member of the WEF's Digital Currency Governance Consortium and the Advisory Committee of the Digital Payments for Trade and Commerce project.
H.E. Serey was a senior fellow of Lee Kuan Yew School of Public Policy and is currently pursuing her PhD degree with the University of Adelaide (Australia).
Job Titles:
- Member of the Board of Directors
- International Council Member of the Global FinTech Institute
Job Titles:
- Assistant
- Member of the Board of Directors
Job Titles:
- Member of the Board of Directors
Mr. Shahid CHARANIA is the Managing Director for Emerging Markets of Equifax Inc., appointed in July 2008. He leads the company's efforts to expand emerging markets, which includes international markets in Russia, China, India, Indonesia, Turkey and beyond. He is responsible for creating a strategic direction for business expansion, building and maintaining relationships within these markets and operating Equifax's businesses in these countries.
Mr. CHARANIA Shahid has more than 25 years of experience in operations, outsourcing and business development, where he held various positions in several companies and oversaw various territories. He has held board-level positions in several companies and territories, including companies like Fidelity, E-funds, Equifax Russia and Fortune BPO. Prior to Equifax, he held an executive-level position in Fidelity's National Information Services.
Mr. CHARANIA Shahid holds a Bachelor of Science in Computer Information Systems.
Job Titles:
- Head of Risk and Compliance
Risk and Compliance Department plays a key role by taking care of the compliance matters and identifying direct and indirect potential risks. Given his vast practical experience within CBC, Mr. CHREK Sothea, a senior executive with 11 years of experience in banking and data administration, was moved from Operations to Risk and Compliance Department. During his mandate in the Operations, he took care of and facilitated the operational flows and processes with the then-members during CBC's early stages. He started with the CBC as a Business Development Executive responsible for engaging the then-banking and microfinance institutions joining CBC, as well facilitating the company's registration and incorporation process. He has been with CBC since its inception and has played a major part in its formation.
Prior to CBC, Mr. CHREK Sothea was with the Association of Banks in Cambodia (ABC) for six years. His contribution to the Association led to a remarkable improvement in the relationship among members. During his tenure, Sothea also served the administrative role for five different working committees comprising the Payment Committee, SWIFT Committee, PSWG (Private Sector Working Group) Committee, Organizing Committee, and most crucially, the Credit Bureau Working Committee.
He graduated with bachelor's degree of Economics and Finance from Norton University, Phnom Penh, and continued for master's degree of General Management from Build Bright University, Phnom Penh.
Job Titles:
- Member of the Board of Directors
- Senior Executive
Mr. KEA Borann is a senior executive with extensive experience in microfinance leadership. He is currently the Chief Executive Officer at AMK Microfinance, a leading institution with the largest customer bases in Cambodia.
Mr. KEA Borann has been with AMK for more than a decade, serving in various positions since 2004 and holding numerous leadership roles throughout his time, including Finance Manager, CFO and Deputy CEO. Prior to AMK, he was a Finance Director for World Relief Cambodia /CREDIT (a microcredit program).
Mr. KEA Borann holds a BBA in Finance and Accounting and ACCA (Association of Chartered Certified Accountants) accreditation. He has been an ACCA member since 2008.
Job Titles:
- Head of Operations
- CBC As Deputy Head of Operations
The Operations Department plays a major role in the company as it takes care of the portfolios of the company's members. It is led by Mr. KHOM Chandara with more than 12 years of professional experience in finance and banking.
Mr. KHOM Chandara joined the CBC as Deputy Head Of Operations in January 2019. Prior to joining CBC, he was Chief of R&D, Deputy Head of Planning & Strategy, and Deputy Head of Operations with both microfinance and bank in Cambodia, where he was in charge of market research and product development, market intelligence, branch network distribution, operational branch support, credit management, and staff training and marketing activities.
Mr. KHOM Chandara graduated with a Bachelor's degree in Economic Development and Master's degree in General Management from the Royal University of Law and Economics (RULE).
Job Titles:
- Business Analytics Leader
- Chief Executive Officer
Mr. OEUR Sothearoath is a seasoned Business Analytics leader with more than 15 years' experience in financial sector, research and development. He is currently serving as the Chief Executive Officer of the company. Prior to assuming this role in 2017, he led the Business Development team at CBC for four years. He has led the company through Digitalization and Analytics transformation enabling the company to launch the 2nd generation of credit score (K-Score), Cambodia's first mobile app for Integrated Financial Health Check and manage robust technological infrastructure to consistently serve 167+ financial institutions in the country.
Between 2009 and 2013, he served as the Chief of Research and Product Development unit at one of the leading Microfinance Institutions in Cambodia. During this term, he played an instrumental role in creating a dedicated Research and Development team and expanding the market base of the bank by establishing more than 50 new branches. In the past, Mr. Sothearoath also held significant achievements during his tenure with the International Water Management Institute (IWMI) and CARE International in Cambodia.
Mr. Sothearoath received his Bachelor's degree in Agricultural Economics from the Royal University of Agriculture and an MBA from Norton University. He is also a Tokyo Development Learning Center and Asian Development Bank Certified Microfinance Trainer.
The Information Technology Department is the core department responsible for Technology, given the rapid changes in the industry. It is led by Mr. ORN Peakly, an IT professional with numerous certifications and an all embracing experience of 14 years in the banking sector. He is an extremely passionate Strategic IT Leader and has demonstrated acumen for driving complex transformational technology programs within Cambodian banking institutions. He has been working in several prestigious organizations on reputable designations.
Mr. ORN Peakly also leads the strategic direction of the IT department through the deployment of information systems plans and spearheads all IT and network system deployment.
He obtained his Bachelor's degree in Computer Science from the Royal University of Phnom Penh and his Master's degree in Computer Science from the Royal Academy of Cambodia. He has received a number of certifications from MIT, Harvard, Berkeley School of Information on Blockchain Technologies: Business Innovation and Application, FinTech, Data Science Essentials, AWS DevOps Engineer, AWS Administrator, AWS Architect Professional, Azure Administrator and Azure DevOps Engineer.
Job Titles:
- Deputy Head of Consumer Service
The Consumer Service Department has 3 functions: Human Resources, Administration and Procurement, and Consumer Service, with an aim of serving either internal or external customers to check their credit report via Mobile App, agents, and CBC office. It is led by Mr. PHAY Sophal with more than 11 years of experience in Banking and Finance, Fintech, and NGOs. He He joined CBC as Product Manager in 2016 and subsequently moved to the role of Marketing Manager responsible for building brand awareness, engaging stakeholders, and managing all means of public communication. He was promoted to be a Deputy Head of Consumer Service in 2020.
Prior to CBC, Mr. PHAY Sophal used to work in various fields including Research and Development, Product Development, Product Marketing, Marketing, and Human Resource. He He started his career with Population Service International (PSI) as an Interpersonal Communicator before working at one of the prestigious Microfinance Institutions in Cambodia. Then, he joined Wing Cambodia Specialized Bank as Research and Product Development Officer and later promoted to be a Senior Product Marketing Officer responsible for developing product strategies and go-to-marketing.
He obtained his Master's Degree in Entrepreneurship and Project Management, a dual degree program between the Royal University of Law and Economics (RULE) and the University of Lumière Lyon 2 in France. He also graduated with a Bachelor's Degree in Enterprise Management from RULE and and Bachelor of Arts from the Institute of Foreign Languages (IFL).
Job Titles:
- Head of Research and Development
Mr. Prashanta PRADHAN joined CBC in January 2020 and serves as the Head of Research and Development Department. R&D Department is responsible for driving the product roadmap of the company, managing policy and industry research initiatives as well as leading marketing and communications functions.
Prior to CBC, he worked as Private Sector Development Consultant with UNDP Cambodia where he advised the government partner on developing data analytics systems and capabilities for effective governance and regulation of the private sector. Mr. Prashanta PRADHAN moved to Cambodia in 2016 as a Trade Policy Consultant for GIZ (German federal enterprise for international development) where he supported governments and businesses in Cambodia, Laos, Myanmar and Vietnam on integrating into the ASEAN Single Market. Before this, he worked as Consultant in the Asia-Pacific Public Sector Team of Frost & Sullivan, a growth strategy consulting firm in Malaysia.
Mr. Prashanta PRADHAN received a Master's degree in Public Policy from the Lee Kuan Yew School of Public Policy, National University of Singapore. Additionally, he holds an MBA from India and Bachelor's in Information System from Nepal.
Job Titles:
- Member of the Board of Directors
- Managing Director for Emerging Markets of Equifax Inc
Job Titles:
- Member of the Board of Directors
- Senior Vice President
Mr. SOENG Phorn is a Senior Vice President and a Head of Credit Division as well as a Chairman of the Management Credit Committee of ACLEDA Bank Plc. In ACLEDA Bank Lao Ltd, he is a Member of Board Risk Management Committee and Board Audit Committee. He is also a Trainer at the ACLEDA Institute of Business.
Mr. SOENG Phorn has been with ACLEDA Bank Plc for more than 22 years since 1998, with the various leadership roles, audit credit, and trade finance such as an Assistant Vice President and a Manager of Internal Auditor, a Team Leader, a Credit Department Manager, a Deputy Head of Credit and Trade Finance Services Division, a Deputy Head of Credit Division and a Credit Consultant in Cambodia, Myanmar and Lao PDR.
He received BBA in Accounting and MBA in Business Management.
Job Titles:
- Member of the Board of Directors
- Executive Director of Credit Bureau Singapore
Mr. William LIM is the Executive Director of Credit Bureau Singapore. He was part of the team that established CBS, and has been managing CBS since it commenced operations in 2002. He has led the initiative to establish ASEAN credit bureaus and has obtained licenses and approval to operate credit bureaus in Singapore, Malaysia, Cambodia, Myanmar and Indonesia.
Mr. William LIM sits on the board of Credit Bureau Singapore, Dun & Bradstreet Singapore, Dun & Bradstreet Malaysia, Infocredit Holdings, Credit Bureau Cambodia and Credit Bureau Myanmar. He also serves on the advisory board of the Financial Planning Association of Singapore.
A lawyer by training, Mr. William LIM graduated from the National University Law School and commenced his career with the Singapore Legal Service in the judiciary, where he served as a Deputy Registrar, Magistrate and District Judge before leaving for private practice. His areas of legal practice included litigation, corporate law, property law and criminal law. He left practice in 1999 to join the company.
Job Titles:
- Finance
- Finance Manager
- Finance Manager / Finance Department
Ms. KEAR Soavarin is a finance professional with various certificates and experiences spanning around 9 years in micro finance and trading sector. She is a leader in providing the direction for finance department.
She obtained a Bachelor's degree in accounting from Vanda Institute and is a certified Tax agent from General Department of Taxation. She has also attended other courses related to accounting and financial management.
The Internal Audit Department, which reviews the company's faulty parts and loopholes that need sealing, is led by Ms. LIANG Solida, who has been with CBC as an Internal Audit Manager since October 2017. Prior to joining CBC, she was an Audit Manager at Covenant Ltd, a licensed regional accounting firm with the Kampuchea Institute of Certified Public Accountants and Auditors in Phnom Penh, and a former employee at EY and Canadia Bank.
She holds an advanced diploma in Accounting and Business from The Association of Chartered Certified Accountants, a Bachelor's degree in Accounting from the Royal University of Law and Economics, and a diploma in Cambodian Business Law and Cambodian Tax from the CamEd Business School.
The Data Analytic Department handles analytical solutions and data massaging. It is led by Ms. PON Pangavattey, who has more than 11 years of experience in data management roles that include data analytics and verification, quality control and report design.
She began her career at CBC as a Data Analyst in December 2013 and has been involved in various key projects, such as developing online data analytic reports and creating portfolio review solutions to enable members to review a client's entire portfolio, up-to-date solutions and reports. Prior to CBC, she worked for international NGO, the Mines Advisory Group, as an Information Coordinator responsible for database management through data entry, data verification, data quality and reporting. In addition, she was involved in developing matching map by utilizing analytical GIS and SPSS tools for implementing analyses and consensus surveys.
Ms. PON Pangavattey graduated from the Royal University of Phnom Penh with a Master's degree in Computer Science and Engineering.
Job Titles:
- Head of Business Development
The Business Development Department drives the company values by promoting sales and products that best serve the market. The department is led by Ms. SISOWATH Reaksmey, who joined CBC in January 2018 as the Head of Business Development responsible for the growth and profitability of the Value Added Services. She leads and develops the Relationship Team, which actively works with clients and prospective clients for the company.
Prior to CBC, Ms. SISOWATH Reaksmey was with J Trust Royal Bank, former name of ANZ Royal Bank. She has spent more than 11 years in the banking and finance industry in various roles and departments, including Credit Assessment in Business Financial Service, Relationship Manager in Commercial Banking, Credit Mediator between Business and Risk, Product & Business Development Manager in Retail Banking, and Business Executive Manager in the CEO's Office. She also had spent her first career with Nestle (Cambodia) Co., Ltd. in the company's Finance & Control Department.
Ms. SISOWATH Reaksmey holds a Bachelor's degree in Finance and Accounting from the National Institute of Management Cambodia, and a Bachelor of English from Norton University Phnom Penh. She pursued her MBA in Finance at Charles Sturt University.