Our Team/AMK Microfinance Institution Plc

AMK’s shareholders appoint the Board of Directors who is responsible for the overall governance and strategic guidance of the institution. The Board of Directors have broad expertise in areas such as auditing, Cambodian law, management, human resource development, microfinance, and extensive experience in commercial banking. At present, AMK’s governance consists of eight non-executive Directors in addition to the CEO, who is the management representative on the Board.

AMK Microfinance Institution Plc has formed five committees that report to the Board, and these committees are: 

Board of Directors and Advisory Committees

Chairperson of the Board Directors, Member of AFC, Member of SPC and Member of RNCG

JOHN CON-SING YUNG is currently a Managing Director of the Shanghai Commercial and Savings Bank, Ltd. He was a Board member, Senior Executive Vice President and Chief Information Officer of the Shanghai Commercial and Savings Bank, Ltd, in charge of IT, Risk, Compliance, Operation, Legal, Oversea expansion, Mainland China Business, and three Shanghai Bank cooperation until mid-2021. He also holds several key positions on behalf of the Shanghai Commercial and Savings Bank subsidiaries and affiliated companies. John started his career at Chase Manhattan Bank in Hong Kong as a management trainee, ending his time there as a manager in the Credit Card Risk Management Department. After Chase, John spent time starting up Shenzhen Concord, a JV investment company between Canadian Eastern Finance and the Shenzhen Government. For the next decade, John focused on building IT and Telecommunication businesses in the Asia Pacific Region before joining the Shanghai Commercial and Savings Bank, Ltd. He received his BA and MBA degree from the University of Chicago.

Director, Member of RNCG and Member of SPC

Chetan Tanmay is the co-founder and CEO of the Agora Group, wherein he manages the group’s investments across Asia and Africa. Tanmay’s previous experience includes microfinance ratings, consulting and operations, including as the first Chief Executive Officer (“CEO”) of AMK during 2003 to 2007. Tanmay holds an MBA from IIFM, India, and a Master’s in Public Administration from the Harvard Kennedy School.

Director and CEO

Borann appointed as Chief Executive Officer of AMK in 2012. He has been with AMK for over 15 years since 2004 in different roles. He has held various leadership posts throughout the development of the organization, including Finance Manager, Chief Financial Officer, and Deputy CEO. Before joining AMK, he worked for another MFI as the Finance Director for over four years. Borann also holds a position as director in different institutions such as the Association of Banks in Cambodia, Cambodia Microfinance Association, and Credit Bureau Cambodia. Borann holds a BBA in Finance and Accounting. He received ACCA (Association of Chartered Certified Accountants) Accreditation and accepted as an ACCA member in 2008.

Independent Director and Chairperson of RNCG

Dr. Tip Janvibol, founder and senior managing partner of Tip & Partner, brings over 20 years of legal experience to the Board of Directors of AMK. He is a licensed attorney and member of the Cambodian Bar Association. Dr. Tip effectively leads both small and large-scale transactions involving both individual and corporate clients while managing and overseeing the implementation of the law and related legal issues.
In prior years, Dr. Tip worked in both the public and private sectors as a consultant and legal adviser for private enterprises, government institutions, international agencies including International Committee for the Red Cross (ICRC), UNICEF, World Bank, and United Nations.
He holds a Doctorate Degree (PhD) from California Coast University, Master’s Degree from the University of Massachusetts, Lowell, Bachelor’s degree from University of Maine, Presque Isle, and attained numerous legal training certificates, including ones from The Hague Academy of International Law, Legal and Judicial Cooperation of JICA, and United Nations.

Independent Director, Chairperson of AFC and Member of BRC

Seida is a certified public accountant, an active member of Kampuchea Institute of Certified Public Accountants and Auditors (KICPAA), a fellow member of Association of Certified Chartered Accountants (ACCA), UK, and a certified internal auditor from USA. She also holds a Bachelor Degree in Accounting. Seida has over 19 years of experience in auditing and financial management. She is the Managing Partner of FII & Associates, responsible for the overall operations of the firm, acts as the signing partner and ensures the high quality of services provided with due professionalism. Seida had been elected and served as Vice President and President of KICPAA from 2012-2015 and 2015 -2020, respectively.
Prior to this, Seida was a financial management specialist with the World Bank for a period of 5 years and was Audit Manager with one of the big 4 auditing firms for a period of 6 years in the audit and advisory services in Cambodia and Malaysia.

Independent Director and Chairperson of SPC

Dina is Incofin East Asia Regional Director and Social Performance Manager, based in Phnom Penh Cambodia. She also sits at the BOD of the Social Performance Task Force (SPTF) and co-chairs the Social Investors Working group. Dina manages a portfolio of USD 80 million, serving more than a dozen financial service-providers across East Asia. Previous to joining Incofin, Dina lived in the Philippines, where she worked as a senior analyst for the microfinance specialized rating agency Planet Rating.
Dina also lived in China, and she was part of the team which set up MicroCred Nanchong in Sichuan. She also led capacity-building projects.

Director, Chairman of Board Asset and Liability Committee and Member of Audit and Finance Committee

I, Chen Cheng-Chung, am presently a Senior Deputy Executive Vice President of Overseas Regional Center of The Shanghai Commercial & Savings Bank, Ltd. (SCSB) in charge of the management of overseas branches and representative offices. I joined SCSB in 1990 and have served for over 30 years, I have rotated many positions, at start of carrier, I worked in several different branches for about 12 years (1990.11- 2003.2) to learn local currency, foreign exchange and trade finance business. After that, I worked as an account manager for more than 3 years, and then worked as an auditor in the audit department of the head office for 4 months, responsible for checking whether the business of each branch complied with the requirements of laws and regulations and internal control systems. Afterwards, I successively served as the manager of 3 branches for a total of 8 years (2007.1-2015.12). During my tenure as a branch manager, there was no major finding of lack of internal control. In 2016, I prepared to set up the Deposit Department and served as the Head of Deposit Department for 3 years (2016.1-2018.12). The main responsibility of this department is to manage the operation of all branches and evaluate the performance of relevant colleagues. Afterwards, I was appointed to set up SCSB’s first branch (Wuxi Branch) in China and became the first branch manager. I was also an important member of the bank participating in the APG anti-money laundering evaluation project.

Director, Chairperson of BRC, Member of AFC and Member of B.ALCO

Mr. Chien-Chih Cheng is currently a manager of risk management department of The Shanghai Commercial & Savings Bank, Ltd. in charge of credit risk scorecards. He is an expert in retail credit risk modeling, including mortgage, retail loans, credit cards. As a member and manager of credit risk modeling team, he is also familiar with modeling tasks in corporate banking. With the considerable expertise in modeling, he took up the duty to develop the IFRS9 ECL model when banks in Taiwan adopted IFRS in 2018. From then on, he calculates and monitors the loan portfolio impairments results periodically and revises the ECL model according to the economy conditions or any suggestions from internal or external experts. Mr. Chien-Chih Cheng started his career in financial sector at the E.Sun Bank as a mortgage officer, then transferred to the E.Sun Financial Holding Company to develop and maintain retail loan scorecard. For the next decade, he joined The Shanghai Commercial & Savings Bank, Ltd. and has been working in credit risk modeling, especially in retail banking, to establish the rating system and culture within the bank. Mr. Chien-Chih Cheng received his Bachelor of Information Management from The National Taiwan University and MBA degree from The National Chengchi University. He completed the Financial Risk Manager(FRM) exam in 2008.

Director, Member of BRC and Member of B.ALCO

Mr. Chien-Ling Cheng is currently a Senior Vice President of The Shanghai Commercial & Savings Bank, Ltd., dedicatedly in charge of Anti-Money laundering/countering the financing of terrorism. Mr. Chien-Ling Cheng started his career at The Shanghai Commercial & Savings Bank, Ltd. from 1990 until present. During this period, he has rotated through many different units/departments such as branch, credit management department, internal audit department, personal banking department, corporate banking department, wealth management department, compliance department. Currently, he serves as the Head of AML & CFT Center of The Shanghai Commercial & Savings Bank, Ltd. In 2018, he represented Taiwan in the 2018 APG mutual evaluation, and was highly appreciated by the chairman of the mutual evaluation team.  Besides, he is also a famous lecturer of Taiwan Academy of Banking and Finance for AML/CFT issues from 2019 until present.  Mr. Chien-Ling Cheng received his PHD degree from Institute of Business and Management of National Yang Ming Chiao Tung University (Taiwan) in 2011. Since then, he had been a part time assistant professor of Chinese Culture University (Taiwan) and Shih Hsin University(Taiwan); however, he discontinued these part-time professional activities owing to his demanding work schedule and entirely focused on his present position with The Shanghai Commercial & Savings Bank, Ltd. and as a lecturer at the Taiwan Academy of Banking and Finance.

Member of SPC

Frances Sinha’s career in development consultancy spans 30 years of hands-on engagement with financial inclusion. A graduate from Oxford University and the London School of Economics, UK, she has been based in India, where she co-founded M-CRIL as a specialist rating agency. She has been a lead consultant for the Social Performance Task Force and the MicroCredit Summit Campaign, contributing to standards for social reporting, social performance management, outcomes management, pro-poor financial inclusion, and client protection. Her work profile has also included program evaluations and impact assessments in India and throughout Asia.

Executive Team

Chief Executive Officer

Borann brings a keen insight and a wealth of experience from his over 20 years experience in leadership roles within the financial sector, including being Finance Director, Chief Financial Officer, and Deputy CEO. Having been with AMK since 2004, he was appointed as Chief Executive Officer in 2012 and has led the organization through its development since. Borann also holds a position as director in institutions such as the Association of Banks in Cambodia, Cambodia Microfinance Association, and Credit Bureau Cambodia. Borann holds a BBA in Finance and Accounting. He received ACCA (Association of Chartered Certified Accountants) Accreditation and was accepted as an ACCA member in 2008.

Chief Retail Business Officer

Pisey joined AMK in 2009 as Regional Manager and he was promoted to Head of Credit department in 2012. In 2017, he was promoted to Chief Retail Business Officer where he oversaw AMK’s retail business operation including credit operation, deposit, money transfer service, and micro-insurance business. Pisey has over fifteen years of experience in the microfinance sector with solid skills in business operations, audit, product development, and branch management. He has attended several training courses related to microfinance both local and international programs. He holds both bachelor’s and master’s degrees in business management from a local university.

Chief Information Officer

Kosal joined AMK in April 2015 as Chief Information Officer. He has more than 14 years of experience in IT career, moving from IT support level to a senior IT manager in many multinational companies. This had been a long journey where lots of challenges and changes have happened and have been adapted successfully. Kosal holds a Master’s Degree in IT Management from INNOTECH-CBAM.

Chief Financial Officer

Lucas joined AMK as Chief Financial Officer in 2020.  He has over 15 years of professional accounting experience across retail, manufacturing, professional services, government and non-government organisations.  Lucas has held senior finance roles in both Australia and Cambodia, including as Group Reporting Manager at an ASX listed company in Australia and as CFO at an international manufacturer in Cambodia. Lucas has been a member of Chartered Accountants Australia and New Zealand (CA) since 2011 and holds a Bachelor’s Degree in Business from the Queensland University of Technology.

Chief People and Development Officer

Ms. Peaing Pisak has been appointed as Chief People & Development Officer in 2023. She first joined AMK Microfinance Institution Plc as a Training Manager in 2011 and was promoted to Head of Training Department in 2012, then become the Head of the Human Resource Department in 2013. Pisak has over 20 years of experience in many different sectors, including microfinance, non-government and private sectors, responsible for leading Training and Human Resources Management. Pisak is also a member of the Board of Directors of AMK Staff Association (AMK-SA) and the Chairwoman of HR CLUB of Cambodia Microfinance Association (CMA). Pisak holds a Bachelor’s Degree in Marketing and a Master’s Degree in Management from the National University of Management (NUM). 

Chief Legal and Compliance Officer

Mr. Uk Kosal has been promoted to Chief Legal and Compliance Officer in January 2023. He joined AMK Microfinance Institution Plc as Head of Legal and Compliance in April 2018. He has over 10 years of experience in banking and financial sector. Having earned through his pervious and current works, his professional experience includes management of the Company’s legal affairs, corporate secretarial tasks, and compliance matters. Kosal holds a Master of Laws from Transnational Laws and Business University, South Korea. He is an Anti-Money Laundering Specialist certified by ACAMS and ICA.