Mr. Pheng Vanna serves as the Credit Manager at C.K.L.S Finance Plc, where he has been driving credit operations, risk assessment, portfolio monitoring, and team leadership since 2018. Holding a Bachelor’s Degree in Business Administration from the National University of Management, he has further strengthened his professional expertise through short-course certifications in Credit Management, Credit Risk Management, and Leadership & Management. Specializing in credit appraisal, Non-Performing Loan (NPL) mitigation, staff development, and customer relationship management with fluency in Khmer and intermediate proficiency in English, he is guided by his core philosophy that \\\\\\\"responsible and transparent lending is the cornerstone of client success and institutional sustainability.\\\\\\\" He remains dedicated to maintaining high portfolio quality and ensuring regulatory compliance, and can be reached via phone at 096 301 2182 or email at vannanget67@gmail.com.

Mr. Bai Soneang is a highly driven professional with a comprehensive background in the financial sector, currently serving as a Human Resources Manager. With a solid foundation in data processing from his tenure at Aeon Specialized Bank and extensive experience in technical education at Master International School and Computer Vocational Training Organization, he has transitioned into a strategic leadership role focused on human capital and organizational excellence. His career is built on a steadfast commitment to accuracy, integrity, and the continuous pursuit of specialized knowledge in financial management and regulatory compliance. Throughout his professional journey, Mr. Soneang has prioritized high-level training to navigate the complexities of the financial industry. He holds specialized certifications in Corporate Governance, Operational Risk Management, and Internal Audit and Internal Control Systems, which enable him to implement HR strategies that are not only effective but also rigorously compliant with institutional standards. Furthermore, he possesses deep technical expertise in Credit Risk Management, Managing Micro Credit, and Practical Regulatory Compliance for Financial Institutions, ensuring a comprehensive 360-degree understanding of the financial landscape. His strategic approach to management is further reinforced by advanced training in Human Resource Management and Compliance in Practice (Management Level) and Institutional Capacity Development for Executives. He is uniquely qualified at the intersection of finance and administration, holding certifications in Practical Accounting by CIFRS for SMEs, Practical Taxation, and Financial Report Analysis. These skills allow him to align human resource initiatives seamlessly with the financial health and legal frameworks of the organization. Complementing his managerial expertise is a robust technical skill set. Mr. Soneang is highly proficient in Advanced Microsoft Excel, Advanced Microsoft Word, PowerPoint, and Adobe Photoshop. This rare combination of advanced IT literacy and financial leadership allows him to optimize organizational workflows, enhance data-driven decision-making, and lead teams effectively. He is dedicated to fostering a compliant, productive, and growth-oriented environment within the financial institutions he serves. Mr. Soneang holds a Bachelor’s Degree in Public Administration from Preah Sihamoniraja Buddhist University, Cambodia, completed in 2023.