Credit & Operations Officer — Careers at DolFinn

Purpose

DolFinn is hiring junior-level Credit & Operations Officers to execute day-to-day operations and guarantee same-day turnaround on customer applications. Each Officer covers the full operations cycle rather than a single function.

Role Summary

Position	Credit & Operations Officer
Department	Operations
Reports To	Chief Executive Officer
Headcount	2
Level	Junior / Trainee
Location	Full-time, on-site (Phnom Penh)

Job Description

The role combines four functions, each performed to DolFinn's policies and standards in effect.

Customer Onboarding & KYC

Guide new customers through registration and KYC document submission in the App (National ID, Work ID, selfie, income proof).
Verify customer identity and eligibility; check submitted documents for completeness and authenticity; flag missing or inconsistent information before loan approval.
Contact customers to request additional or corrected documents — for example, the customer's main transacting account statement instead of a pass-through account.

Credit & Collections

Review loan applications and supporting documents for completeness before assessment.
Assess each application against DolFinn's credit standards, verify income, and recommend a credit decision.
Record the decision and rationale for every application. Complete assessment the same business day.
Escalate unclear or higher-risk cases per DolFinn's internal procedures.
Conduct repayment reminder and follow-up calls before, on, and after the due date, and keep accurate records of every contact.
Carry out first-line collections follow-up in line with DolFinn's fair collections standards.
Maintain a same-day case log for every case handled.

Marketing Support

Produce basic marketing content (posts, images, copy) per DolFinn's brand guidelines.
Publish on DolFinn's official channels following DolFinn's internal approval process.

Sales & Customer Service

Handle inbound and outbound sales calls; follow up assessed applicants with a right-sized offer.
Respond to customer inquiries via phone, chat, and in-app channels regarding loan products, application status, and repayment (installment schedule, early repayment).
Log every complaint, resolve or route it, and escalate unresolved disputes or repayment hardship cases directly to the CEO.
Maintain accurate records of customer interactions, document requests, and complaints.

Requirements

Diploma or Bachelor's degree in any field; Finance, Accounting, Economics, or Business preferred. Fresh graduates are welcome.
Fluent Khmer (spoken and written); working English sufficient to read App and document terms.
Comfortable with numbers: percentages, ratios, and basic loan math.
Comfortable with smartphone apps, messaging platforms, and basic spreadsheet data entry.
Strong verbal communication, patience, and a customer-first attitude.
High integrity and discretion — the role handles customer identity and financial data and makes decisions that directly affect DolFinn's default risk.
Meticulous about same-day deadlines; comfortable escalating uncertain cases rather than guessing.
No prior fintech, banking, or credit experience required; full training and evaluation will be provided before independent assessment.
Willing to work standard DolFinn office hours (8:00 a.m. – 5:00 p.m., six days per week), with responsiveness during customer peak periods.

Employment Terms

Contract: Fixed Duration Contract (FDC), initial term of six (6) months.
Probation: three (3) months.