Chief Executive Officer
Dinn was appointed as the chief executive officer in January 2019. His career at Amret started in 1996 as supervisor of provincial office.
He transferred to the Product Development Unit two years later and progressed through the company to become operations manager in 1999 and then chief operations officer from 2008 to 2011.
Dinn was appointed as deputy chief executive officer in February 2011 before being appointed as CEO. Dinn holds an MBA from the Utara University of Malaysia, and a bachelor’s degree from the Royal University of Agriculture, Cambodia.
Chief Sales Officer
Youhay transferred to his current post in June 2015.
He has been at Amret for 17 years, working his way up through the company from his first job as assistant Supervisor, Kandal Provincial Office, to Supervisor, Kampot Provincial Office in 2001, and then to Head of Operations in 2010.
Youhay holds an MA in Economic Science from Donetsk State University, Ukraine.
Executive Director
Estelle was appointed to the Board in August 2017, and joined Amret as Executive Director in January 2018. She was previously the Deputy Chief Operations Officer for the Advans Group where she headed Financial Services and Rural Outreach.
Estelle started her career in rural development and microfinance in 2003 as field officer for a downscaling program in Romania, before joining Advans International, formerly Horus Development Finance, as a senior consultant in 2004.
Between various assignments for Advans, she was Chief Operations Office for Advans Ghana Savings and Loans, and then in 2013 took up the role of Deputy Chief Executive Officer for Advans Bank Tanzania (now Letshego Bank [T]).
Estelle holds a Master in Agricultural Engineering, specializing inagricultural economics, from the Institut National Agronomique Paris-Grignon, France.
Chief Human Resources Officer
Sopha was appointed Chief Human Resources Officer in September 2016. During her service of 21 years, she advanced from Provincial Supervisor to Chief Accountant and then to Head of Finance, before changing career direction in 2012 to head the Human Resources Department.
Sopha is passionate about empowering people to realize their potential and achieve their goals, and has been actively involved in developing and implementing Amret’s Learning and Development Strategy.
She holds an MBA from Charles Sturt University, Australia, and a BA in Entrepreneurship from the Faculty of Economics and Science, Phnom Penh.
Chief Information Officer
Sajjad joined Amret in 2019. He has over 20 years of experience in digital and business transformations and global shared services with focus on innovation, growth, productivity and governance. He has extensive international experience - leading diverse organizations in the UK,USA, China, India, Mexico and Europe.
Sajjad spent 17 years with GE Capital in various digital leadership roles delivering digital transformation programs, regulatory and audit solutions, ERP & BI solutions, managing global shared services organizations and delivering quality(Lean Six Sigma) programs.
More recently, as an Digital Executive Consultant, he delivered multiple digital transformation and business growth programs at numerous UK based organizations. He also served as a Non-Executive Director for a number of public and private organizations. He is passionate about innovation,digital transformation and business growth. He holds a BSc in Business and Management, MSc in Computer Science, Executive MBA and is in the process of completing a doctorate in IT Governance, Risk and Compliance.
Chief Commercial Officer
Alan joined Amret in 2020,bringing with him 25 years of retail banking experience.
He began his banking career with Citibank Malaysia, where he worked for 11 years before embarking on a journey with various financial institutions in both Malaysia and China. Alan has extensive marketing and product experience with credit cards, mortgages, personal loans, wealth management, deposits, customer loyalty programs and structured investments, as well as sales management.
Alan worked for UOB China as their Consumer Banking Head and was a member of the pioneering team that proved instrumental in procuring the bank’s remembi operating license in China.
He is also well versed in Islamic retail banking, having worked extensively with Al Rajhi Bank Malaysia where he served as their Retail Banking Director.
Prior to Amret, he was involved in fintech and unsecured micro financing projects in Malaysia as a project consultant.
Alan holds a BSc in Finance and Marketing from Southeast Missouri State University and a MSc in Business Administration from Washington University St. Louis.
Board of Directors 
Audit Committee 
Management Team 
Chairman’s Message