I am So Kosal, a highly experienced banking professional with over 25 years of expertise in financial services across Cambodia, Laos, and Myanmar. My career spans leadership roles in retail and corporate banking, with a strong focus on cash management, bill payments, payroll services, merchant solutions, and digital banking innovation.

Throughout my career, I have successfully managed large teams, developed new financial products, and built long-term partnerships with corporate clients, SMEs, educational institutions, and government organizations. I have extensive experience in providing tailored financial solutions to support the growth of small and medium-sized enterprises (SMEs), as well as designing and implementing comprehensive banking services for large-scale businesses operating across Asia. This includes expertise in trade finance, cross-border payments, and customized treasury management solutions that help organizations optimize efficiency and achieve sustainable growth.

I bring strong skills in business development, customer relationship management, and cross-border financial operations, combined with a proven ability to drive innovation and deliver measurable results. My leadership has consistently contributed to expanding market share, improving service delivery, and strengthening customer loyalty in highly competitive environments.

I hold a Master’s Degree in Finance and Banking and a Bachelor’s Degree in Business Administration, which have strengthened my analytical, strategic, and leadership capabilities. This academic foundation, together with extensive hands-on experience, enables me to bridge theory and practice effectively in the fast-changing financial sector.

Passionate about advancing financial inclusion and delivering quality customer service, I am now seeking to contribute my expertise to leading international banks, development organizations, or NGOs where I can create value through strategic innovation, service excellence, and partnership building.