Work across and partner with the HODs to develop and implement effective HR related policies and practices that will support the strategic growth of the Bank. Be able to partner and educate the employees on Performance Management, Employee Development Goals and KPIs in line with the Bank’s strategy and goals. Support the Management, HODs and the People Manager on HR-related issues in line with labour and statutory laws as well as the Bank’s policies and guidelines. Be able to support in the continuous development of HR initiatives and programs like recruitment, retention, coms & bens, and Learning & Development, etc. Be a champion for and accelerate Bank’s Values and Culture in which the employees across the Bank feel engaged, inspired and involved to deliver top business results. To support to the Functional Leaders and to add value to overall business objectives, providing HR solutions, resolving personnel grievances, retaining a talented workforce, and ensuring compliance with regulations.
Responsible for ensuring that branches and relevant business units comply with credit risk policies and standard operating procedures, as well as ensuring compliance with credit-related regulatory directives and internal instructions. Additionally, the section is responsible for ensuring complete filing of lending documents and the completeness of security packages stored in branches. Therefore, this role requires a proficient professional with strong knowledge in developing and implementing best practices in credit risk management, lending documentation, collateral, and title deed documentation, especially in credit risk monitoring techniques and credit risk governance. The position requires skill sets in checking credit files at branches and facilitating continuous improvement initiatives to enhance the effectiveness of credit risk management practices and compliance in documentation and securing collateral. To conduct quality control checks on branches and identify areas exposed to credit risk, e.g. to sample branches and plan quality control checks based on observations of delinquency trends in branch performance from the Core Banking System (CBS). To develop checklist which area to be focused according to the identified areas for improvement. To ensure timely verification of signed documentation compliance, including complete signatures on new and renewal lending documents. Additionally, to ensure loan files are complete, prepared, and devoid of any missing documentation, especially in cases of credit deterioration that may lead to court proceedings. To effectively review complete lending documentation and security packages of collateral. In case of internal or external audit discoveries, to provide aid to branches in resolving audit issues effectively for loan cases. Based on the trends and pattern analysis from the findings, recommendations to be provided for areas needing improvement, along with addressing the training required to fill the credit knowledge gap identified at branches. To identify the root causes of issues and challenges observed during branch visits, addressing both immediate and underlying factors to prevent the recurrence of problems and ensure continuous improvement in lending operational processes To efficiently aid branches in rectifying any discrepancies identified in credit files by either external or internal auditors. To effectively communicate and report to the relevant departments or stakeholders if there is any identified amendments are needed to be integrated into credit policies and standard operating procedures (SOP). And other ad-hoc assigned.
A deep understanding of loan processes, credit products, repayment structures, documentation, and collateral/insurance management. The ideal candidate must possess strong analytical skills and experience in credit risk management to ensure the bank's assets are protected. 1. Loan Lifecycle Monitoring Extract loan reports from the Core Banking System (CBS) . Notify relevant Business Units and branches regarding upcoming loan maturity dates according to the set schedule. Monitor and verify that loan renewals and changes to repayment plans are accurately updated in the CBS. 2. Data Integrity & Compliance Audit the CBS to ensure that Credit Committee approvals (amount, tenor, interest rates, and terms) are entered correctly. Monitor the fulfillment of all "Conditions Precedent" and loan covenants. 3. Collateral & Documentation Management Verify the accuracy of collateral data in the CBS. Coordinate with Business Units and branches to ensure all necessary security documents are complete and properly uploaded. 4. Insurance Oversight Ensure that insurance information for collateral (Fire, Motor, Comprehensive) is accurately recorded. Issue reminders for insurance renewals and manage the renewal process where necessary. 5. Repayment & Collection Support Manage the automated SMS reminder system to notify customers of upcoming principal and interest payments. Monitor Loan to Value (LTV) ratios to ensure they do not exceed policy limits. Identify "Shortfalls" and coordinate with branches to rectify collateral deficiencies. Track past-due accounts and ensure that Bank Notices and Legal Notices are issued by branches in a timely manner. 6. Stakeholder Coordination Act as a liaison between branches and insurance companies regarding policy status and renewals. Perform other duties as assigned by the department.
Key Areas of Accountability: • Monitor operational risk incidents across the organization and prepare regular reports for management. • Record and maintain a database of operational risk events and losses. • Assist in implementing risk control measures and initiatives across departments. • Promote a risk-conscious culture within the organization. • Maintain accurate and up-to-date documentation of risk management activities. • Support the preparation of risk-related reports for internal and external stakeholders. • Handle other operational risk-related duties or projects as assigned by the Risk Manager or Department Head. Skills and Competencies Requirements: • Written and communication skills. • General English (4) skills • Strong interpersonal and team work skills. • Ability to maintain confidential information. • Excellent attention to details • Computer literate.
Checking, repairing and new installation the M&E systems in branches, related buildbuildingsother related parties. Solving the problem of emergency breakdown for all branches, HO and related buildings on time. Perform proactive maintenance, reactive maintenance, emergency breakdown, fault finding, replacement, improvement and renovation. Coordination and collaboration with the operation services (MEP system) team member. Reporting the team leader case by case in daily. Survey and estimate the detailed measurement for case running process. Supervise the MEP system and handover with contractor. Survey and inspection the branches, HO, the related building, other related parties and Loan projects.
Perform pre-planning for the audit assigned. Conduct the audit following the audit guidelines. Assist Team Leader, Seniors, and other risk/control functions to ensure that processes, business activities, and internal controls effectively manage risk. Prepare and complete working papers of areas assigned and assist in drafting audit reports. Perform pre-planning for the audit assigned. Ensure the completion of assigned duties and tasks for the bank from beginning to end. Conduct an audit following the audit guidelines. Assist Team Leader, Audit Manager/Section Head, and other risk/control functions to ensure that processes, business activities, and internal controls effectively manage risk. Liaise with the auditee on the information requirement of the audit. Prepare and complete the working paper with proper indexing of supporting documents. Guide and review junior audit members’ work. Assist in drafting the audit report for the review of the Audit Team Leader and Audit Manager/Section Head Perform other related duties as assigned.
The Strategy & Insight Lead builds and operates the insights engine that informs strategic choices. The role synthesizes market, competitor, customer, and regulatory signals into decision‑grade briefs and contributes to annual planning and strategy refresh cycles. Strategy Planning Support & Executive Materials Contribute to annual plan, strategy refresh; coordinate inputs. Build concise CEO/Board materials and memos; curate insights library. Depends on the support receive from external consulting partners, support the strategic diagnosis process as necessary. Strategy Papers & Options Draft strategy papers with quantified economics, risks, and feasibility. Frame trade‑offs and decision paths for leadership. Ensure regulatory and operational realities are integrated. Market & Competitor Intelligence Design and maintain benchmarking for key peers/products/channels. Track macroeconomic and industry trends affecting banking. Produce quarterly intelligence packs with implications for the bank. Governance Cadence & Logistics Manage Strategy Councils and Quarterly Business Review (QBR) calendars, agendas, and invites. Capture minutes, decisions, and actions; follow through until closure. Coordinate workshops/offsites and stakeholder participation. Opportunity & Risk Radar Identify growth themes (segments, products, partnerships) and emerging risks. Maintain a “strategy radar” with prioritized opportunity backlog. Recommend exploratory analyses or pilots based on evidence.
The Service Excellence elevates AYA Bank’s customer experience (CX) by redesigning priority journeys and instituting measurable service standards. Maintain the coordination with branch, contact center, and digital teams to remove pain points and improve customer satisfaction and adoption. Customer Journey Mapping & Pain‑Point Removal Conduct end‑to‑end mapping for key journeys (onboarding, lending, payments). Identify demand failure and root causes; prioritize quick wins. Co‑design solutions with BU teams; track impact. Ensure Service improvement and BAU handover. Service Standards & Measurement Define channel‑specific standards (AHT, FCR, wait time, TAT). Implement dashboards; monitor adherence and variances. Run service audits and corrective action cycles. VOC & CX Analytics Set up surveys and feedback loops; analyze CSAT/NPS drivers. Publish CX insights and action plans; measure improvements. Omni‑Channel Alignment & Adoption Harmonize branch/contact center/digital experiences. Coordinate training for frontline staff; embed behaviors and scripts.
Lead and supervise Product & Solution team members, providing real-time and Level 2 support for digital banking platforms, ensuring timely resolution of customer issues. Assign tasks, monitor performance, and ensure timely delivery of team objectives. Provide coaching, guidance, and performance feedback to team members. Develop, document, and maintain comprehensive mobile and Internet banking application test strategies, plans, and cases. Conduct end-to-end testing for digital banking platforms, including functional, performance, services and user acceptance testing (UAT). Analysing the system and ensuring the test strategy is aligned with the development process requirements. Troubleshoot and resolve incidents related to mobile banking and internet banking, Identify bugs and create reports highlighting all modules’ statuses. Coordinating with the development teams and the project management team to develop effective test plans and strategies. Making improvements to the system throughout the software development phase. Promote efficiency and best practices in testing and solution management. Supports projects assigned by the digital channels operations management team. Perform other related duties as assigned or requested.