Spearhead end-to-end development of VAS offerings—including airtime top-ups, utility and bill payments, micro-loans, e-commerce facilitation, government service integration, other payment networks and Loyalty program. Support Project Management Head in building commercial and technical partnerships with public & private institutions, and FinTech, to expand service reach and digital inclusion. Map workflows across mobile app, USSD, and agent/merchant interfaces for seamless customer interaction and partner service delivery. Monitor VAS performance metrics and drive enhancements based on customer feedback, service utilization, and regulatory updates. Develop SOPs, grievance and escalation flows, and fraud mitigation controls for each VAS segment to ensure operational clarity and risk containment. Align internal stakeholders—such as legal, finance, and compliance for VAS onboarding and execution processes Undertake any other duties or responsibilities related to VAS or digital service development as assigned by management, based on business needs and strategic priorities.
The role holder is assigned to manage the designated team and collaborate with the Relationship and Credit Management Team to handle credit underwriting, monitoring, and control works. Job holder is also responsible to review the team performance compared with the agreed KPI and discuss such results with the Business Unit Head for revision and/or improvement from time to time. The person must display in-depth credit knowledge, skills, and experience with balanced and independent credit judgment to support corporate businesses in achieving their designed business targets with good credit quality for both existing customers and newly acquired customers. Conducts sales efforts commensurate with market opportunity to generate new clients, while maintaining and expanding existing profitable client relationships The person must display good people management skills. To make balanced credit decisions and guide and coach junior underwriters and RMs to underwrite credit proposals (make credit recommendations) for higher credit approval authorities. To manage responsible credit works for designated clients with acceptable underwriting work quality and efficiency including individual turnaround time and cost-effectiveness To balance risk/return, credit quality, and productivity to achieve the Business Unit's designated targets for good quality loan portfolio, effective credit and const control, turnaround times, and customer service. To help the team maintain the quality of existing and new customer credit bookings through proactive and regular monitoring (early warning and NPL prevention exercise). To understand laws, regulations, credit governance, policies, group business strategies, management initiatives, and credit approval process to ensure compliance with internal/external policies and regulations to provide timely and good decision-making. To develop, and maintain assigned credit underwriting guidelines and/or supplementary credit policies or other credit-related works such as product development, credit approval process, standard covenants, etc. to be in line with the bank's business and credit strategy and underwriting standard and practice. To involve related other projects as assigned by the Business Unit Head.
The Operation Manager oversees daily business operations to ensure efficiency, compliance, and service quality across teams and digital platforms. The role includes managing insurance-related financial processes, supporting mobile app services, leading projects, supervising teams, and working with cross-functional stakeholders to improve workflows and uphold professional standards. Assist in managing day-to-day operations to ensure operational efficiency, compliance, and seamless workflow across multiple teams. Drive the implementation, monitoring, and continuous improvement of operational strategies, policies, and procedures. Coordinate and build strong relationships with internal and external stakeholders to proactively resolve operational issues and enhance service delivery. Prepare, analyze, and monitor budgets, financial reports, and operational performance metrics, with a strong focus on insurance commission calculations and reconciliation. Lead and support the planning, execution, and monitoring of operational projects, ensuring timely delivery, clear milestones, and measurable outcomes. Provide operational oversight for digital/mobile application–based services, maintaining service quality and driving adoption. Collaborate with cross-functional teams (Finance, Product, IT, Insurance, and Operations) to streamline processes and ensure alignment with business goals. Supervise, mentor, and guide team members, fostering a collaborative, accountable, and high-performance culture. Apply project management skills to oversee multiple initiatives simultaneously, including resource planning, risk management, and progress reporting. Identify process inefficiencies, propose data-driven improvements, and champion the implementation of best practices. Ensure compliance with internal policies, regulatory requirements, and industry standards while minimizing operational risks.
The Business Development Manager role is responsible for driving the KBZPay Center Business growth by exploring new business opportunities, establishing and maintaining long-lasting relationships with clients and partners in order to expand our market presence in fintech industry. Conduct market analysis to explore new business opportunities and stay updated with industry trends. Develop and exercise business development strategies embed with KBZPay Center BU objectives. Scrutinize competitor analysis and market intelligence to inform strategic decisions. Identify, attract potential clients and partners for the possible business collaboration. Prepare presentations and center’s offered services to potential clients. Lead and supervise the promotion events at KBZPay centers across the nation. Establish and uphold long-lasting relationships with existing/potential clients, partners and stakeholders. Work closely with the marketing communications functions, KBZPay PMO, and operations teams to align efforts and ensure execution of business development strategies. Provide constructive feedbacks and objective insights to DVCGM for improving business and transactions. Monitor and report the progress of business development activities and performance metrics. Presence the KBZPay Center business at industry events and networking events.
Ensure all the settlements and reconciliation completed daily, weekly and monthly. Review the transaction details from all issuing & acquiring networks on daily basic and reconcile every transaction that have been settled. Download Merchant Settlement Report from Smart Vista System andReconcile with VSS Report from Edit Package Client. List out by Card Type from SV report to reconcile with respective Settlement. Calculate the Merchant Settlement Reconciliation and Prepare the Merchant settlement File. Reconciling Closing Balance of all the receivable and payable accounts. Prepare CBM report daily, Weekly, Monthly. Adding data of All Prepaid Card Sale transactions and Income register for Sundry reconciliation and QMR Report. Reconcile for All Prepaid Card Sale transactions and Income Registers. Add data of All VISA POS Sale transactions and Income register for Sundry reconciliation and QMR Report. Reconcile Closing Balance of Sundry Deposit Account with All POS Sale transactions and Income Registers. Reconcile Daily Total top-up amounts of Schedule with the system and prepare summary settlement Voucher for both MMK and USD Account to the Visa and Master Ledger.
The role holder is responsible for facilitating and maintaining good relationships with banks and NBFIs. The ideal candidate is expected to help resolve operational issues with counterparties. He/She is also responsible for providing customers with adequate information about the bank’s products/services, and for retaining and cross-selling to customers. Banks Act as point of contact for establishing and maintaining business relationship with other international and domestic banking counterparties. Develop, promote and support growth of the bank business in the International circles through correspondence relationship. Manage RMA establishment, Annual Reviews, Open/Close of new/existing account Responsible for assessing an applicant's credit worthiness Prepare FI Credit Application Form and presenting to Management Credit Committee (or) Board Credit Committee Conduct periodic Counterparty Analysis and Credit Monitoring on Financial Institutions (Annually, Quarterly, etc) Liaising with internal departments to solve client’s issues and to fulfill customer’s satisfaction. Establish close relationships with counterparty banks, and maintain up-to-date with every-changing market situations Perform Ad-hoc duties assigned by Dy.Head/ BU Head.
Job holder ensures full delivery of the objectives of the Credit Risk Function. Job holder is also responsible for supporting the bank’s strategies and initiatives to provide an effective and engaging digital customer on boarding experience, expand the agent and merchant networks, and drive the usage of mobile and digital applications, in order to achieve economic and social development in Myanmar through nation-wide financial inclusion. Evaluate Business Credit Applications/Memorandums raised by Relationship Managers in the Commercial Banking Value Centre and contribute constructive suggestions to develop a fully informed and well-balanced representation of the case to facilitate decision making by the Approving Authority. Write the Executive Summary embodying the independent credit evaluation, including risk mitigation measures were found wanting for support of the business case and varying the request where justifiable. Or decline the request with justification where the risk is deemed not bankable. Conduct joint customer visit with the Relationship Manager and contribute to the discussion with the view to achieving the objectives of the customer visit. Carry out verification, validation and authentication of information and documents provided by the Relationship Manager and the customer to ensure that the facts are accurate, reliable and true. Liaise closely with the Value Centre General Managers of all Value Centers of the Bank, irrespective of whether they are lending units or otherwise, to fully understand their operations and how they impact on credit risk function. Liaise closely with the Bank's in-house Legal and Compliance Team to fully understand the legal aspects impacting on the extension of credit and securing documentation. Assist the Head, Credit Function in implementing the Early Alert process for monitoring and tracking of credit exposures. Liaise closely with the Team Leader, Credit Control and Recovery to share first-hand experience of credit concerns about the Bank’s borrowing customers. Implement any other duties assigned by the Head, Credit Function. Provide support to the VCGMs and other Function Heads to facilitate and drive KBZ’s strategy of achieving nation-wide financial inclusion.
The role of a Corporate & Branch Channel Manager involves overseeing and managing the bancassurance (partnership between a bank and an insurance company) activities within a corporate or institutional setting. As the Corporate & Branch Channel Manager, you are responsible for driving the success of our bancassurance management initiatives and strengthening relationships with channel partners within the Bancassurance business units. The Corporate and Branch Bancassurance Manager plays a pivotal role in driving the financial success of corporate clients while effectively managing and optimising distribution channels for Bancassurance products and services. The Corporate & Branch Channel Manager plays a crucial role in driving revenue growth, enhancing customer relationships, and ensuring the successful implementation of bancassurance strategies within the corporate sector. Develop and implement strategic plans for bancassurance within the corporate sector, aligning with the overall goals of the organisation. Build and maintain strong relationships with corporate clients, key stakeholders, and insurance partners. Collaborate with internal teams, including Local Corporate, International Corporate, SME and Wealth segment to ensure effective communication and coordination. Work closely with insurance providers to design and develop insurance products that meet the specific needs of corporate clients. Analyse market trends and competitor offerings to stay competitive and innovative. Drive sales growth by identifying new business opportunities and expanding the bancassurance portfolio within the corporate segment. Set and achieve sales targets, monitor performance, and implement strategies to enhance results of branches. Provide training to bank staff on insurance products and services. Ensure that the bank's employees are knowledgeable about the features, benefits, and selling points of the insurance products. Ensure compliance with regulatory requirements and industry standards in bancassurance operations. Implement risk management practices to minimise potential financial and reputational risks. Prepare regular reports on bancassurance performance, including key metrics, sales trends, and market insights. Analyse data to identify areas for improvement and implement strategies to optimise results. Ensure high levels of customer satisfaction by addressing client inquiries, resolving issues, and maintaining a positive customer experience. Develop and manage budgets related to bancassurance activities. Monitor expenses and ensure cost-effectiveness in implementing strategies and campaigns. Conduct market research to understand the needs and preferences of corporate clients. Stay informed about industry trends, competitor activities, and regulatory changes that may impact bancassurance. Collaborate with other departments, such as finance, legal, and compliance, to ensure seamless integration of bancassurance activities within the overall business operations. Work closely with senior management to align branch management objectives with overall Bancassurance business goals. Provide insights and recommendations for continuous improvement based on performance metrics. Demonstrate enthusiasm and a commitment to adhere to KBZ’s principles and values. Provide support by undertaking any other additional functions as delegated by the Head of Bancassurance and MD.
The role of the position holder will be assisted to team member, line mangers, support for the Bank’s trade operation and demonstrated cooperation capabilities, including ability to organize to obtain an organization goal. The role holder is also responsible for performing day to day trade operations to achieve customer satisfaction while minimizing the occurrence of operational risks and monitor customer trade transactions, and report any exceptions to the supervisor. Perform maker level for import letters of credit, Import Bills under L/C, Import collections, Export L/C and Export Collections and Trade Financing. Perform maker level for Examination and amendments of documentary Letters of Credit and Collections. Reviews letter of credit and collections application form and documents to determine Compliance with standard operation of procedure. Check all information thoroughly to ensure there are no errors and what is being presented is evaluated and validated correctly in the interests of the bank and its policies. Perform the Maker level the SWIFT system and AML System. Follow-up and resolve pending transactions. Handle incoming queries and communications from both internal and external client. Be knowledgeable about all trade finance products, so as to identify customer need as the Maker level. Understanding CBM rule for Trade Finance products. More prefer the candidate knowledgeable for the trade financing process. Perform Maker level for reconciliation for Trade and Trade Finance product.