ROLE PURPOSE The Credit Risk Manager (VP) will be primarily responsible for analysing credit proposals for both new and existing clients, in accordance with financial performance metrics, to mitigate or avoid potential risks that may be incurred. This includes assessing clients' repayment capacities and overall financial capabilities. JOB RESPONSIBILITIES Credit Risk Assessment and Decision-Making : Primarily accountable for credit risk assessment, decision-making, or recommendation for Corporate Banking in alignment with the bank’s risk appetite, credit policy, and banking regulations. Analyze and identify potential risks related to credit, financial, and market conditions, while considering potential opportunities. Conduct physical on-site verifications on a case-by-case basis, as required. Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members. Ensure that credit-related items and supporting documentation are filed accurately within the respective document management systems. Present and make recommendations to the Executive Credit Committee, reflecting the high profile and strategic impact of the role. Collaborative Credit Structuring : Partner with product and relationship teams to optimize credit structuring to meet customer requirements while mitigating key risks. Review and assess credit reports, and other product portfolio documents in alignment with Yoma Bank’s credit policy standards and relevant systems or databases. Maintain strong working relationships with stakeholders throughout the credit value chain. Support the development and management of policies, guidelines, and procedures to enhance credit decisions, ensure early identification of credit stress or concentrations, and optimize the risk-reward profile of the portfolio. Credit Reporting : Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members. Support Bank Objectives & Team : Assist in achieving Yoma Bank’s long-term and short-term strategic goals. Provide support for training and development of junior team members within the credit function. Perform additional assignments as necessary.
ROLE PURPOSE To support the credit risk function by conducting thorough risk assessments of corporate loan proposals, identifying key credit risks, and ensuring alignment with the bank’s risk appetite and credit policy. The role plays a critical part in maintaining the quality of the corporate loan portfolio by providing objective analysis, recommending appropriate risk mitigants, and assisting in the formulation of credit opinions for informed decision-making. KEY RESPONSIBILITIES Manage and review credit requests from Corporate Banking and MFI teams, ensuring timely and effective credit assessment in line with Yoma Bank’s credit policies and AWS. Review and assess credit applications, credit reports and other product portfolio documents in alignment with Yoma Bank’s credit policy standards and AWS. Analyze and identify potential risks related to credit, financial, and market conditions, whilst considering the opportunities. Conduct physical on-site verifications on a case-by-case basis as required. Maintain a strong working relationship with the stakeholders throughout the credit value chain. Consolidate the risk assessment findings and submit a recommendation to the approving authority (including ECC level files) in a timely manner. Prepare credit approval letters with quality and accuracy. Engage with the frontline and ensure that approval conditions are managed appropriately. Coordinate with Relationship Managers (RMs) to receive and verify required credit decision documents as pre-disbursement conditions and provide confirmation to the CRD Documentation Team for further processing. Ensure that credit related items and other related documentation are filed in the respective document management systems. Periodical update of the credit file processing pipelines, pending list and other departmental reporting instruments. Documents Control and ECC File Submission & Presentation Review and coordinate ECC file submission to ensure completeness and alignment before presenting to ECC. Present credit proposals during ECC meetings and record key discussions, decisions, and action points. Prepare, review, and finalize ECC meeting minutes in coordination with relevant stakeholders. Circulate approved ECC minutes to relevant departments and maintain proper records in designated storage systems. Industry Updates, Regulatory Monitoring & Stakeholder Support Monitor economic, market, and industry updates to gather relevant information supporting credit assessment and risk management. Review and assess the impact of new laws, regulations, and regulatory changes on credit customers and loan portfolios. Support the Recovery & Collection team by providing relevant information and documentation for corporate credit matters.
ROLE PURPOSE The Senior Database Administrator is responsible for ensuring availability, integrity, confidentiality, and performance of banking databases that support core banking, payment systems, channels, risk, AML, and regulatory reporting.The role ensures full compliance with banking regulations, business continuity requirements, and security standards. JOB RESPONSIBILITIES Regulatory & Compliance Responsibility (Critical) Ensure database systems comply with Central Bank and Financial Regulator directives, ISO 27001, ISO 22301, PCI-DSS (for card/payment systems), and internal IT and Information Security policies. Implement and maintain database audit logging, user activity monitoring, and evidence for regulatory and internal audits. Support regulatory examinations and IT audits, including Core Banking Systems (CBS), Disaster Recovery (DR), security, and access control. Core Banking & Mission-Critical System Support Administer databases supporting Core Banking Systems (CBS), payment switches (RTGS, ACH, SWIFT, ATM, POS), and Digital Banking (Mobile and Internet Banking). Ensure 24x7 availability with zero tolerance for data loss. Participate in major cutovers EOD/EOM/EY processing, and system rollouts. High Availability (HA) & Disaster Recovery (DR) Design, implement, and maintain bank-grade High Availability (HA) and Disaster Recovery (DR) architectures, including Oracle RAC/Data Guard and PostgreSQL/MySQL Replication. Ensure compliance with approved RTO/RPO, and Active-Active or Active-Passive DR models. Conduct regular DR drills, submit results to BCP/DR committees, and maintain DR runbooks and evidence for regulators. Data Security & Access Control Enforce least-privilege access and segregation of duties between DBA, Application, and Operations teams. Implement encryption at rest and in transit, secure credential storage, and database firewall or activity monitoring where required. Review and approve privileged access requests and emergency access (Break-Glass) usage, and ensure timely user access revocation. Backup, Recovery & Data Protection Define and maintain backup policies, including online, offline, and offsite backups, together with retention schedules aligned with regulatory requirements. Perform and validate backup integrity tests and point-in-time recovery. Ensure backups are encrypted and immutable, where applicable, and support legal, audit, and compliance data retrieval requests. Performance, Stability & Risk Management Proactively monitor transaction latency, locking and contention, and storage and I/O performance. Perform SQL and schema optimization for high-volume banking workloads. Identify database-related operational risks, implement mitigation plans, support major incidents, and perform Root Cause Analysis (RCA). Change & Release Management Participate in the Change Advisory Board (CAB). Review and approve database schema changes, patches, and upgrades. Ensure all changes follow the Maker-Checker principle and include rollback and contingency plans. Support UAT, SIT, and Production deployments. Monitoring, Automation & Reporting Implement enterprise monitoring tools, including OEM, Prometheus, Grafana, and Zabbix. Define KPIs covering availability, performance SLAs, and backup success rates. Automate routine operations using scripts while ensuring auditability and produce regular operational and compliance reports. Documentation & Audit Readiness Maintain updated database architecture diagrams, SOPs, runbooks, DR procedures, and backup procedures. Ensure documentation meets audit evidence standards and regulatory review expectations. Support internal, external, and regulatory audits. Leadership & Governance Act as the Database Technical Authority. Mentor junior DBAs and review their work. Participate in IT governance committees, including BCP, DR, and Security. Evaluate new database technologies with a risk and compliance lens.
ROLE PURPOSE The Business Data & Reporting Officer is responsible for preparing, maintaining, and monitoring business and portfolio-related data to support management decision-making. The role involves extracting data from internal systems, preparing reports and dashboards, monitoring sales pipelines, and providing basic data analysis to support the Team Lead and Relationship Managers. The position requires good analytical skills, attention to detail, and basic technical knowledge of banking systems and reporting tools. KEY RESPONSIBILITIES Business Data Management and Reporting Extract, compile, validate, and maintain customer, portfolio, and business-related data from internal systems. Prepare regular and ad-hoc management reports covering portfolio performance, loan disbursements, utilization, collateral, outstanding balances, pipeline status, and other business metrics. Ensure data accuracy, completeness, consistency, and timely delivery of reports. Maintain historical databases and reporting documentation. Portfolio Analysis and Business Performance Monitoring Analyze portfolio, customer, and business data to identify trends, opportunities, risks, and exceptions. Monitor portfolio performance, business growth indicators, and achievement against business targets. Maintain and track the sales pipeline from lead generation through loan disbursement. Provide data-driven insights and recommendations to support management decision-making. Dashboard Development and Management Information Support Develop, maintain, and enhance Power BI dashboards, visualizations, and management information reports. Prepare presentations, business review materials, and performance summaries for management meetings. Support business planning, budgeting exercises, and management reporting requirements through data preparation and analysis. System Support and Stakeholder Coordination Retrieve and validate information from banking systems and internal databases while supporting data integrity initiatives. Coordinate with Relationship Managers, business units, IT teams, and other stakeholders to address reporting requirements and data-related issues. Assist in report testing, system enhancement validation, regulatory reporting, and continuous improvement of reporting and data management processes. Perform other duties assigned by the Team Lead or Department Head.
ROLE PURPOSE This position plays a vital role within the Commercial Banking team. It is responsible for managing a portfolio of lending customers and ensuring high standards of credit quality, customer service, and cross-selling of banking products. This involves working closely with clients to understand their business and financial needs, preparing loan proposals, and providing suitable financial solutions aligned with the bank’s objectives. It requires proactive risk management, support for deposit mobilization from credit clients, and delivering outstanding banking experience to build long-term relationships. The role demands a strong commitment to performance targets, compliance with bank policies, and the ability to collaborate effectively within the team and with internal departments. KEY RESPONSIBILITIES Client Acquisition & Onboarding Lead efforts to acquire new commercial lending clients. Manage full onboarding process into bank systems. Ensure high client satisfaction from the start. Credit & Financial Analysis Prepare high-quality and detailed credit memos. Conduct in-depth financial analysis to assess client performance. Present analysis clearly for credit approval and decision-making. Client Relationship Management Conduct comprehensive site visits and client assessments. Develop and maintain strong long-term relationships. Provide customized financial solutions tailored to client needs. Portfolio Monitoring & Risk Management Monitor portfolio performance and repayment behavior. Identify early warning signs, recommend action plans, and escalate as needed. Lead portfolio review discussions with insights and recommendations. Cross-Selling & Business Growth Drive cross-selling of advanced banking products (loans, deposits, trade, cards, digital solutions). Take ownership of client portfolio retention and growth. Lead initiatives to achieve business growth and deposit mobilization targets. Collaboration & Compliance Coordinate effectively with senior management and stakeholders for loan approvals. Ensure strict compliance with credit, risk, and operational policies. Review and ensure accuracy of CRM reporting and data quality.
Credit Proposal Preparation & Underwriting Support in structuring and preparing credit applications for both new and existing borrowers and any type of credit products. Cooperate in business site inspection and dealing with borrowers for credit request and structure. Prepare and ensure required supporting documents are obtained, reviewed, and properly filed prior to credit risk submission. Credit Risk Assessment and Approval Seeking Analyze the 5Cs of the credit and ensure the consistency between credit proposals and supporting documents. Submit credit proposals to and coordinate with Credit Risk to address queries, provide additional information, and facilitate timely approval decisions. Support the implementation of recommendations and conditions stipulated by credit approving authorities. Credit Documentation and Compliance Support credit files and documentation in accordance with existing guidelines properly. Ensure credit submissions comply with internal credit policies, regulatory requirements, and approved credit standards. Assist in annual reviews, credit renewals, covenant/condition monitoring, and periodic portfolio reviews as necessary.
ROLE PURPOSE The Associate/ Senior Associate - Relationship Manager (Commercial Banking) plays a more advanced support role for Relationship Managers in client management, documentation, follow-ups, and operational coordination while also taking partial ownership of client-facing activities. The role contributes to reporting accuracy, process improvements, and provides guidance to junior associates to enhance team performance. KEY RESPONSIBILITIES Client Relationship Support Provide advanced support to RMs in preparing client documents, proposals, and call reports Manage and sometimes attend client meetings, site visits, and follow-up schedules Ensure accuracy and compliance in KYC/loan application document verification Maintain robust client portfolio management through accurate CRM/reporting tools tracking Admin & Team Support Prepare accurate and timely reports (pipeline tracker, onboarding list, delinquency summary) and submit directly to Team Leads Coordinate effectively with multiple departments to ensure smooth loan processing and documentation completion Oversee the organization of team meetings, schedules, and data collection to improve efficiency Guide and support junior associates, fostering collaboration and knowledge sharing within the team
ROLE PURPOSE The Internal Audit Vice President must be self-driven individual who will be responsible for conducting audits of the organization, preparing audit reports, and highlighting issues relating to internal controls & risk management. The Internal Auditor must possess in-depth knowledge and capabilities to be able to execute audit assignments whilst bringing systematic approach to examine and evaluate the adequacy, effectiveness and efficiency of risks, internal control systems and provide recommendations, improve efficiency. JOB RESPONSIBILITIES Plan and conduct assigned risk-based audits and develops audit programs and testing procedures relevant to risk and audit objectives in accordance with annual audit plan. Manages and leads entire audit assignment process, including detailed planning of audit assignments, execution and reporting in accordance with Internal Audit Manual and Internal Audit methodology. Leads diverse audit team members by creating an environment fostering self-development and the development of others. Clearly explains team members how to perform and apply audit procedures, including conducting interviews, utilizing appropriate sampling techniques, performing analytics, and evaluating audit evidence. Understand the key functions and business processes and identify the key risks and related controls environment and activities. Perform audit procedures to verify the implementation and effectiveness of controls through testing and evaluation by interacting with the relevant stakeholders. Update to Head of Internal Audit and Chief Auditor on regular basis; progress on assigned projects, highlight the challenges, and any arising significant issues noted. Communicate audit findings and recommendations with management and departmental heads in a timely manner. Ensure successful completion of assigned projects within the stipulative timeline and deliver timely, quality audit reports. Assists in the preparation of Audit Committee package and reporting to Senior Management. Conduct ad-hoc/ special investigations and reviews as requested by management/ BOD. Other duties as assigned.
ROLE PURPOSE The Vice President, Marketing Management (IMC) is a senior leadership role responsible for defining, governing, and driving integrated marketing and communication strategies across the Bank. This role provides strategic oversight of end to end go-to-market (GTM) initiatives, integrated campaigns, and business-critical programs, ensuring alignment with corporate objectives, brand standards, and regulatory requirements. The role leads cross-functional collaboration, drives execution excellence, and ensures measurable impact across all customer touchpoints while strengthening Yoma Bank’s brand equity and market leadership. JOB RESPONSIBILITIES Strategy Development & Alignment Define and lead the Integrated Marketing Communications (IMC) and GTM strategy aligned with business priorities and brand direction. Act as a strategic partner to business units, product teams, and senior leadership on marketing and communication planning. Establish frameworks, standards, and governance models to ensure consistency, quality, and compliance across all campaigns. GTM Strategy & Campaign Oversight Own end-to-end GTM strategy for major product launches, initiatives, and corporate programs. Approve campaign strategies, messaging frameworks, and channel mix across ATL, BTL, digital, and internal communications. Ensure campaigns are customer-centric, insight-driven, and commercially effective. Execution Excellence & Cross-Functional Leadership Provide leadership oversight to ensure timely, high-quality execution across creative, digital, media, and internal teams. Collaborate closely with Risk, Legal, Compliance, Procurement, and Finance to ensure full regulatory and policy adherence. Proactively identify risks, dependencies, and bottlenecks, driving resolution at a leadership level. Performance Management & Insights Define success metrics, KPIs, and performance dashboards for campaigns and programs. Review post-campaign evaluations, derive insights, and translate learnings into future strategies. Present performance updates and strategic insights to senior management and relevant governance forums. People, Program & Budget Leadership Provide coaching, direction, and performance management to IMC and marketing management team members. Oversee program planning, resource allocation, and budget utilization to ensure efficiency and ROI. Manage agency and vendor performance, including strategic alignment, delivery standards, and cost effectiveness.