JOB PURPOSE
We are looking for a driven Regional Manager to maximize business growth and performance to achieve or exceed financial goals, while delivering on Yoma Bank’s standards in sales and service. Coaches and mentors branch managers to ensure that Yoma Bank’s business plan is executed and operational procedures, and sales & service standards are followed. Must be aware of risk and control of the operational procedure and share it to all respective staff accordingly. In addition, also need to have long term vision and mission. Must be proactive in learning as a continuous improvement. This will be a commissions based bonus role with a generous base salary and potential to earn commissions based on the assigned region performance. You will be required to handle the following:

KEY ACCOUNTABILITIES:
SALES 25% Weighting
• Responsible for planning, organizing and controlling all aspects of the business across his/her region by maximizing the capability and profitability of his/her branches and teams.
• Assists Branch Managers growing their customer base by developing effective business plans with each branch.
• Manages the regional portfolio of deposits and lending as well as takes responsibility for a personal portfolio consisting of the high value regional customers when necessary.
• Provides leadership and direction to Branch Manager to assist in the achievement of the Branch's agreed business objectives goals and targets.
• Active in helping the Branch Managers to achieve their goals. This support will be delivered by regular visits to the branches to coordinate between customer’s requirement and bank’s policy.
• Hold regular regional meetings with branches and review branch performance.
• Anticipates changes in the market, responding quickly to customer needs and maximizing new development opportunities.
• Must be regional expert in deposit & loan application preparation and coach manager and staff.
• Ensures that the Region's business is developed to its maximum potential by the effective selling of all Bank products to existing and potential customers.
• Analyses all reports, highlight relevant issues and recommend appropriate action to management and branch management.
• Must be able to appraise both customer’s business and collateral to avoid Non-Performing Loan.
• Provide Senior Management with detailed reports reflecting performance, risks and opportunities available to your department in a timely manner.
• Develops managers and officers by giving support in developing new account relationships. Participates directly in the sales effort to attract, retain and grow relationships.
• Represents the bank as appropriate in its relationships with major customers, suppliers, competitors, government agencies, professional societies, and similar groups.

CUSTOMER 30% Weighting
• Must be responsible for always looking for ways to continually improve processes impacting customer service and satisfaction
• Ensures all branches and staff under his/her control provide optimum customer service at all times. Uses Queue Machine data to isolate areas of performance that require improvement.
• Assists branches and staff under his control to build and develop on existing customer relationships to assist in achieving goals, build relationships and cross sell bank products.
• Provide a high quality customer support service to Branch and Corporate Banking and other business division customers in order to maximize customer satisfaction.
• Advise customers to the most appropriate products channels.
• Migrate customers towards self-service digital banking environment.
OPERATIONS 15% Weighting
• Is fully aware of the status and number of all Non-Performing loans (NPLs) applicable to each branch under his/her control. Actively participate in securing < 60 days NPLs and coordinate in securing >60 days NPLs. (Move to operation)
• Implements and reinforces policies and procedures to comply with fundamental business and credit priorities of the bank.
• Ensure all customer and internal transactions are carried out in a timely manner with minimal error or delay.
• Well understands individual branch real cash balances and ensures productivity levels are optimum and look for ways to reduce waste.
• Aware of a new information technology including core banking system (CBS), Digital Channel and ATM
• The rules, regulations, instructions and SOPs are resulted up to date whenever any audit checks.
• Achieve satisfactory or better audits as confirmed by internal audit and CBM audits.
• Visits all branches at least once a month carrying out operational analysis, observations and surprise checks as required.
• Provides line management monthly regional report outlining performance in regards, business, operations, compliance and people.
• Must perform according to the RM checklist and then report to Head Office.


COMPLIANCE 15% Weighting
• Is accountable for building and providing an environment for managers and staff to achieve business objectives in a compliant manner
• Is accountable for all branches and personnel under his/her control to adhere to compliance, audit and regulatory matters. Including adhering to all internal and external policies and procedures. i.e. Code Of Conduct,
• Credit Policy -. Ensure that the Branch's advances within the region portfolio and operating environment is managed within acceptable risk exposures; and that prescribed systems, procedures, compliance and controls are adhered to in all aspects of the Branch's activity.
• Must be responsible and accountable including business, operation, customer service.

PEOPLE 15% Weighting
• Actively coaches Branch Managers in achieving improved skills through active management. Document all training, coaching and observations.
• Develops training and development plans for Branch Managers and responsible for selecting, coaching and developing high performing talent
• Acts as a role model in accordance with the bank values.
• Inspires, develops, coaches and challenges Branch Managers and Staff to perform their best.
• Works collaboratively with all head office stake holders to develop the business.
• Have a regular communication within the region to be effective.
• Exercises human resource responsibility for staff supervision including hiring, termination, performance review, salary recommendation, and personnel issues.
• Establishes performance goals, allocates resources and assesses annual performance from direct reports.
• Provides leadership and direction to staff to retain and maximize their motivation and contribution to the success of the business.
• Ensures that all branch managers and branch staff receive their salary and bonus in an equitable manner.

Knowledge & Skills
Essential
• Thorough knowledge of all activities associated with product and service needs of the individuals and small businesses, including regulatory/legal issues.
• Experience in an organized sales calling program.
• Analytical skills and research abilities.
• Bank product and service knowledge.
• Coordinate events and meetings.
• Demonstrated management skills.
• Marketing skills.
• Negotiation skills.
• Personal computer skills.
• Problem solving.
• Organizational skills.
• Leadership skills.
• Interpersonal skills
• Must be able to take up the post at any one of the Yoma Bank locations throughout the country for a minimum of two to three years.

Education & Special Training
Essential
• Undergraduate degree with more than 10 years related experience and/or training; or equivalent combination of education and experience
• Should have good software proficiency - MS Office (good in word, advanced excel and power point)
Desirable
• MBA

Experience
Essential
• More than 10 years related experience
Desirable
• Branch Manager experience

Languages
Essential
• Fluency in Myanmar and English
• Excellent writing skills in Myanmar and English

*Only shortlisted candidates will be contacted for interviews*