JOB PURPOSE

We are looking for a driven Head of Regional Branches 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 Deliver 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 Leadership Team (LT) 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 appetite 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.
• Support branches and staff under his/her 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.
• Well understands over relevant products’ policies and procedures in operating process and over the workflow and procedure in core banking system.
• 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 ATM and POS
• The rules, regulations, instructions and SOPs are resulted up to date whenever any audit checks.
• Assist Branch Managers in regard to internal & external audit processes.
• Execute the remediate plan for audit findings.
• 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, operational issues, business, operations, compliance and people.
• Must perform according to the RH 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.

• Undergraduate degree with more than 10 years related experience and/or training; or equivalent combination of education and experience
• Knowledge and experience in banking or other financial services organizations within a regulated environment
• Thorough knowledge of all activities associated with product and service needs of the individuals and small businesses, including regulatory/legal issues.
• Experienced in leading several teams / branches across a network.
• Ability to analyze the strengths and weakness of each branch and drive them in achieving their goals.
• Ability to actively seek out and establish relationship with regional business leaders, high net-worth clients, and government authorities
• Ability to drive financial outcomes through proactively managing revenue and costs.
• Drive a consistent, execution focused culture making best practice common practice.
• Strong leadership skills to inspire commitment, high energy, and positive attitude from the front-line staffs.
• Understand and keep up to date with different business sectors across Myanmar to expend branch network into areas with high potential for growth.
• Knowledge and experience of business financial products and services.
• Management of Organizational risk including credit, compliance and operational risk.
• Demonstrate ability to manage the financial goals and targets of the region.
• 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.
• Must have good software proficiency - MS Office (good in word, advanced excel and power point)
• Fluency in Myanmar and English
• Excellent writing skills in Myanmar and English