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ROLE PURPOSE  

The manager of working capital solutions manages the whole portfolio of supply chain financing and Invoice Financing and explore every opportunity for offering SCF solutions to upstream and downstream of the supply chain network and bilateral lending to corporate & SME customers.  

RESPONSIBILITIES  

• Manages a portfolio of financing and transaction of the supply chain financing and invoice financing.   

• Manages the portfolio to be healthy and sustain growth and maintain delinquency and NPL as minimal acceptable level.  

• Sell working capital solution products and other related services to prospective clients and their supply chain customers. 

• Source for quality customers by trying to understand their supply chain flow, upstream suppliers/downstream buyers, payment systems and cash cycles. 

• Develops and manages a portfolio of customer relationships by providing consultative advice, products, and services to meet customer needs. Responsible for increasing the number of major SCF customers and the number of SCF users under SCF program. 

• Obtain and analyze all necessary financial data and supporting documents of borrowers which can be obtained directly from borrowers or from the SCF customers. 

• Revolves around relationship building, idea generation, strategic business discussion, risk management, credit structuring, mass market, supply chain flow and other matters of elevated importance. Must be able to work together with multiple stakeholders for the delivery of right products which meet the needs of customers. 

• Actively ensures compliance with Yoma Bank Code of Ethics, All AML, Information security and suspicious activity reporting requirements, policies, and procedures. 

• Performs other duties as assigned. 

• Bachelor’s degree in Business, Finance, Economics or higher and a minimum five years of relevant experience. 

• Must exhibit a history of competency and success in soliciting, selling, developing, servicing and structuring a wide range of secured and unsecured commercial financings, including complex transactions. 

• Must be able to handle difficult and sensitive client relationships and capable of handling tough negotiations, both to win the deal and to legally document the transaction.  

• Should be an independent thinker and self-starter with strong sales skills and excellent credit skills.

• Highly skilled in financial modeling and able to appropriately structure credit. 

• Must be able to independently assess business risk, taking into consideration capital structures and industry nuances as applicable. 

• Will require highly developed communication skills and the ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions. 

• Ability to work within a team environment, interact with peers and management within the bank, as well as with the customers and outside support. 

• Ability to communicate (verbal and written) in both Myanmar and  

English languages