Key Responsibilities Conduct risk assessments in coordination with various departments and management. Allocate resources and prepare detailed audit programs. Lead audit teams during planning, fieldwork, reporting, and follow-up. Review working papers, testing results. Ensure timely completion of audits within the approved plan. Present audit findings, root causes, and recommendations to management. Monitor and track the implementation of audit recommendations. Coach and mentor audit staff to enhance performance and professionalism.
Consumer Insight Support Assist in data collection, cleansing, and report generation from internal systems and external sources. Prepare draft reports, presentations, and dashboards for product performance reviews. Coordinate with internal teams (Retail Banking, Digital, Product, Marketing) to gather required information. CBO Support (Business & Administrative Coordination) Assist the CBO in preparing meeting materials, presentations, and briefing notes. Coordinate schedules, meetings, and follow-ups related to business activities. Track action items from management meetings and ensure timely follow-up with relevant teams. Handle confidential documents and information with a high level of discretion. Support ad-hoc analysis or information requests from the CBO.
To deliver good customer service to customers. To ensure customers understand AYA Bank's product and services in details. To complete KYC's information (Know Your Customer). To assist customers for their cash withdrawal and deposit according to the banking operating procedures. To help Branch Manager for the daily closing process. To function the branch administrative and necessary HR processes. To comply with banking policy, operation and procedures as instructed by Head office or Central bank of Myanmar.
• Updating the actual data of Business Units' P&L monthly • Assist with the Month-on-Month Variance Income/expense report • Assist in doing deep-dive analysis on digital revenue streams to identify growth and trends. • Extract and prepare data from the system to provide necessary financial reports. • Assist the UAT process for new product launch.
• Financial forecasting: Develop scenario-based financial models for Digital Business Units, ensuring alignment with corporate goals • Deliver a month-on-month Variance report; to provide the “narrative” behind financial performance and identify the root causes of variance. • Prepare monthly performance analysis to evaluate the health and profitability of digital business lines • Ad-hoc analysis reports and projects for business initiatives and product expansions • Using software to perform deep-dive analytics of the Product’s Performance • Support strategic planning and business performance reviews. • Work closely with departments to understand financial assumptions.
Work across and partner with the HODs to develop and implement effective HR related policies and practices that will support the strategic growth of the Bank. Be able to partner and educate the employees on Performance Management, Employee Development Goals and KPIs in line with the Bank’s strategy and goals. Support the Management, HODs and the People Manager on HR-related issues in line with labour and statutory laws as well as the Bank’s policies and guidelines. Be able to support in the continuous development of HR initiatives and programs like recruitment, retention, coms & bens, and Learning & Development, etc. Be a champion for and accelerate Bank’s Values and Culture in which the employees across the Bank feel engaged, inspired and involved to deliver top business results. To support to the Functional Leaders and to add value to overall business objectives, providing HR solutions, resolving personnel grievances, retaining a talented workforce, and ensuring compliance with regulations.
Responsible for ensuring that branches and relevant business units comply with credit risk policies and standard operating procedures, as well as ensuring compliance with credit-related regulatory directives and internal instructions. Additionally, the section is responsible for ensuring complete filing of lending documents and the completeness of security packages stored in branches. Therefore, this role requires a proficient professional with strong knowledge in developing and implementing best practices in credit risk management, lending documentation, collateral, and title deed documentation, especially in credit risk monitoring techniques and credit risk governance. The position requires skill sets in checking credit files at branches and facilitating continuous improvement initiatives to enhance the effectiveness of credit risk management practices and compliance in documentation and securing collateral. To conduct quality control checks on branches and identify areas exposed to credit risk, e.g. to sample branches and plan quality control checks based on observations of delinquency trends in branch performance from the Core Banking System (CBS). To develop checklist which area to be focused according to the identified areas for improvement. To ensure timely verification of signed documentation compliance, including complete signatures on new and renewal lending documents. Additionally, to ensure loan files are complete, prepared, and devoid of any missing documentation, especially in cases of credit deterioration that may lead to court proceedings. To effectively review complete lending documentation and security packages of collateral. In case of internal or external audit discoveries, to provide aid to branches in resolving audit issues effectively for loan cases. Based on the trends and pattern analysis from the findings, recommendations to be provided for areas needing improvement, along with addressing the training required to fill the credit knowledge gap identified at branches. To identify the root causes of issues and challenges observed during branch visits, addressing both immediate and underlying factors to prevent the recurrence of problems and ensure continuous improvement in lending operational processes To efficiently aid branches in rectifying any discrepancies identified in credit files by either external or internal auditors. To effectively communicate and report to the relevant departments or stakeholders if there is any identified amendments are needed to be integrated into credit policies and standard operating procedures (SOP). And other ad-hoc assigned.
A deep understanding of loan processes, credit products, repayment structures, documentation, and collateral/insurance management. The ideal candidate must possess strong analytical skills and experience in credit risk management to ensure the bank's assets are protected. 1. Loan Lifecycle Monitoring Extract loan reports from the Core Banking System (CBS) . Notify relevant Business Units and branches regarding upcoming loan maturity dates according to the set schedule. Monitor and verify that loan renewals and changes to repayment plans are accurately updated in the CBS. 2. Data Integrity & Compliance Audit the CBS to ensure that Credit Committee approvals (amount, tenor, interest rates, and terms) are entered correctly. Monitor the fulfillment of all "Conditions Precedent" and loan covenants. 3. Collateral & Documentation Management Verify the accuracy of collateral data in the CBS. Coordinate with Business Units and branches to ensure all necessary security documents are complete and properly uploaded. 4. Insurance Oversight Ensure that insurance information for collateral (Fire, Motor, Comprehensive) is accurately recorded. Issue reminders for insurance renewals and manage the renewal process where necessary. 5. Repayment & Collection Support Manage the automated SMS reminder system to notify customers of upcoming principal and interest payments. Monitor Loan to Value (LTV) ratios to ensure they do not exceed policy limits. Identify "Shortfalls" and coordinate with branches to rectify collateral deficiencies. Track past-due accounts and ensure that Bank Notices and Legal Notices are issued by branches in a timely manner. 6. Stakeholder Coordination Act as a liaison between branches and insurance companies regarding policy status and renewals. Perform other duties as assigned by the department.
Key Areas of Accountability: • Monitor operational risk incidents across the organization and prepare regular reports for management. • Record and maintain a database of operational risk events and losses. • Assist in implementing risk control measures and initiatives across departments. • Promote a risk-conscious culture within the organization. • Maintain accurate and up-to-date documentation of risk management activities. • Support the preparation of risk-related reports for internal and external stakeholders. • Handle other operational risk-related duties or projects as assigned by the Risk Manager or Department Head. Skills and Competencies Requirements: • Written and communication skills. • General English (4) skills • Strong interpersonal and team work skills. • Ability to maintain confidential information. • Excellent attention to details • Computer literate.