ROLE PURPOSE

Yoma Bank’s Products, Services, and Channels Division is responsible for developing and managing the bank’s financial services products and services and managing digital channels. We are inspired by building financial services that put our customers at the centre.

Our Cards Department is committed to delivering and managing a relevant and innovative suite of card products and services for Yoma Bank. To help achieve our ambitious goals, we are looking for an experienced Manager to build and lead Card Risk Management that will provide second line management and optimise risk strategy through a balanced risk/reward approach.

JOB RESPONSIBILITIES

• Accountable for end-to-end risk management for card issuing and acquiring across the credit lifecycle including risk strategy, acquisitions, authorizations and fraud, portfolio optimization and collections.
• Accountable for credit and operational risk management
• Develops and implements card credit risk appetite, policies, processes, and procedures and ensure adherence to those policies for card issuing and acquiring.
• Creates reports and MIS that support early identification of key risks in the cards business.
• Continually strives to improve the risk/reward through implementing credit scoring and test & learn strategy discipline.
• Defines and consistently achieves key milestones and operational and performance targets.
• Partners and effectively collaborates with risk management department and managers responsible for other card-related functions, including in Products, Technology, Sales and Marketing.

Education & Special Training

• Bachelor’s degree in business related field.

• Outstanding management skills, including ability to influence key stakeholders for optimal outcomes.
• Proficient PC skills in MS Office and PC based statistical, analytical and reporting tools.
• Experience with the use of Relational Databases and common programming languages such as SQL or SAS
• A customer-first attitude and commitment to deliver the highest and best level of service to Yoma Bank’s customers
• Proven experience working collaboratively across functions, including with Products, Technology, Sales, Operations, and other to drive successful outcomes.
• Excellent attention to detail and demonstrated analytical and problem-solving skills.
• Can-do attitude, willingness to learn and listen, ability to work independently, and strong drive to get things done.
• Business management education background preferred

Experience

• At least 5 years of proven experience in risk management
• Experience with Mastercard or Visa branded card products.
• Experience setting credit policy for cards.
• A strong candidate will have experience preferably in the Southeast Asia region
• Experience in the card industry in Myanmar is a plus.  

Languages

• Strong English written and verbal communication skills, with ability to express ideas in a clear and concise manner.

*Only shortlisted candidates will be contacte for interview*