ROLE PURPOSE The Internal Audit Senior Associate will provide direct support to the Internal Audit Vice President in the day-to-day execution of internal audit activities and in undertaking the assigned audit projects in accordance with the Department’s audit plans. JOB RESPONSIBILITIES Conducts audit assignments successfully from beginning to end by following test steps from audit programs. Works with the Internal Audit Vice President in preparing audit working papers (Process flowcharts, Walkthrough test and Other required audit documentations) of business processes and functional areas in accordance with standards and requirements. Reviews compliance with existing rules and regulations issued by Regulatory Bodies. Reviews existing internal policies and procedures to assess the adequacy, efficiency, and completeness of controls. Tests internal controls and data, identifies and communicates control gaps, control design deficiencies, process improvement opportunities in a timely and organized manner. Prepares clear, concise audit documentation based on audit findings derived from and supported by the audit work papers. Performs follow up activities to assess the adequacy of the corrective action taken for audit findings, and deficiencies. Perform the assigned tasks with minimum supervision. Assists in the undertaking of branch audit and surprise cash audits as required. Assists in the follow-up of management's responses to audit recommendation. Other duties, as assigned
ROLE PURPOSE The FX Dealer Officer is responsible for supporting the execution of foreign exchange transactions, providing exchange rates to relevant department, processing interbank and CBM deals under supervision, and ensuring accurate and timely deal execution in compliance with internal policies. The officer role assists in daily FX operations, customer communication, and reporting to support efficient foreign exchange activities. KEY RESPONSIBILITIES CBM allocation deals-Assist in daily FX transactions with CBM and customers. Prepare the required documents for submission to CBM for FX transactions. Support the exchange rates of share to RMs and the relevant department. Prepare and submit regulatory reports and correspondence related to FX allocation transactions, and review, verify, and report FX transaction details to regulatory department in a timely and accurate manner. Ensure compliance with the CBM instructions, internal policies and procedures. Keep and record the daily FX activities and transactions and reconcile with the related departments. Maintain strong relationships with the RM and the customer. Assist to Vice president to perform the allocated FX dealing List the FX transactions history to develop and further processing.
ROLE PURPOSE FX Dealer is responsible for executing and managing foreign exchange transactions, providing competitive rates to clients, engaging in interbank and CBM dealings, and ensuring compliance with regulatory and internal policies. The role reports daily rate setting, customer communication, and accurate deal execution to optimize profitability and manage currency risk. KEY RESPONSIBILITIES Nostro Management Check out the information from other departments regarding the outgoing fund and usage as per business requirement. Entry in Opics system buy/sell (same & cross) FX (USD/SGD/CNY/THB etc.) Transfer nostro balance to necessary banks for TT and LC obligations. FX Report Reporting FX updates, blotters, and nostro balance to relevant departments. Collecting financial documents from the branches by email and sharing them to the respective departments. Mail to relevant departments for Money Changer rates and online trading platforms data. Provide Migrant payment and utilized report to CBM matching with relevant departments. FX Spot Interbank Dealing Contact other banks for interbank FX spot deals. Share and confirm rates (via Refinitiv, email, etc.) Entry Opics deal and notify Treasury Operations for transaction completion and SWIFT settlement coordination. FX Forward & Swap Dealing (Customer & Interbank) Review rates for various tenors and conduct trades. Prepare FX Master Agreements, Risk Disclosure, and trade confirmations. Perform deal entries, settlements, and CBM reporting. Respond to CBM inquiries related to FX Forward and Swap deals. OTHER RESPONSIBILITIES Develop and maintain strong relationships and collaboration with the business of RMs and other bank dealers. Provide inter-bank dealings, SWIFT messages, and deal tickets for reporting purposes and assist in interbank FX dealing with the other banks.
Role Purpose To support the Bank's portfolio planning and growth strategy through the development and review of the Asset Writing Strategy (AWS), portfolio monitoring, and credit risk analytics. The role provides portfolio insights and management reporting for Senior Management and the Board, while supporting credit governance through policy development, review, and regulatory compliance activities. Key Responsibilities Credit Governance & Policy Support Support the review and periodic update of Credit Policies, Guidelines, SOPs, and Instructions to ensure alignment with regulatory requirements and internal standards. Coordinate policy review activities, stakeholder consultations, approval processes, and implementation of approved policy changes. Monitor regulatory developments and industry best practices and provide recommendations to strengthen the Bank's credit governance framework. Credit Risk Strategy & Portfolio Planning Support the development and review of the Bank’s Credit Risk Full Year Strategy and Quarterly Asset Writing Strategy (AWS) to ensure alignment with business objectives, risk appetite, and regulatory expectations. Perform industry, sector, geographic, and macroeconomic analyses to identify emerging risks, growth opportunities, and portfolio concentration exposures. Prepare portfolio performance insights and risk assessments for Senior Management and governance committees, while collaborating with Business, Risk, Finance, and other stakeholders to support informed decision-making and portfolio optimization. Portfolio Analytics & Management Reporting Monitor and analyze portfolio performance across products, customer segments, industries, and branches through portfolio analytics, including vintage analysis, delinquency migration, NPL monitoring, roll-rate analysis, and early warning indicator tracking. Develop and maintain portfolio dashboards, management information, and analytical reports, and assess portfolio performance against approved risk appetite metrics, concentration limits, and strategic targets.
ROLE PURPOSE The Credit Risk Manager (VP) will be primarily responsible for analysing credit proposals for both new and existing clients, in accordance with financial performance metrics, to mitigate or avoid potential risks that may be incurred. This includes assessing clients' repayment capacities and overall financial capabilities. JOB RESPONSIBILITIES Credit Risk Assessment and Decision-Making : Primarily accountable for credit risk assessment, decision-making, or recommendation for Corporate Banking in alignment with the bank’s risk appetite, credit policy, and banking regulations. Analyze and identify potential risks related to credit, financial, and market conditions, while considering potential opportunities. Conduct physical on-site verifications on a case-by-case basis, as required. Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members. Ensure that credit-related items and supporting documentation are filed accurately within the respective document management systems. Present and make recommendations to the Executive Credit Committee, reflecting the high profile and strategic impact of the role. Collaborative Credit Structuring : Partner with product and relationship teams to optimize credit structuring to meet customer requirements while mitigating key risks. Review and assess credit reports, and other product portfolio documents in alignment with Yoma Bank’s credit policy standards and relevant systems or databases. Maintain strong working relationships with stakeholders throughout the credit value chain. Support the development and management of policies, guidelines, and procedures to enhance credit decisions, ensure early identification of credit stress or concentrations, and optimize the risk-reward profile of the portfolio. Credit Reporting : Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members. Support Bank Objectives & Team : Assist in achieving Yoma Bank’s long-term and short-term strategic goals. Provide support for training and development of junior team members within the credit function. Perform additional assignments as necessary.
ROLE PURPOSE To support the credit risk function by conducting thorough risk assessments of corporate loan proposals, identifying key credit risks, and ensuring alignment with the bank’s risk appetite and credit policy. The role plays a critical part in maintaining the quality of the corporate loan portfolio by providing objective analysis, recommending appropriate risk mitigants, and assisting in the formulation of credit opinions for informed decision-making. KEY RESPONSIBILITIES Manage and review credit requests from Corporate Banking and MFI teams, ensuring timely and effective credit assessment in line with Yoma Bank’s credit policies and AWS. Review and assess credit applications, credit reports and other product portfolio documents in alignment with Yoma Bank’s credit policy standards and AWS. Analyze and identify potential risks related to credit, financial, and market conditions, whilst considering the opportunities. Conduct physical on-site verifications on a case-by-case basis as required. Maintain a strong working relationship with the stakeholders throughout the credit value chain. Consolidate the risk assessment findings and submit a recommendation to the approving authority (including ECC level files) in a timely manner. Prepare credit approval letters with quality and accuracy. Engage with the frontline and ensure that approval conditions are managed appropriately. Coordinate with Relationship Managers (RMs) to receive and verify required credit decision documents as pre-disbursement conditions and provide confirmation to the CRD Documentation Team for further processing. Ensure that credit related items and other related documentation are filed in the respective document management systems. Periodical update of the credit file processing pipelines, pending list and other departmental reporting instruments. Documents Control and ECC File Submission & Presentation Review and coordinate ECC file submission to ensure completeness and alignment before presenting to ECC. Present credit proposals during ECC meetings and record key discussions, decisions, and action points. Prepare, review, and finalize ECC meeting minutes in coordination with relevant stakeholders. Circulate approved ECC minutes to relevant departments and maintain proper records in designated storage systems. Industry Updates, Regulatory Monitoring & Stakeholder Support Monitor economic, market, and industry updates to gather relevant information supporting credit assessment and risk management. Review and assess the impact of new laws, regulations, and regulatory changes on credit customers and loan portfolios. Support the Recovery & Collection team by providing relevant information and documentation for corporate credit matters.
ROLE PURPOSE The Senior Database Administrator is responsible for ensuring availability, integrity, confidentiality, and performance of banking databases that support core banking, payment systems, channels, risk, AML, and regulatory reporting.The role ensures full compliance with banking regulations, business continuity requirements, and security standards. JOB RESPONSIBILITIES Regulatory & Compliance Responsibility (Critical) Ensure database systems comply with Central Bank and Financial Regulator directives, ISO 27001, ISO 22301, PCI-DSS (for card/payment systems), and internal IT and Information Security policies. Implement and maintain database audit logging, user activity monitoring, and evidence for regulatory and internal audits. Support regulatory examinations and IT audits, including Core Banking Systems (CBS), Disaster Recovery (DR), security, and access control. Core Banking & Mission-Critical System Support Administer databases supporting Core Banking Systems (CBS), payment switches (RTGS, ACH, SWIFT, ATM, POS), and Digital Banking (Mobile and Internet Banking). Ensure 24x7 availability with zero tolerance for data loss. Participate in major cutovers EOD/EOM/EY processing, and system rollouts. High Availability (HA) & Disaster Recovery (DR) Design, implement, and maintain bank-grade High Availability (HA) and Disaster Recovery (DR) architectures, including Oracle RAC/Data Guard and PostgreSQL/MySQL Replication. Ensure compliance with approved RTO/RPO, and Active-Active or Active-Passive DR models. Conduct regular DR drills, submit results to BCP/DR committees, and maintain DR runbooks and evidence for regulators. Data Security & Access Control Enforce least-privilege access and segregation of duties between DBA, Application, and Operations teams. Implement encryption at rest and in transit, secure credential storage, and database firewall or activity monitoring where required. Review and approve privileged access requests and emergency access (Break-Glass) usage, and ensure timely user access revocation. Backup, Recovery & Data Protection Define and maintain backup policies, including online, offline, and offsite backups, together with retention schedules aligned with regulatory requirements. Perform and validate backup integrity tests and point-in-time recovery. Ensure backups are encrypted and immutable, where applicable, and support legal, audit, and compliance data retrieval requests. Performance, Stability & Risk Management Proactively monitor transaction latency, locking and contention, and storage and I/O performance. Perform SQL and schema optimization for high-volume banking workloads. Identify database-related operational risks, implement mitigation plans, support major incidents, and perform Root Cause Analysis (RCA). Change & Release Management Participate in the Change Advisory Board (CAB). Review and approve database schema changes, patches, and upgrades. Ensure all changes follow the Maker-Checker principle and include rollback and contingency plans. Support UAT, SIT, and Production deployments. Monitoring, Automation & Reporting Implement enterprise monitoring tools, including OEM, Prometheus, Grafana, and Zabbix. Define KPIs covering availability, performance SLAs, and backup success rates. Automate routine operations using scripts while ensuring auditability and produce regular operational and compliance reports. Documentation & Audit Readiness Maintain updated database architecture diagrams, SOPs, runbooks, DR procedures, and backup procedures. Ensure documentation meets audit evidence standards and regulatory review expectations. Support internal, external, and regulatory audits. Leadership & Governance Act as the Database Technical Authority. Mentor junior DBAs and review their work. Participate in IT governance committees, including BCP, DR, and Security. Evaluate new database technologies with a risk and compliance lens.
ROLE PURPOSE The Business Data & Reporting Officer is responsible for preparing, maintaining, and monitoring business and portfolio-related data to support management decision-making. The role involves extracting data from internal systems, preparing reports and dashboards, monitoring sales pipelines, and providing basic data analysis to support the Team Lead and Relationship Managers. The position requires good analytical skills, attention to detail, and basic technical knowledge of banking systems and reporting tools. KEY RESPONSIBILITIES Business Data Management and Reporting Extract, compile, validate, and maintain customer, portfolio, and business-related data from internal systems. Prepare regular and ad-hoc management reports covering portfolio performance, loan disbursements, utilization, collateral, outstanding balances, pipeline status, and other business metrics. Ensure data accuracy, completeness, consistency, and timely delivery of reports. Maintain historical databases and reporting documentation. Portfolio Analysis and Business Performance Monitoring Analyze portfolio, customer, and business data to identify trends, opportunities, risks, and exceptions. Monitor portfolio performance, business growth indicators, and achievement against business targets. Maintain and track the sales pipeline from lead generation through loan disbursement. Provide data-driven insights and recommendations to support management decision-making. Dashboard Development and Management Information Support Develop, maintain, and enhance Power BI dashboards, visualizations, and management information reports. Prepare presentations, business review materials, and performance summaries for management meetings. Support business planning, budgeting exercises, and management reporting requirements through data preparation and analysis. System Support and Stakeholder Coordination Retrieve and validate information from banking systems and internal databases while supporting data integrity initiatives. Coordinate with Relationship Managers, business units, IT teams, and other stakeholders to address reporting requirements and data-related issues. Assist in report testing, system enhancement validation, regulatory reporting, and continuous improvement of reporting and data management processes. Perform other duties assigned by the Team Lead or Department Head.
ROLE PURPOSE This position plays a vital role within the Commercial Banking team. It is responsible for managing a portfolio of lending customers and ensuring high standards of credit quality, customer service, and cross-selling of banking products. This involves working closely with clients to understand their business and financial needs, preparing loan proposals, and providing suitable financial solutions aligned with the bank’s objectives. It requires proactive risk management, support for deposit mobilization from credit clients, and delivering outstanding banking experience to build long-term relationships. The role demands a strong commitment to performance targets, compliance with bank policies, and the ability to collaborate effectively within the team and with internal departments. KEY RESPONSIBILITIES Client Acquisition & Onboarding Lead efforts to acquire new commercial lending clients. Manage full onboarding process into bank systems. Ensure high client satisfaction from the start. Credit & Financial Analysis Prepare high-quality and detailed credit memos. Conduct in-depth financial analysis to assess client performance. Present analysis clearly for credit approval and decision-making. Client Relationship Management Conduct comprehensive site visits and client assessments. Develop and maintain strong long-term relationships. Provide customized financial solutions tailored to client needs. Portfolio Monitoring & Risk Management Monitor portfolio performance and repayment behavior. Identify early warning signs, recommend action plans, and escalate as needed. Lead portfolio review discussions with insights and recommendations. Cross-Selling & Business Growth Drive cross-selling of advanced banking products (loans, deposits, trade, cards, digital solutions). Take ownership of client portfolio retention and growth. Lead initiatives to achieve business growth and deposit mobilization targets. Collaboration & Compliance Coordinate effectively with senior management and stakeholders for loan approvals. Ensure strict compliance with credit, risk, and operational policies. Review and ensure accuracy of CRM reporting and data quality.