ROLE PURPOSE To carry out detailed credit risk analysis and vetting of SME loan files, ensuring compliance with Yoma Bank credit policies, CBM regulations, and legal requirements. The role supports the maintenance of portfolio quality by identifying risk factors, recommending mitigations, and preparing risk comments for approval. JOB RESPONSIBILITIES Credit Risk Analysis & Vetting Perform credit risk analysis of new and existing Commercial, SME, Agri-SME, SOD, SCF, and HL loan files (HOD and Chief DOA) Review approval forms and documents submitted by branches/business units for completeness, accuracy, and compliance. Assess business, industry, financial, security, credit, and default risks of SME borrowers. Cross-check serviceability ratios (ICR, DSCR, etc.), bank statements, and financial records to identify discrepancies or undisclosed exposures. Verify collateral valuation (MV, FSV, LTV) as per CVT and ensure proper grading of credit and collateral risks. Comment on borrower/guarantor suitability, collateral ownership, corporate/shareholding structures, and compliance with Myanmar customary law where applicable. Review compliance with prior approval terms & conditions in renewal/additional cases. Review and assess interim requests such as borrower/portion changes, collateral swaps/releases, and partial settlements, and issue approval notifications with applicable T&Cs once it is approved by the relevant authority. Risk Commenting & Recommendations Credit Risk Department (CRD) comments highlighting identified risks and recommending mitigations. Propose approval/rejection/reduction with clear Terms & Conditions (T&C), covering borrower details, guarantors, facility type, repayment, pricing, collateral, and compliance matters. Ensure recommendations align with YB credit policy, CBM guidelines, and relevant laws/regulations. File Management & Escalation Record loan file details (receipt date, request type, source, officer in charge) upon receipt. Request clarifications from branches/business units for missing information and return incomplete files within 3 working days if not resolved. Escalate suspicious files to Team Leader/HOD; participate in surprise unit visits as instructed. Submit vetted files to the approving authority in line with Delegation of Authority (DoA) procedures. Issue approval notifications with T&C once facility is approved by authority. Issue Facility documents such as Facility Agreement, Personal Guarantee (L12), Corporate Guarantee (CG) and credit related documents (if any). Compliance & Audit Support Provide required files, data, and support to internal and external auditors. Monitor compliance with bank policies, CBM regulations, and other legal requirements. Support Recovery & Collections team by providing information on SME files when required. Continuous Knowledge & Development Stay updated on new laws, regulations, and guidelines from CBM, ministries, and regulatory bodies affecting SME borrowers. Monitor industry/market developments to identify emerging risks relevant to SME lending. Carry out additional assignments and tasks as directed by Team Leader/HOD.
ROLE PURPOSE The Associate/ Senior Associate - Relationship Manager (Commercial Banking) plays a more advanced support role for Relationship Managers in client management, documentation, follow-ups, and operational coordination while also taking partial ownership of client-facing activities. The role contributes to reporting accuracy, process improvements, and provides guidance to junior associates to enhance team performance. KEY RESPONSIBILITIES Client Relationship Support Provide advanced support to RMs in preparing client documents, proposals, and call reports Manage and sometimes attend client meetings, site visits, and follow-up schedules Ensure accuracy and compliance in KYC/loan application document verification Maintain robust client portfolio management through accurate CRM/reporting tools tracking Admin & Team Support Prepare accurate and timely reports (pipeline tracker, onboarding list, delinquency summary) and submit directly to Team Leads Coordinate effectively with multiple departments to ensure smooth loan processing and documentation completion Oversee the organization of team meetings, schedules, and data collection to improve efficiency Guide and support junior associates, fostering collaboration and knowledge sharing within the team
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.
ROLE PURPOSE The Senior Application Support Engineer is responsible for providing technical support, issue resolution, and system monitoring for the bank’s Merchant Management System (MMS) — a critical platform used for onboarding, managing, and servicing merchants within the bank's acquiring business. The role ensures that the application operates smoothly and securely by handling incident tickets, conducting routine operational tasks, and assisting in change management and release activities. Working closely with IT teams and business users, helps maintain high system availability, performance, and compliance with internal standards. KEY RESPONSIBILITIES Incident and Operational Support Respond to and resolve Level 2 & above incidents and service requests related to the Merchant Management System and Log, track, and update incidents using ITSM tools. Perform initial analysis and troubleshooting for issues related to merchant onboarding, transactions, settlement, reporting, or system access. Support routine operations such as merchant account updates, data imports/exports, report generation. Assist in managing system interfaces with other platforms (e.g., card systems, payment gateways, CRM). Help coordinate and validate end-of-day (EOD) and start-of-day (SOD) jobs. Application Maintenance & Configuration Support minor configuration changes in applications. Apply patches or minor releases in coordination with infrastructure and development teams. Maintain system documentation and ensure configuration baselines are accurate. Change & Release and User Access Support Assist in UAT, release validation, and post-deployment checks during application updates or patch releases. Document test results, known issues, and deployment validations. Follow the bank’s change management process for tracking and approvals. Process user access requests, role assignments, and entitlement changes in the system. Ensure user access is provisioned in line with RBAC (Role-Based Access Control) and internal security policies. Support periodic access reviews and audits. Documentation & Communicate Maintain and update runbooks, SOPs, and troubleshooting guides for recurring tasks and known issues. Create and update support knowledge articles to assist L1 teams and end users. Document RCA summaries for resolved incidents. Communicate clearly with end users, merchant operations teams, and technical staff regarding issue status, expected resolution timelines, and workarounds.
ROLE PURPOSE The Point of Contact (POC) person is to serve as the operational coordination point within the Centralized Valuation Team between CVT Team Leads, External Assessors, CVT Case Owners, and Business Units/Branches, ensuring that each accepted valuation request is properly initiated, documented, assigned, coordinated for site inspection, monitored through completion, and handed over to the designated Case Owner. The POC is responsible for workflow coordination, document readiness, assessor communication, case tracking, follow-up, and document repository management, while the valuation assessment, analysis, review, and final recommendation remain the responsibility of the assigned CVT Case Owner and relevant approving authorities. KEY RESPONSIBILITIES Start the valuation workflow upon Team Lead acceptance of requests from Business Units/Branches and receive the assigned Case ID.. Create the Case ID folder and collect, organize, and maintain all required title and supporting documents for the valuation case. Submit the complete valuation package to the assigned External Assessor and coordinate site inspection arrangements with relevant stakeholders. Monitor all ongoing cases, track assessor assignment, site inspection, report status, TAT/SLA, and case aging through the CVT tracking register. Proactively follow up with individual External Assessors on pending site inspections and overdue reports, and escalate delays or issues to the Team Lead when required. Receive assessor reports, perform an administrative completeness check, and upload the reports and supporting documents into the relevant Case ID folder. Notify and hand over the complete case file to the assigned CVT Case Owner for valuation review and recommendation, and update the case status accordingly. Maintain accurate and up-to-date case records, assessor communications, follow-up history, status updates, and handover records to ensure end-to-end traceability. Maintain accurate and up-to-date valuation case records, assessor assignment records, SLA/TAT tracking, case aging, follow-up logs, report receipt records, and handover records in the designated CVT Maintain reliable operational data for SLA/TAT performance monitoring, pending/overdue case reporting, assessor performance tracking, workload monitoring, and CVT management reporting. Maintain records of approved external assessors and valuation reports. Assist in registry of transaction/listing data into internal database. Maintain External Assessor records, including contracts/agreements, engagement status, assignment history, Turnaround Time performance, responsiveness, case volume, and service issues.
ROLE PURPOSE To coordinate the end-to-end delivery and operational readiness of Agent Banking outlets, ensure timely setup and smooth commencement of operations. The role supports budget and expense coordination, procurement and asset management, operational controls, and cross-functional coordination to ensure effective and sustainable outlet operations. KEY RESPONSIBILITIES Coordinate end-to-end outlet setup and rollout following partner onboarding, including site readiness, renovation, system and process enablement, staffing readiness, and operational commencement. Coordinate operational readiness and provide interim outlet leadership support where required during new outlet launches, transitions, or staffing gaps. Coordinate asset and equipment procurement, including requirements, purchase requests, delivery, registration, and deployment with Procurement and Administration teams. Maintain and monitor outlet asset records and controls, including asset movement, custody, inventory records, and depreciation tracking in coordination with Finance and Administration teams. Coordinate outlet setup budgets and operational expenses, including budget tracking, claims, invoices, payment processing, and supporting documentation. Support operational governance and compliance monitoring at the outlet, including operational controls, incident tracking, issue escalation, and follow-up actions. Work together with Channel Management, Channel Integration, outlet teams, Anchor Branches, partners, and support functions to ensure outlet readiness, operational capability, and smooth service delivery.
ROLE PURPOSE To support the onboarding, administration, and commercial coordination of Agent Banking partners, ensuring alignment with regulatory, contractual, and Bank requirements. The role coordinates partner documentation, commercial arrangements, partner staff readiness, asset and investment records, and partner-level performance reporting to support effective partnership management and smooth Agent Banking operations. KEY RESPONSIBILITIES Coordinate partner engagement, onboarding, and ongoing administration of Agent Banking partners in accordance with regulatory and contractual requirements, Bank policies, and established procedures. Support partner onboarding and governance activities, including documentation, due diligence coordination, regulatory submissions, and implementation of agreed operating requirements. Track commercial arrangements, fee structures, commissions, and performance-based incentives in accordance with approved commercial terms. Prepare periodic partner performance and commercial analysis to support management review and business decision-making. Coordinate and track partner staff onboarding, deboarding, and training requirements to support operational readiness and compliance with Bank requirements. Maintain centralized records of partner outlet assets and investment figures to support commercial reviews, cost alignment, and partnership assessment. Maintain action trackers and issue logs and follow up with relevant stakeholders to ensure timely resolution and escalation where required. Coordinate with Channel Management, outlet teams, Anchor Branches, and partner staff to support operational readiness and smooth delivery of Agent Banking services. Work with channel management and integration teams to ensure performance targets are supported by operational capability. Support the VP – Lead, Channel Distribution & Delivery in partner reviews, planning activities, management reporting, and other Agent Banking channel initiatives as assigned.
ROLE PURPOSE The Cash Operations Department is looking for a Team lead (MTO) to manage and oversee all vehicle-related tasks that support cash operations. This includes making sure vehicles are safe, available, well maintained, and used properly for daily cash transport. This role will help ensure cash services run smoothly and on time. JOB RESPONSIBILITIES Managing and overseeing vehicle travel schedules and arrangements. Supervising and managing vehicle maintenance operations. Investigating and resolving vehicle-related incidents. Handling vehicle insurance matters and maintaining up-to-date vehicles registrations. Reviewing and verifying the travel schedule records and reports. Assist in planning and optimizing vehicle routes to improve efficiency and reduce costs.
Team Lead – Business Development သည် မိမိဘဏ်ခွဲ၏ အရောင်းလုပ်ငန်းများ အောင်မြင်စွာ တိုးတက်နိုင်ရန် ဦးဆောင်ကာ အရောင်းဝန်ထမ်းများအား လိုအပ်သော လမ်းညွှန်မှု၊ အကြံပြုမှုနှင့် ပံ့ပိုးကူညီမှုများ ပေးအပ်၍ စွမ်းဆောင်ရည်မြင့်မားသော အဖွဲ့တစ်ဖွဲ့ ဖြစ်ပေါ်လာစေရန် တာဝန်ယူဆောင်ရွက်ရမည်။ ထို့အပြင် သတ်မှတ် ထားသော Loan နှင့် Deposit Targets များအား ထိရောက်သော အရောင်းနည်းဗျူဟာများဖြင့် ပြည့်မီအောင် ဆောင်ရွက်ရမည်ဖြစ်ပြီး၊ အရည်အသွေးကောင်းမွန်သော ချေးငွေများ ရရှိစေရန် စိစစ်သုံးသပ်မှုများကို စနစ်တကျ လုပ်ဆောင်ရမည်။ ရည်မှန်းချက်များ အောင်မြင်စွာ ပြည့်မီစေရန်နှင့် ရလာဒ်ကောင်းများ ဆက်လက် ရရှိစေရန် စံပြခေါင်းဆောင်တစ်ဦးအဖြစ် တာဝန်ယူဆောင်ရွက်ကာ ဘဏ်ခွဲတာဝန်ခံ အား ထိရောက်စွာ အထောက်အကူပြုနိုင်သော ဝန်ထမ်းတစ်ဦး ဖြစ်စေရန် ရည်ရွယ်သည်။ KEY RESPONSIBILITIES မိမိဘဏ်ခွဲ၏ တည်နေရာနှင့် စျေးကွက်အခြေအနေများအပေါ် အခြေခံ၍ Customer အသစ်များ ရရှိစေရန် ဆောင်ရွက်ပြီး ဒေသတွင်း စျေးကွက်အခြေအနေများအား စဉ်ဆက်မပြတ် လေ့လာ သုံးသပ်ကာ နေ့စဉ်နှင့် အပတ်စဉ် Inbound / Outbound Sales Plan များကို စနစ်တကျ စီစဉ်တင်ပြ၍ သတ်မှတ်ထားသော Goalsများ ပြည့်မီစေရန် အရောင်းလုပ်ငန်းများကို ထိရောက်စွာ ဦးဆောင် ဆောင်ရွက်ရန်။ Customer များ၏ စီးပွားရေးလိုအပ်ချက်များနှင့် ကိုက်ညီသော အရည်အသွေးပြည့်မီသည့် ချေးငွေ ဝန်ဆောင်မှုများကို ရှင်းလင်းအကြံပြုနိုင်ပြီး ချေးငွေကောင်းများ ရရှိစေရန် Customer များ၏ လုပ်ငန်း အခြေအနေ၊ ငွေစီးဆင်းမှုနှင့် ပိုင်ဆိုင်မှုအခြေအနေများအား စနစ်တကျ စိစစ်သုံးသပ်၍ အရည်အသွေးမြင့် Customer များ ရှာဖွေရန်။ ဘဏ်သို့ ရောက်ရှိလာသော Customer များအား လက်မလွတ်စေရန် ကျွမ်းကျင်၊ ရင်းနှီးဖော်ရွေသော ဝန်ဆောင်မှုပုံစံဖြင့် Yoma Bank ၏ Products နှင့် Services များကို မိတ်ဆက်ရှင်းပြ၍ ရောင်းချနိုင်ရန်နှင့် လက်ရှိ Customer များအပြင် Customer အသစ်များကိုလည်း စဉ်ဆက်မပြတ် ရှာဖွေတိုးချဲ့ရန်။ Loan နှင့် Deposit Customer အသစ်များ ရရှိစေရန် Inbound Sales Activities များကို နေ့စဉ်ဆောင်ရွက်ခြင်းအပြင် ဒေသတွင်း စီးပွားရေးပွဲများ၊ ပြပွဲများ၊ Real Estate Services၊ Construction Companies များနှင့် ချိတ်ဆက်ကာ Outbound Sales Activities များမှတဆင့် ဘဏ်၏ Products များအား မိတ်ဆက်ပေး၍ Customer စိတ်ဝင်စားမှုနှင့် လုပ်ငန်းအခွင့်အလမ်းများ တိုးတက်စေရန်။ Customer များအား ချေးငွေပြန်လည်ပေးဆပ်နိုင်မှု၊ အတိုးနှုန်း၊ Repayment Schedule နှင့် Loan Amount များကို နားလည်သဘောပေါက်စေရန် ရှင်းလင်းပြောကြားနိုင်ပြီး တာဝန်ယူမှုရှိသော Lending Process များဖြင့် ချေးငွေကောင်းများ ဖော်ဆောင်ရန်။ Loan Process စတင်ချိန်မှ ပြန်လည်ပေးဆပ်ပြီးဆုံးချိန်အထိ Customer များနှင့် ပတ်သက်သော ဝန်ဆောင်မှုများကို မှန်ကန်ချောမွေ့စွာ ဆောင်ရွက်ပေးနိုင်ရန်နှင့် ရေရှည် Customer Relationship ကောင်းမွန်စွာ တည်ဆောက်နိုင်ရန်။ ထို့အပြင် မိမိဌာနရှိ ဝန်ထမ်းများအား တာဝန်ခွဲဝေ၍ စနစ်တကျ စီမံခန့်ခွဲ လမ်းညွှန်နိုင်ရန်။ ဘဏ်၏ Loan Policies၊ Procedures နှင့် Regulatory Guidelines များအား အပြည့်အဝ နားလည်လိုက်နာနိုင်ပြီး Customer များအားလည်း ရှင်းလင်းနားလည်စေရန် ဆောင်ရွက်နိုင်ရမည်။ Customer ကို ဝန်ဆောင်မှုပေးရာတွင် SLA (Service Level Agreement) ကိုနားလည် သဘောပေါက်ပြီး အဆိုပါ SLA (Service Level Agreement) များအတိုင်း ဆောင်ရွက်ရန်။ မိမိတာဝန်ယူဆောင်ရွက်သည့် လုပ်ငန်းတာဝန်များအပေါ် တာဝန်ယူမှုနှင့် တာဝန်ခံစိတ်အပြည့်ဖြင့် ဆောင်ရွက်နိုင်ရမည်။ Loan Insurance Requirement များအား Customer များနားလည်သဘောပေါက်စေရန် ရှင်းပြနိုင်ပြီး Insurance Renewal များ နောက်ကျမှုမရှိစေရန် စနစ်တကျ စောင့်ကြည့်ဆောင်ရွက်ရန်။ ချေးငွေအတွက် အာမခံပေးအပ်ထားသည့် အချက်အလက်များအား သေချာစွာ စနစ်တကျဖြင့် စာရွက်စာတမ်း အစုံ အလင်အား Vault ထဲတွင် Customer တစ်ဦးချင်းစီအလိုက် သိမ်းဆည်းထားရန် နှင့် Collateral Management Link ထဲတွင်လည်း အမြဲတမ်း Update ပြုလုပ်၍ လိုအပ်မှု မရှိစေဘဲ ဖြည့်စွက်ပေးရန်။ အရောင်းပိုင်း နှင့် ပတ်သက်၍ စဉ်ဆက်မပြတ် တိုးတက်ကောင်းမွန်အောင် ပြုလုပ်ရန်အတွက် နည်းလမ်းများ ရှာ ဖွေခြင်း၊ လုပ်ငန်းကျင့်ထုံးများ၊ လုပ်ထုံးလုပ်နည်းများ၊ ပြုမူလုပ်ဆောင်ပုံများနှင့် တင်ပြခြင်းများ၊ အထူးသဖြင့် အရောင်းပိုင်းနှင့် ဝန်ဆောင်မှုပေးသော အပိုင်းများတွင် ထိရောက် ကောင်းမွန်မှု ရှိစေရန်ဆောင်ရွက်ရန်။ Customer နှင့် သက်ဆိုင်သော အရေးကြီးကိစ္စရပ်များအား သက်ဆိုင်ရာ အထက်လူကြီးများထံ အချိန်မီ တင်ပြ အသိပေးနိုင်ရမည်။ Account Opening Process များအား KYC / CDD Requirements နှင့် Account Opening SOP များ အတိုင်း စနစ်တကျ စိစစ်ဆောင်ရွက်နိုင်ရမည်။ စွမ်းဆောင်ရည်မြင့်မားသော Branch Operations Team တစ်ခု ဖြစ်ပေါ်လာစေရန် ကောင်းမွန်သော အကြံပြုချက်များ၊ လမ်းညွှန်မှုများနှင့် ပံ့ပိုးမှုများ ပေးနိုင်ရမည်။ ဘဏ်၏ Vision, Mission & Values များအား ကောင်းစွာ နားလည်သဘောပေါက်ပြီး ဘဏ်ခွဲရှိ အရောင်းဝန်ထမ်းများအားလည်း ရှင်းလင်းစွာ မျှဝေသင်ကြားပေးနိုင်ရန်နှင့် ဝန်ထမ်းများ၏ စိတ်အားထက်သန်မှု၊ ပူးပေါင်းပါဝင်မှုများ တိုးတက်စေရန် လှုံ့ဆော်ပံ့ပိုးပေးနိုင်ရမည်။