Job holder ensures full delivery of the objectives of the Credit Risk Function. Job holder is also responsible for supporting the banks strategies and initiatives to provide an effective and engaging digital customer on boarding experience, expand the agent and merchant networks, and drive the usage of mobile and digital applications, in order to achieve economic and social development in Myanmar through nation-wide financial inclusion.

• Evaluate Business Credit Applications/Memorandums
  raised by Relationship Managers in the Commercial Banking
  Value Centre and contribute constructive suggestions to
  develop a fully informed and well-balanced representation of
  the case to facilitate decision making by the Approving
  Authority.
• Write the Executive Summary embodying the independent
  credit evaluation, including risk mitigation measures where
  found wanting for support of the business case and varying the request where justifiable. Or decline the request with justification where the risk is deemed not bankable.
• Conduct joint customer visit with the Relationship Manager
  and contribute to the discussion with the view to achieving
  the objectives of the customer visit.
• Carry out verification, validation and authentication of
  information and documents provided by the Relationship
  Manager and the customer to ensure that the facts are
  accurate, reliable and true.
• Liaise closely with the Value Centre General Managers of
  all Value Centers of the Bank, irrespective of whether they
  are lending units or otherwise, to fully understand their
  operations and how they impact on credit risk function.
• Liaise closely with the Bank's in-house Legal and
  Compliance Team to fully understand the legal aspects
  impacting on the extension of credit and securing
  documentation.
• Assist the Head, Credit Function in implementing the Early
  Alert process for monitoring and tracking of credit exposures.
• Liaise closely with the Team Leader, Credit Control and
  Recovery to share first-hand experience of credit concerns
  about the Banks borrowing customers.
• Implement any other duties assigned by the Head, Credit
  Function.
• Provide support to the VCGMs and other Function Heads
  to facilitate and drive KBZs strategy of achieving nation-wide
  financial inclusion.
  

Job Requirements

• At least 3-5 years in the role in banking/business in the private sector.
  
• Bachelors Degree    in Business Studies, Banking, Economics, Accounting or related field.
• Good command in English Prior experience in a multinational and
  culturally diverse environment is an added advantage.
  

WHO WE ARE

Since 2017, KBZ Bank has undergone a significant transformation to become Myanmar's leading digital and mobile-first bank. Our initiatives have included restructuring leadership, enhancing risk management, and improving transparency. Notably, we launched KBZPay in 2018, a mobile wallet now serving over 10 million users, greatly expanding financial inclusion. Recognized for our governance and inclusion efforts, we continue to drive growth and accessibility in Myanmar's banking sector.

WHAT'S IN IT FOR YOU:

• Rapid growth opportunities with a steep learning curve.
• A dynamic and challenging work environment in the banking sector.
• Commitment to your personal and professional development.
• A diverse and international team fostering inclusion.
• Engaging in company and team events.
• Immediate responsibility and impact in a fast-evolving global bank.
• Comprehensive benefits include health insurance and ongoing learning and development opportunities.