Team 13 (VAC)
Job Overview
Job Location: Kyauktada Township
Type of Business/Product: Microfinance Industry
Gender: Male/Female (1)
Job Ref No.: 13P2767
Salary: 1,200,000/- Kyats
Job Requirements
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field
- Minimum 5 – 8 years of experience in Microfinance, Banking, or Credit Risk Management
- Proven experience in credit analysis, and credit policy implementation
- Prior experience as an Assistant Credit Manager, Senior Credit Analyst/Assistant Risk Manager preferred
- Experience working with lending, SME, or microfinance portfolios is an advantage Skills & Competencies
- Strong understanding of microfinance credit methodologies and risk management
- Excellent analytical and problem-solving skills
- Ability to translate policy into practical, field-friendly processes
- Strong leadership, coaching, and communication skills
- High integrity, independence, and sound judgement
- Strong excel and data analysis skills; experience supporting automation initiatives is an advantage
- Ability to work collaboratively with Operations, IT/Data, HR
Job Descriptions
- Review, enhance, and enforce credit policies, procedures, and credit appraisal standards.
- Ensure all loan approvals comply with internal credit policy and regulatory requirements.
- Recommend revisions to credit manuals based on portfolio performance and field realities.
- Oversee credit analysis conducted by CAOs and other credit staff.
- Review complex or high-risk loan cases and provide recommendations.
- Support Branch Managers, Regional Managers, and Operations in credit decision-making.
- Ensure consistency and fairness in credit approvals across branches.
- Lead initiatives to simplify and standardize the credit assessment process.
- Work with the Data Analyst to design Excel-based tools, scoring models, or risk-flag systems to support CAOs.
- Reduce manual workload while improving data accuracy, speed, and consistency.
- Support gradual automation of credit workflows without compromising control.
- Train and mentor CAOs, Loan Officers
- Credit analysis techniques
- Provide on-the-job coaching and feedback to strengthen credit discipline.
- Support operations during peak periods (e.g., agricultural season).
- Prepare regular credit and risk reports for Management.
- Present insights on credit trends, operational bottlenecks, and improvement areas.
- Provide practical, data-based recommendations for decision-making.
- Conduct branch visits and field checks to validate credit processes and assessments.
- Review consistency between field observations and credit fil documentation.
- Support audits and special credit reviews when required.
Working Hours: 8:30AM – 5:30PM
Holidays: Saturday & Sunday, Public Holidays
Benefits: Transportation will be provided
How to Apply: Please email to cv@vacjobsearch.com with your Microsoft Word CV file and job title and job ref no. in the subject line.
Hotline: 01-8395913,09-765395913
Job Detail
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Offerd Salary1,000,000 - 1,500,000 MMK
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Career LevelMid-level Management
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Experience5 Years
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GenderBoth
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INDUSTRYBank / Microfinance
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QualificationBachelor