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Vacancies

- Conducting customer due diligence and Environmental Social Risk (ESR) assessment for all credit programs in accordance with international standards, including IFC Performance Standards, EBRD E&S Policy, etc.
- Monitor ESR for medium- and high-risk borrowers.
- Monitoring the performance of projects in high-risk sectors, carrying out a visit to borrower locations. 
- Collaborate with relevant departments of the Bank to ensure effective ESR management
- Develop and periodically review internal legal acts related to ESR risks, ensuring alignment with current requirements 
- Organize trainings for staff involved in ESR management on methods and tools
- Prepare reports related to the customer portfolio 

Job Responsibilities:

- Higher education in environmental science, sustainable development, environmental engineering, social sciences, or related fields
- At least 1 year of work experience in environmental and social risk management
- Professional experience with international standards and their application in credit programs
- Excellent knowledge of Armenian, good knowledge of Russian and English
- Analytical thinking, high sense of responsibility, proactive and flexible approach
- Excellent command of MS Office, especia

Necessary requirements:

Assessment and monitoring of environmental and social risks of the credit portfolio in accordance with RA legislation and the Bank's internal procedures, preparation of reports, development of relevant methodologies

Environmental and Social Risk Management Specialist

We are looking for an experienced, responsible, and goal-oriented Leader to manage our Distance Customer Support team and ensure high-quality support across all major service channels, including:
- Phone support
- Written communication (mobile banking app messages, online chat, email correspondence)
- Social media platforms and other digital solutions
The Leader will be responsible for organizing efficient workflows, monitoring service quality, and driving continuous improvement.


Job description

- Lead and optimize the customer support team’s performance across multiple service platforms by effectively organizing and streamlining workflows
- Provide daily guidance, continuous coaching, mentoring, and training to team members, aiming for ongoing skill development and high team and individual performance
- Monitor and evaluate KPIs to ensure timely and efficient achievement of team and individual goals, while maintaining excellent service quality
- Assign and clarify tasks and responsibilities, balancing resource allocation and maximizing team productivity
- Actively improve and automate service processes by implementing innovative technological solutions and best practices to enhance customer satisfaction
- Collaborate closely with internal teams (IT, product, marketing, business development) and external vendors to expand platform functionality and improve service quality
- Participate in the effective and prompt resolution of complex and escalated cases, ensuring high customer satisfaction and protecting the bank’s reputation
- Define and develop cross-selling strategies as a critical factor for team performance and business growth
- Continuously improve team engagement, motivation, and work quality by fostering an open, supportive, and collaborative work environment.

Job responsibilities

- Minimum 3 years of experience in customer service, including at least 1 year in a leadership or team lead role
- Strong leadership skills, including team development, problem-solving, change management, and conflict resolution capabilities
- Technical literacy and proven ability to collaborate effectively with technical teams
- High responsibility, process orientation, and a strong customer service mindset
- Experience with CRM systems, chatbots, or AI solutions is a plus
- Advanced Excel skills (for data analysis); knowledge of SQL is a strong advantage
- Excellent command of Armenian, Russian and English (mandatory).

Necessary requirements

Coordination, effective organization and management of the customer support center.

Customer Support Center Head

- Implementation of various payments and quick money transfer service in the AS-Bank system (for individuals and legal entities)
- Recommendations on banking services (loans included), conducting ACRA inquiries
- Provision of statements/references
- Formulation of money claim/surplus return from the main cash desk to other cash desks
- Acceptance of loan applications (consumer unsecured loan, credit line, loan secured with primary collateral), provision of loan and collateral in compliance with established templates, compilation of loan packages
- Implementation of established monthly sales plans
- Participating in the process of charging and discharging ATMs and assurance of program compilation  in the absence of the department head.
- Bank-Customer system service

- Higher education, preferably in the sphere of finance and/or economics
- Knowledge of banking and operations, banking legislation
- Working experience with cash is desirable
- Communication skills
- Teamwork ability
- Ability to work under fixed defined deadlines
- The ability to quickly orientate in conflict situations
- Good knowledge of Microsoft Office, knowledge of AS-Bank system is desirable
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable

Required qualifications

 Work schedule 

Identification of customers’ needs, direct and cross sales, provision of fast and quality service.

Service Clerk | «Kentron» Branch

Working hours:

- Providing consultation to current and potential customers regarding the services and products offered by the Bank
- Providing technical support regarding systems available to customers
- Conducting cross-selling through inbound calls
- Conducting outbound phone calls for sales promotion purposes to different target groups, as well as based on predefined lists, depending on the company's other needs
- Identifying customer issues, resolving them promptly, as well as transferring information regarding raised and unresolved matters to the relevant departments or direct supervisor
- Accepting customer complaints and suggestions received via phone calls and forwarding them to the employee responsible for handling requests and complaints
- Performing other ongoing tasks at the call cente

- Higher education
- 1 year of work experience in customer service
- Knowledge of the legislation regulating banking activities
- Computer skills: Microsoft Office, AS Bank System
- Excellent communication and interpersonal skills
- Ability to work in a dynamic, fast-paced environment
- Teamwork ability
- Excellent knowledge of Armenian
- Good knowledge of Russian or English

Informational calls support to current and potential Bank customers, correspondence via social media and other online platforms. Conducting outbound phone calls for sales promotion purposes.

Call Center Specialist

- Build an maintain strong relationbships with global, regional and domestic banks, multilateral institutions and other FI
- Expand and strengthen correspondent banking network for key currencies and trade corridors 
- Source and negotiate credit lines, bilateral loans, and other funding from FI partners
- Ensure access to diverse clearing arrangements, funding sources and market infrastructure
- Represent the bank in FI-related negotiations, industry forums and bilateral meetings 
- Support ALM/BSM team in diversifying funding mix and optimizing liquidity
- Maintain and enhance FI support for trade finance flows
- Maintain up-to-date FI due diligence and oboarding documentation 
- Work closely with ALM/BSM, Compliance and Operations to ensure smooth end-to-end delivery of FI related initiatives  
- Ensure operational efficiency and compliance in cross-border payment channels
- Lead the FIG team to deliver professional relationship management and execution

- Higher education in the field of economics, management or finance
- 5+ years of work experience in financial banking system, with a strong understanding of Financial Institutions (e.g., banks, IFIs).
- Excellent knowledge of MS Office
- Excellent communication and stakeholder management skills.
- Ability to influence and challenge senior leaders with data-driven insights.
- Ability to lead a small team, driving high performance and alignment with Bank strategy.
- Ability to negotiate and collaborate with departments
- Excellent knowledge of Armenian, Russian and English

 Necessary requirements

Lead and grow the Bank’s relationships with domestic and international financial institutions to manage correspondent banking arrangements and support the Bank’s liquidity, trade finance and capital market activity. 

Head of International Relations and Operations Service

- Execution of the necessary agreements related to the financing instruments provided within the Bank’s system (loan, credit line, overdraft, bank guarantee, financial lease (leasing), financing against assignment of monetary claim (factoring)), including their formalization, notarization, and state registration of the resulting rights,
- Organization of state registration of pledged assets, including the imposition of encumbrances,
- Execution of release procedures for collateral securing repaid loans and/or in accordance with a decision made by the Bank’s authorized body,
- Provision of relevant consents regarding collateral securing loans, based on decisions of the Bank's Executive Board or positive conclusions issued by the relevant departments,
- Formalization of adjustment, modification, and assignment of clients’ obligations.

- Higher education in economics, law, or engineering
- At least one year of work experience in the financial-banking sector
- Knowledge of banking regulations and related legislation
- Leadership skills
- Communication skills
- Time management
- Analytical thinking
- Proficiency in MS Office and Mulberry 
- Excellent command of Armenian
- Basic knowledge of Russian or English

Formalization of clients' credit operations and their collateral in accordance with the RA law and the Bank's internal procedures.

Specialist of Centralized Credit Operations Unit

- Carry out a gold appraisal
- Application entry to the program to provide gold secured loan to a client
- Cross-sell of other products
- Formulate and collect the gold collateralized loan package
- Carry out the verbal and written assignments of the branch manager
- Submit recommendations to the branch manager regarding current working process

- Knowledge of jewelery and relevant qualifications 
- At least one year of work experience 
- Proficiency in the Armenian language 
- Knowledge of the Russian language 
- Computer knowledge

Jeweler | Yerevan branch network

- Identifying, assessing, managing and ensuring appropriate circulation of risks related to the provision of the main legal and supervisory requirements related to the Bank's activities.
- Monitoring of changes in legislative and sub-legislative acts related to the Bank's activities, assessment of possible risks.
- Identifying compliance gaps and violations in the Bank’s operations, including analysis of risk sources, and implement preventive measures as needed.
- Promoting and supporting ethical and corporate culture in the Bank.
- Ensure effective implementation and regular monitoring of procedures and control mechanisms in key areas of legal, regulatory, and ethical obligations. 
- Providing advice on ensuring compliance to other departments of the Bank, drafting conclusions.
- Participate in the development and implementation of the Bank’s annual compliance program.
- Organization of seminars, discussions and trainings on compliance.
- Drafting of internal reports.

Key Responsibilities:

- Higher education in Economics or Law.
- Minimum 3 years of experience in the banking sector. 
- Knowledge of the legislation regulating banking activities.
- Knowledge of internal control systems.
- Qualification in compliance will be considered an advantage.
- High sense of responsibility. 
- Strategic thinking. 
- Excellent command of Armenian (written and spoken), excellent knowledge of Russian and/or English.

Requirements։

Implementation of the compliance function in the Bank in accordance with legislative requirements, and promotion and maintenance of a corporate compliance culture.

Chief Compliance Assurance Specialist/ Chief Compliance Specialist

- Welcoming customers of the branch
- Provision of advice on banking products and services
- Fast customer service (acceptance of utility payments, loan repayments of individuals, etc.) via appropriate payment terminals in the branch
- Sales and activation of Internet and Mobile banking systems
- Implementation of the process of issuing plastic cards to customers
- Implementation of the general administration of the service hall
- Execution of monthly sales plans

Work responsibilities

- Higher Education
- Knowledge of banking
- Advanced customer service skills
- Communication skills
- Teamwork ability
- Knowledge of business rules ethics 
- Conflict resolution skills
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable

Meets customers, identifies requirements and directs them in the branch, providing fast and quality service.

Hall Administrator | «Masis» Branch

- Manage and maintain all database environments built on MS SQL Server and PostgreSQL.
- Design, implement, and optimize database solutions for high availability and performance.
- Develop, test, and deploy data models, schemas, stored procedures, and performance tuning strategies.
- Monitor database systems, analyze performance metrics, and troubleshoot any issues.
- Lead database version upgrades, migrations, and patch management activities.
- Collaborate with cross-functional teams to support business and IT project requirements.
- Ensure database security, backup, recovery, and disaster recovery planning.
- Provide guidance to the database team and engineering teams.
- Work with OLAP systems and complex analytical data processing environments.

Responsibilities

- Bachelor’s or Master’s degree in IT, Computer Science, or related field.
- Proven experience as a Database Administrator (5+ years), with significant experience in MS SQL Server and PostgreSQL administration.
- Strong knowledge of database design, data modeling, query optimization, and performance tuning.
- Experience with high-availability architectures, backup and recovery strategies, and disaster recovery planning.
- Hands-on experience with OLAP, data warehousing, and analytical database solutions.
- Familiarity with automation tools and scripting languages (PowerShell, Bash, Python, etc.).
- Excellent problem-solving and analytical skills.
- Strong leadership, communication, and collaboration abilities.
- Proficiency in Armenian, Russian. English is a plus. 

Requirements

Amio Bank is in search of a Lead Database Administrator to manage and optimize MS SQL Server and PostgreSQL systems, ensuring performance, security, and availability while supporting business goals and compliance.

Lead Database Administrator

- Software setup for newly installed ATMs and POS terminals
- Technical and software maintenance of ATMs and POS terminals
- Performing preventive checks
- Online monitoring of ATMs and POS terminals
- Participation in the ATM cash loading/ unloading process
- Retrieval of an ATM- captured card/ Withdrawal of a confiscated cards

- Higher education in technical, mathematical or economic fields
- Two years of experience in the banking system 
- At least 1 year of ATM experience 
- Communication skills 
- Proficiency in MS Office
- Excellent command of Armenian
- Good knowledge of Russian and English

Ensuring the uninterrupted operation of ATMs, prophylaxis, loading/unloading cash.

Chief Specialist of ATM and POS  Service Unit.

- Higher education, preferably in the sphere of finance and/or economics
- One year of work experience in the banking sector
- Knowledge of banking and operations, banking legislation
- Working experience with cash is desirable
- Communication skills
- Teamwork ability
- Ability to work under fixed defined deadlines
- The ability to quickly orientate in conflict situations
- Good knowledge of Microsoft Office, knowledge of AS-Bank system is desirable
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable

Service Clerk at Customer Service and Cash Operations Unit

Working hours

- Providing consultation to current and potential customers regarding the services and products offered by the Bank
- Providing technical support regarding systems available to customers
- Conducting cross-selling through inbound calls
- Conducting outbound phone calls for sales promotion purposes to different target groups, as well as based on predefined lists, depending on the company's other needs
- Identifying customer issues, resolving them promptly, as well as transferring information regarding raised and unresolved matters to the relevant departments or direct supervisor
- Accepting customer complaints and suggestions received via phone calls and forwarding them to the employee responsible for handling requests and complaints
- Performing other ongoing tasks at the call center



- Higher education
- 1 year of work experience in customer service
- Knowledge of the legislation regulating banking activities
- Computer skills: Microsoft Office, AS Bank System
- Excellent communication and interpersonal skills
- Ability to work in a dynamic, fast-paced environment
- Teamwork ability
- Excellent knowledge of Armenian
- Good knowledge of Russian or English



- Organization, coordination and control of current working process of branch employees, ensuring their efficiency and continuity
- Execution of the branch's business plan, portfolios, sales and other plans, in particular: the involvement of payroll projects, conducting presentations, organizing basic, cross and telephone sales
- Conducting performance analysis of actual and expected sales on a weekly basis, taking action to meet sales plans
- Participation in ATM charging and discharging process, providing software approval
- Supervision of the official duties fulfillment, working process and discipline performance by employees of the branch
- Submission of proposals on branch issues
- Participation in the opening and closing processes of the vault

- Higher education
- At least two years of work experience in the financial and banking system
- Knowledge of financial analysis 
- Knowledge of banking legislation 
- Leadership skills
- Communication skills
- Excellent command of the Armenian language
- Knowledge of Russian and/or English languages

  Organization and coordination of branch activities.

  Branch Manager | Yerevan Branch Network  

- Problematic loans accounting and data entry on current statuses into the Bank's register of problematic loans
- Problematic loans accounting and recording information on current statuses in the Bank's registry of problematic loans
- Preparation, sending, recording and storage of written notices to be sent to customers notifying proper fulfillment of loan obligations and the Bank's imposition of extrajudicial foreclosure on the property that is the subject of collateral
- Customer service and technical support to ensure proper performance of problematic loan obligations
- Identifying issues with borrowers that hinder or delay loan repayment and submission of relevant proposals to the head of the service 
- Analysis of problem loans, submission of recommendations
- Collection and analysis of information on problematic borrowers
- Performing other assignments by the immediate supervisor

- Higher economic and/or legal education
- At least 3 years of work experience in the banking system, 2 of which in the field of lending and/or credit risk assessment and/or loan recovery
- Negotiation skills, information and financial analysis skills, mastery of creditworthiness assessment models
- Skills of financial indicators analysis of legal entities
- Knowledge of legislation regulating banking activities
- Proficiency in Ms Office, AS Bank system
- Excellent command of oral and written Armenian language
- Knowledge of Russian and/or English languages

Implementation of works aimed at the recovery of problematic corporate assets of the Bank.

 Leading specialist of Corporate Distressed Assets Recovery Unit

- Providing proper service to non-resident VIP customers in accordance with high standards in Russian and English. 
- Collection, identification (KYC), verification, entry of necessary documents of customers in the appropriate system 
- Opening and maintenance of customer accounts and cards, implementation of settlement operations, 
- Identifying customer needs, attracting new customers
- Implementation of non-cash transactions,
- Remote service for customers already registered online.
- Phone and email answering skills.

 Job responsibilities

- Higher education
- Knowledge of banking Services and Products
- Knowledge of banking legislation
- At least 1 year banking experience in customer service
- Document management skills
- Data Entry Skills
- Digital/Mathematical literacy
- Detail oriented skills, ability to organize work correctly.
- Ability to work in a team
- Knowledge of AS
- Computer skills
- Excellent knowledge of Armenian, Russian and English

Non-Resident Customer Service Manager 

- Conducting preliminary negotiations with corporate clients to organize their service at the Bank, to use banking tools
- Carrying out visits to the business activity place of corporate clients with the purpose of having a preliminary opinion on the financial and economic state, activities and the opportunities to make use of services offered by the Bank,
- Sales of banking products to existing corporate customers,
- Conduction and compilation of the reporting system,
- Analysis of the possibility of serving corporate customers on individual terms,
- Recommendation on current service issues for corporate clients.

- Higher Education,
- At least two years of experience in the banking system,
- Knowledge of banking legislation,
- Knowledge of macroeconomic basics
- Knowledge of Microsoft Office, AS banking system,
- Effective communication skills,
- Negotiation skills,
- Command of Armenian, Russian or English languages.

Attracting corporate customers and selling products (services) of corporate business.

Chief specialist of Corporate Business Sales Unit

- Ensuring the processes of file exchange and acceptance
- Management of local and international appeal processes, along with the corresponding official correspondence and reports arising from them
- Providing proper consultation to the service staff
- Managing the process of creating, editing, and registering intervals for card standards and billing schemes
- Coordination of the issued cards recording and their distribution by branches
- Verification and processing of invoices received from payment and settlement systems
- Submission of relevant reports in the system to the Central Bank of Armenia, other Bank divisions, and all payment and settlement systems
- Ensuring the review of card application forms and their timely processing within the established deadlines



- Higher education in economics, mathematics, or related fields 
- At least 3 years of working experience with payment cards
- Knowledge of legislation governing the operation of card payment systems
- Good command of Ms Office, Smart Vista, AS-Bank systems
- Management experience will be considered an advantage
- Excellent command of spoken and written Armenian language
- Good knowledge of Russian and English languages


The management of remote card servicing processes and the timely submission of reports are ensured.

Head of Remote Card Servicing and Reporting Unit

- Implementation of various payments and fast money transfer service in AS-Bank system (for individuals and legal entities)
- Recommendations on banking services (including loans), implementation of ACRA inquiries
- Provision of statements/references
- Formulation of money claim/excess refund from main cash desk to other cash desks
- Acceptance of loan applications (consumer unsecured loan, credit line, loan with primary collateral), formulation of loan and collateral in accordance with established templates, collection of loan packages
- Implementation of defined monthly sales plans
- Participating in the process of charging and discharging ATMs and, in the absence of the head of the department, providing program formulation
- Service of the Bank-Customer system



- Higher education, preferably in finance and/or economics
- Knowledge of banking and operations, banking legislation
- Working experience with cash is desirable
- Communication skills
- Teamwork ability
- Ability to work under well-defined deadlines
- Ability to navigate quickly in conflict situations
- Good knowledge of Microsoft Office, knowledge of AS-Bank system is desirable
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable



Performs identification of customer requirements, direct and cross-selling, fast and quality service.

Service Clerk at Customer Service and Cash Operations Unit | Vanadzor Branch  

- Software setup for newly installed ATMs and POS terminals
- Technical and software maintenance of ATMs and POS terminals
- Performing preventive checks
- Online monitoring of ATMs and POS terminals
- Participation in the ATM cash loading process
- Receiving and sending confiscated cards from the ARCA processing center


- Higher education in technical, mathematical, or economic fields
- Two years of experience in the banking system is desirable
- Experience working with ATMs will be considered an advantage
- Communication skills
- Problem-solving skills
- Proficiency in MS Office
- Excellent command of Armenian
- Good knowledge of Russian and English


Ensuring the uninterrupted operation of ATMs, loading/unloading cash.

Specialist in ATM and POS Terminal Maintenance Department

- Compilation and submission of claims, applications within the terms and in the order prescribed by the Bank's internal legal acts
- Be enrolled and participate in person in judicial proceedings at courts 
- Preparation and presentation of necessary motions, responses, objections, applications and other procedural documents within the examination of cases
- Conclusion of settlement agreements, execution of accounting control in the scope of judicial process 
- Preparation and submission of appellate and cassation appeals, responses
- Submission of applications for issuance of writs of execution, as well as control over whether or not they are sent to the enforcement service by the courts
- Submission of proposals aimed at solving cases in proceedings
- Maintenance of relevant files for pending court cases
- Compilation of reports regarding service functions 
- Observing and fulfilling the requirements and duties defined by the relevant internal legal acts of the Bank’s functions 
- Performance of the requirements and duties defined by the relevant internal legal acts of the Bank 
- Temporary performance of the main functions of any employee of the Service if needed
- Performance of other functions of the Service  
- Execution of written and oral assignments of the supervisor of the Legal department and the head of the Service

- Higher legal education
- At least 1 year of relevant work experience in the banking system
- At least 1 year relevant work experience with court
- Knowledge of banking legislation 
- Ability of legal analysis
- Excellent oral and written command of the Armenian language
- Knowledge of Russian and/or English 
- Knowledge of Ms Office

Ensuring Service daily work, execution of supervisor’s other assignments.

Court Service Leading specialist of Legal Department

- Attraction of retail loan, card, and small business clients, identification of their needs, direct and cross-sales using templates in the AS-Bank system,
- Acceptance of loan applications, loan and collateral processing in the AS-Bank system, preparation of loan disbursement orders, and compilation of loan packages,
- Opening, reissuing, and closing of plastic cards,
- Conducting presentations to attract clients and payroll projects, participation in BTL campaigns and “Bank at the Workplace” events organized by the Bank,
- Organization and execution of loan transactions with legal entities and individuals,
- Fulfillment of monthly sales plans.

- Higher education, preferably in finance, accounting, or economics,
- One year of work experience as a credit specialist in the financial banking or related sectors,
- Knowledge of banking operations and transactions, as well as legislation regulating banking activities,
- Analytical thinking,
- Communication skills,
- Teamwork ability, 
- Ability to work within clearly defined deadlines,
- Ability to make quick decisions and navigate challenging situations,
- Good knowledge of Microsoft Office; knowledge of the AS-Bank system is desirable,
- Excellent command of Armenian; good knowledge of English and Russian is desirable.

Implement direct and cross-sales of banking products, including the acquisition of payroll projects and providing high-quality service.

Financial advisor | Yerevan branches

- Implementation of various payments and fast money transfer service in AS-Bank system (for individuals and legal entities)
- Recommendations on banking services (including loans), implementation of ACRA inquiries
- Provision of statements/references
- Formulation of money claim/excess refund from main cash desk to other cash desks
- Acceptance of loan applications (consumer unsecured loan, credit line, loan with primary collateral), formulation of loan and collateral in accordance with established templates, collection of loan packages
- Implementation of defined monthly sales plans
- Participating in the process of charging and discharging ATMs and, in the absence of the head of the department, providing program formulation
- Service of the Bank-Customer system

- Higher education, preferably in finance and/or economics
- Knowledge of banking and operations, banking legislation
- Working experience with cash is desirable
- Communication skills
- Teamwork ability
- Ability to work under well-defined deadlines
- Ability to navigate quickly in conflict situations
- Good knowledge of Microsoft Office, knowledge of AS-Bank system is desirable
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable

Performs identification of customer requirements, direct and cross-selling, fast and quality service

Service Clerk at Customer Service and Cash Operations Unit | Ijevan Branch

- Attraction of retail loan, card, and small business clients, identification of their needs, direct and cross-sales using templates in the AS-Bank system
- Acceptance of loan applications, loan and collateral processing in the AS-Bank system, preparation of loan disbursement orders, and compilation of loan packages
- Opening, reissuing, and closing of plastic cards
- Conducting presentations to attract clients and payroll projects, participation in BTL campaigns and “Bank at the Workplace” events organized by the Bank
- Organization and execution of loan transactions with legal entities and individuals
- Fulfillment of monthly sales plans

- Higher education, preferably in finance, accounting, or economics
- One year of work experience as a credit specialist in the financial banking or related sectors
- Knowledge of banking operations and transactions, as well as legislation regulating banking activities
- Analytical thinking
- Communication skills
- Teamwork ability
- Ability to work within clearly defined deadlines
- Ability to make quick decisions and navigate challenging situations
- Good knowledge of Microsoft Office; knowledge of the AS-Bank system is desirable
- Excellent command of Armenian; good knowledge of English and Russian is desirable

Implement direct and cross-sales of banking products, including the acquisition of payroll projects and providing high-quality service

Financial advisor | “Hrazdan” branch 

Working hours: night/day shifts

- Providing consultation to current and potential customers regarding the services and products offered by the Bank
- Providing technical support regarding systems available to customers
- Conducting cross-selling through inbound calls
- Conducting outbound phone calls for sales promotion purposes to different target groups, as well as based on predefined lists, depending on the company's other needs
- Identifying customer issues, resolving them promptly, as well as transferring information regarding raised and unresolved matters to the relevant departments or direct supervisor
- Accepting customer complaints and suggestions received via phone calls and forwarding them to the employee responsible for handling requests and complaints
- Performing other ongoing tasks at the call center


- Higher education
- 1 year of work experience in customer service
- Knowledge of the legislation regulating banking activities
- Computer skills: Microsoft Office, AS Bank System
- Excellent communication and interpersonal skills
- Ability to work in a dynamic, fast-paced environment
- Teamwork ability
- Excellent knowledge of Armenian
- Good knowledge of Russian or English


We’re seeking a dynamic and strategic leader to serve as Head of Retail Business—a key executive role responsible for overseeing the bank’s retail operations across branches and digital channels. This individual will drive retail strategy, enhance service delivery, grow the customer base, and ensure high performance across the retail portfolio.

- Develop and execute Amio Bank’s comprehensive retail strategy—including branch banking, digital channels, deposits, loans, and other retail services
- Drive growth in retail liabilities and assets while maintaining a diversified, risk-conscious portfolio
- Lead retail transformation through digitization, innovation, and data-driven decision-making
- Elevate the customer experience across all touchpoints: branches, mobile and internet banking, and call centers
- Monitor and manage performance through KPIs, dashboards, and team accountability
- Ensure full compliance with regulatory requirements and internal controls across all retail activities
- Collaborate cross-functionally with marketing, product, credit, and technology teams to deliver integrated solutions
- Build and lead high-performing, customer-focused retail teams across a nationwide branch network
- Analyze market trends, customer insights, and competitive landscape to proactively shape strategies
- Manage the retail banking budget and contribute to the bank’s overall profitability


Key Responsibilities

- Master’s degree in Finance, Business, Economics, or a related field 
- 10 years of progressive experience in banking, with at least 5 years in a senior retail leadership role
- Proven track record in leading multi-branch operations and digital retail platforms
- Deep expertise in retail banking products, customer segmentation, and service delivery models
- Experience in digital transformation, process improvement, and fintech partnerships is a strong plus
- Sound knowledge of regulatory frameworks and retail risk management practices


Qualifications & Experience

- **Strategic Thinking & Execution** – ability to align retail operations with organizational goals
- **Leadership & Team Development** – proven skills in coaching and growing leaders at scale
- **Customer-Centric Mindset** – passion for delivering superior service and customer satisfaction
- **Operational Excellence** – discipline in driving results, setting KPIs, and optimizing performance
- **Change Management** – experience leading transformation initiatives and cultural change
- **Financial & Business Acumen** – strong command of P&L management and budgetary control
- **Compliance & Risk Awareness** – solid understanding of regulatory compliance in a retail context
- **Proactive & Results-Driven** – ability to own outcomes and deliver measurable impact


Key Competencies & Traits

Amio bank is reshaping retail banking in Armenia with a sharp focus on customer excellence, digital innovation, and sustainable growth. 

Head of retail business 

- Preparation and submission of applications for declaring bankruptcy and registering claims in the bankruptcy court; study and analysis of problematic bankruptcy case files, judicial acts and letters received from the court, letters and other documents submitted by bankruptcy trustees, correspondence and information received regarding procedural actions; and based on this, representation of the Bank’s interests in the bankruptcy court, as well as in the civil appellate and cassation courts, in accordance with the legislation of the Republic of Armenia and the Bank’s internal legal act,
- Participation in bankruptcy or forced auctions and acquisition of assets, state registration of property rights,
- Study, analysis, clarification, proposal, opinion, and drafting of conclusions on legal documents, including procedural ones — response to a claim, objections, position, counterclaim or security, appeal, and so on.

- Higher legal education
- At least 2 years of professional experience in bankruptcy cases
- Experience in working in the banking system in the specified areas will be considered an advantage
- Having a license as a lawyer, judicial officer, or bankruptcy trustee, or any work experience in the specified areas will be considered an advantage
- Good knowledge of the legislation of the Republic of Armenia, the Civil Code of the Republic of Armenia, the Civil Procedure Code of the Republic of Armenia, the Law of the Republic of Armenia "On Bankruptcy", the Law of the Republic of Armenia "On Public Auctions", laws regulating banking activities, and other legal acts.
- Good knowledge of the fundamentals of office administration
- Proficiency in internet use, computer skills, and MS Office
- Knowledge of AS-Bank 4.0 system will be considered an advantage
- Excellent command of both spoken and written Armenian


Ensuring the legal processes for the fulfillment of customer obligations related to problematic loans.

Chief specialist of Bankruptcy Case Distressed Assets Recovery Unit

- Conducting preliminary negotiations with corporate clients to organize their service at the Bank, to use banking tools
- Carrying out visits to the business activity place of corporate clients with the purpose of having a preliminary opinion on the financial and economic state, activities and the opportunities to make use of services offered by the Bank
- Sales of banking products to existing corporate customers
- Conduction and compilation of the reporting system
- Analysis of the possibility of serving corporate customers on individual terms
- Recommendation on current service issues for corporate clients

- Higher Education
- At least two years of experience in the banking system
- Knowledge of banking legislation
- Knowledge of macroeconomic basics
- Knowledge of Microsoft Office, AS banking system
- Effective communication skills
- Negotiation skills
- Command of Armenian, Russian or English languages

- Continuous monitoring and localization of the applicable national and international laws and regulations,
- Regular work on current RA and international laws and regulations and assessment of their impact on the Bank's activities,
- Development and maintenance of internal policies and procedures to ensure compliance with regulatory legislative requirements,
- Ensuring the effective implementation of internal legal acts requirements within the Bank,
- Identification, assessment, continuous and periodic monitoring of compliance risks,
- Regular risk assessments and implementation of control measures towards managing identified risks,
- Providing continuous training programs for employees to ensure that regulatory requirements and internal legal acts are effectively and accessibly available and comprehensible to the Bank's staff,
- Ensuring regular updates to the Bank's staff regarding changes in laws and regulations,
- Regular compliance audits and testing to identify potential control deficiencies or weaknesses,
- Conducting and maintaining accurate and comprehensive assessments of compliance activities,
- Preparation and submission of reports required by law to the Central Bank of Armenia and other regulatory bodies overseeing the Bank's operations,
- Periodic reporting on compliance issues to senior management and Supervisory Board,
- Proper investigation and monitoring of compliance violations and issues, as well as providing relevant recommendations for effective solutions,
- Providing compliance-related consulting to internal and external stakeholders,
- Participation in the development of new banking products and business initiatives within the scope of the compliance function, including the provision of assessments and recommendations,
- Regular monitoring and compliance oversight of the Bank’s partners and service providers,
- Preparation and submission of analyses and reports to the relevant competent authorities under the framework of AML/CFT, as well as the application of sanctions.

- Higher education in economics
- At least 3 years of work experience in the banking sector
- Knowledge of the legislation regulating banking activities
- Skills and experience in working with internal and external stakeholders
- Possession of an International Compliance Association (ICA) Certificate in Compliance or relevant international experience
- Proficiency in MS Office
- Knowledge of the Russian language
- Excellent command of both spoken and written English
- Excellent command of both spoken and written Armenian

Proper implementation of the compliance function within the Bank.

Head of Compliance Maintenance Service  

We are seeking a highly motivated and experienced Business Analyst to join our dynamic team. This role is ideal for professionals with a solid background in banking or payment organizations who are eager to contribute to the development of modern, technology-driven financial solutions. The successful candidate will play a key role in analyzing and documenting business requirements, ensuring effective integration with core banking systems, and supporting the implementation of digital solutions in a fast-paced, collaborative environment.

Job Summary

- Active participation in the development of a modern, technologically advanced crediting system
- Provide detailed clarifications to support solution implementation teams
- Analyze, document, and validate business, functional, and technical requirements
- Evaluate and test technological and digital solutions, ensuring alignment with predefined needs and conducting quality control
- Facilitate system integration with the Core Banking system


Job Responsibilities

- Minimum 3 years of experience as a Business Analyst in Banking or Payment organizations
- Strong understanding and hands-on experience with banking technologies and services
- Familiarity with UI/UX concepts and their practical application
- Proficiency in modeling business processes using notations such as BPMN or UML
- Knowledge of Web Services and REST APIs
- Understanding of the AS Bank system functionality and core logic
- Familiarity with Software Development Life Cycle (SDLC) and experience working in iterative development environments
- Fluency in Armenian and professional working proficiency in both Russian and English



Required Qualifications

The successful candidate will play a key role in analyzing and documenting business requirements, ensuring effective integration with core banking systems, and supporting the implementation of digital solutions in a fast-paced, collaborative environment.

Business Analyst (AS Bank job Announcement)

- Define and clarify the scope and objectives of card projects and engage the interested parties,
- Ensure communication and cooperation between all the interested parties,
- Create a project schedule for each assignment,
- Coordinate internal resources for smooth project implementation,
- Ensure timely implementation of card projects within the defined scope and budget and ensure their technical feasibility,
- Ensure compliance of projects with objectives, internal policies, procedures and other relevant standards,
- review the Technical Tasks and their compliance with the project,
- Provide the Technical Tasks to the interested parties and monitor the entire implementation process,
- Ensure testing for quality control of assignments,
- Raise obstacles and risks to management as needed,
- Using different project management approaches,
- Assessment, research and analysis of technical feasibility of business requirements,
- Project risk assessment and analysis


- Higher education in IT systems, economics or a related field,
- Minimum 1 year of work experience as a project manager,
- At least 2 years of work experience in the financial and banking sector,
- Excellent knowledge of Armenian, good knowledge of Russian and English,
- Excellent written and verbal communication skills including ability to manage technical documentation,
- Excellent knowledge of MS Office package,
- Analytical thinking and problem-solving skills,
- Organizational and teamwork skills,
- Ability to solve problems quickly and effectively, multitasking,
- Ability to respond quickly to changes,
- Ability to work effectively in a team,
- Communication skills,
- Good knowledge of Russian and English.


Ensures the management and implementation of projects related to the Bank's card operations and products within the specified deadlines. Ensures cooperation and communication between the project team, the interested parties and other structural divisions.

Card technologies manager

- Involvement of retail credit, card and small business customers, identification of requirements, direct and cross sales using AS-Bank system templates
- Acceptance of loan applications, formulation of loan and collateral in AS-Bank system, formation of loan granting order, collection of loan packages
- Opening, reissuing and closing of plastic cards
- With the purpose of customers and salary projects attraction: making presentations, participating in BTL-promotions organized by the Bank and "Bank at work" events
- Organization and implementation of credit transactions concluded with legal entities and natural persons 
- Execution of monthly sales plans


- Higher education, preferably in finance, accounting and economics spheres
- One year of work experience as a credit specialist in banking or related fields
- Knowledge of banking and operations, banking legislation
- Analytical thinking
- Communication skills
- Teamwork ability
- Ability to work under well-defined deadlines
- Ability to make quick decisions, orientated in problematic situations
- Good knowledge of Microsoft Office, knowledge of AS-Bank system is desirable
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable


Performs direct and cross sales of banking products, including payroll project engagement and quality service.

Financial Adviser | «Alashkert» Branch

- Receipt of all types of products entering the warehouse/store on the invoice basis
- Products inventory execution
- Responsible for the quantity, quality, maintenance, and organization of the products
- At the end of each month, compares the products with the accounting data together with the accounting department
- Reports compilation on the warehouse/store stock balance
- Participation in inventory activities in the warehouse


- Higher technical education
- At least two years of work experience in warehouse/store
- Work experience in Banking system is desirable 
- Knowledge of Microsoft Office ,  AS-Bank system 
- Problem-solving skills
- Time management, communication skills
- Knowledge of Russian and English languages


The main responsibility of the storekeeper manager is the receipt, registration, and inventory of goods and assets required for the Bank.

Storekeeper 

Shift work hours: 09:00-21:00 և 21:00-09:00

- Welcoming customers 
- Providing consultation on banking products and services
- Fast customer service (acceptance of utility payments, loan repayments of individuals, etc.) via appropriate payment terminals in the branch
- Sales and activation of Internet and Mobile banking systems
- Implementation of the plastic cards provision process to customers
- Implementation of the general administration of the service hall
- Achievement of monthly sales targets


- Higher education
- Knowledge of banking
- Advanced customer service skills
- Communication skills
- Teamwork ability
- Knowledge of business ethics rules and adherence to them
- Ability to quickly navigate in conflict situations
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable


Welcoming customers, identifying their needs, and guiding them in the branch, providing fast and high-quality service.

Hall administrator | "Zvartnots" branch

- Carry out a gold appraisal
- Application entry to the program to provide gold secured loan to a client
- Cross-sell of other products
- Formulate and collect the gold collateralized loan package
- Carry out the verbal and written assignments of the branch manager
- Submit recommendations to the branch manager regarding current working process


- Knowledge of jewellery and relevant qualifications
- At least one year of work experience 
- Proficiency in the Armenian language 
- Knowledge of the Russian language 
- Computer knowledge


Jeweler | Gyumri Branch

- Implementation of various payments and quick money transfer service in the AS-Bank system (for individuals and legal entities)
- Recommendations on banking services (loans included), conducting ACRA inquiries
- Provision of statements/references
- Formulation of money claim/surplus return from the main cash desk to other cash desks
- Acceptance of loan applications (consumer unsecured loan, credit line, loan secured with primary collateral), provision of loan and collateral in compliance with established templates, compilation of loan packages
- Implementation of established monthly sales plans
- Participating in the process of charging and discharging ATMs and assurance of program compilation  in the absence of the department head.
- Bank-Customer system service


- Higher education, preferably in the sphere of finance and/or economics
- Knowledge of banking and operations, banking legislation
- Working experience with cash is desirable
- Communication skills
- Teamwork ability
- Ability to work under fixed defined deadlines
- The ability to quickly orientate in conflict situations
- Good knowledge of Microsoft Office, knowledge of AS-Bank system is desirable
- Excellent command of Armenian, good knowledge of English and Russian languages is desirable


- Implementation of retail projects from concept to launch through mapping project timelines, detailed planning and control of resources and business processes and deliverables
- Predicting and defining KPIs and project milestones necessary for successful project implementation
- Development, updating and coordination of normative-methodological documents with the relevant departments, including development of training and operational materials
- Development and coordination of functional requirements necessary for the launch of projects with relevant departments, including testing of changes and additions made in accordance with the technical team and developed functional requirements
- Implementing the necessary analysis to identify touchpoints and improvement areas
- Preparation of launch materials based on the testing process, ensuring continuous improvement and alignment with project objectives
- Coordinating project activities, ensuring efficient resource allocation and meeting deadlines


- Higher Education in Finance, Economics and/or related field
- At least 3 years of work experience in project management, data analysis or related field
- At least 2 years of work experience in financial banking system
- Planning and organizational, strong analytical and solution-oriented skills
- Excellent teamwork, communication and negotiation skills
- Critical thinking
- Computer skills: MS Office
- Good knowledge of Armenian, Russian, English 


Deadline: 03.20.2025

The Retail Program Coordinator is responsible for the management and successful implementation of retail business development and process improvement projects, including planning, benchmarking, coordination and control of project activities.

Retail Program Coordinator

- Providing proper service to non-resident VIP customers in accordance with high standards in Russian and English
- Collection, identification (KYC), verification, entry of necessary documents of customers in the appropriate system 
- Opening and maintenance of customer accounts and cards, implementation of settlement operations
- Identifying customer needs, attracting new customers
- Implementation of non-cash transactions
- Remote service for customers already registered online
- Phone and email answering skills


- Higher education
- Knowledge of banking Services and Products
- Knowledge of banking legislation
- At least 1 year banking experience in customer service
- Document management skills
- Data Entry Skills
- Digital/Mathematical literacy
- Detail oriented skills, ability to organize work correctly
- Ability to work in a team
- Knowledge of AS
- Computer skills
- Excellent knowledge of Armenian, Russian and English


Deadline: 17.03.2025

- Knowledge of jewelery and relevant qualifications 
- At least one year of work experience 
- Proficiency in the Armenian language 
- Knowledge of the Russian language 
- Computer knowledge


Deadline: 13.03.2025

Jeweler | Vanadzor branch 

- Compilation and submission of reports prescribed by the Central Bank of the Republic of Armenia
- Compilation of reports for internal users
- Assignments given by management, processing and presenting necessary information
- Preparing reports for internal users
- Participation in discussions regarding amendments and draft regulations of the department


- Knowledge of the legislation regulating banking activities 
- Higher economic education 
- Excellent oral and written command of the Armenian language 
- Knowledge of Russian and English
- Proficiency in Ms Office 
- Knowledge of ARMSOFT programs 
- At least one year of work experience in the financial system


Deadline: 02.03.2025

Preparation, presentation and interpretation of reports prescribed by the Central Bank of the Republic of Armenia and for internal users.

Regulatory reporting unit specialist

Deadline: 03.03.2025

- Problematic loans accounting and data entry on current statuses into the Bank's register of problematic loans
- Problematic loans accounting and recording information on current statuses in the Bank's registry of problematic loans
- Preparation, sending, recording and storage of written notices to be sent to customers notifying proper fulfillment of loan obligations and the Bank's imposition of extrajudicial foreclosure on the property that is the subject of collateral
- Customer service and technical support to ensure proper performance of problematic loan obligations
- Identifying issues with borrowers that hinder or delay loan repayment and submission of relevant proposals to the head of the service 
- Analysis of problem loans, submission of recommendations
- Collection and analysis of information on problematic borrowers
- Performing other assignments by the immediate supervisor


- Higher economic and/or legal education
- At least 3 years of work experience in the banking system, 2 of which in the field of lending and/or credit risk assessment and/or loan recovery
- Negotiation skills, information and financial analysis skills, mastery of creditworthiness assessment models
- Skills of financial indicators analysis of legal entities
- Knowledge of legislation regulating banking activities
- Proficiency in Ms Office, AS Bank system
- Excellent command of oral and written Armenian language
- Knowledge of Russian and/or English languages


Deadline: 27.02.2025

Leading specialist of Corporate Distressed Assets Recovery Unit

- Organization, coordination and control of current working process of branch employees, ensuring their efficiency and continuity
- Execution of the branch's business plan, portfolios, sales and other plans, in particular: the involvement of payroll projects, conducting presentations, organizing basic, cross and telephone sales
- Conducting performance analysis of actual and expected sales on a weekly basis, taking action to meet sales plans
- Participation in ATM charging and discharging process, providing software approval
- Supervision of the official duties fulfillment, working process and discipline performance by employees of the branch
- Submission of proposals on branch issues
- Participation in the opening and closing processes of the vault


- Higher education
- At least two years of work experience in the financial and banking system
- Knowledge of financial analysis 
- Knowledge of banking legislation 
- Leadership skills
- Communication skills
- Excellent command of the Armenian language
- Knowledge of Russian and/or English languages


Deadline: 23.02.2025

Organization and coordination of branch activities.

Branch Manager | Yerevan Branch Network  

Deadline: 21.02.2025

- Conducting preliminary negotiations with corporate clients to organize their service at the Bank, to use banking tools
- Carrying out visits to the business activity place of corporate clients with the purpose of having a preliminary opinion on the financial and economic state, activities and the opportunities to make use of services offered by the Bank
- Sales of banking products to existing corporate customers
- Conduction and compilation of the reporting system
- Analysis of the possibility of serving corporate customers on individual terms
- Recommendation on current service issues for corporate clients


- Higher Education
- At least two years of experience in the banking system
- Knowledge of banking legislation
- Knowledge of macroeconomic basics
- Knowledge of Microsoft Office, AS banking system
- Effective communication skills
- Negotiation skills
- Command of Armenian, Russian or English languages


Client manager of Corporate Business Sales Unit

- Compilation and presentation of applications for declaring bankruptcy and registering a claim to the bankruptcy court, study and analysis of packages of problematic bankruptcy cases, judicial acts and writings received (made) from the court, writings and other documents submitted by bankruptcy administrators, writings and information received on judicial actions and based on them, in accordance with RA legislation and internal legal acts of the Bank, representation of the Bank's interests in the bankruptcy court, civil appeal and cassation courts,
- Participation in bankruptcy or forced auctions and acquisition of properties, state registration of property rights,
- Study, analysis, clarification, presentation of proposals, opinions, conclusion of legal documents, including procedural ones: response to a claim, objection, position, counterclaim or security, complaint, etc.


- Higher legal education,
- At least 2 years of professional work experience in bankruptcy cases,
- The experience in the mentioned sectors of banking system will be considered as an advantage,
- Licensed attorney, bailiff, bankruptcy administrator or any work experience in the mentioned fields will be considered as an advantage
- Good knowledge of RA legislation, RA Civil Code, RA Civil Procedure Code, RA Law "On Bankruptcy", RA Law "On Public Tenders", laws regulating banking activities and other legal acts
- Knowledge of the basics of clerical work,
- Internet, computer skills, MS Office proficiency
- Knowledge of AS-Bank 4.0 system will be an advantage
- Excellent oral and written command of the Armenian language


Deadline: 15.02.2025

Providing legal processes for the fulfillment of clients obligations with problem loans.

- Design a product and service implementation path from development to launch
- Development and implementation of new products and business processes
- Ongoing maintenance and continuous development of current products and business processes
- Development of requirements for software and technical support and process automation
- Market and new trends research, presentation of offers aimed at promotion
- Product profitability and other target indicators analysis
- Coordination of collaboration with internal and external partners, including payment systems, state and private bodies
- Compilation of normative-methodological documents
- Compilation of educational materials on product


- Higher education in economics, management or finance
- At least two years of banking experience
- Experience with banking products will be an advantage
- Knowledge of RA law on “Banks and Banking Activities”
- Knowledge of RA Law on “Payment and Settlement Systems and Payment and Settlement Organizations”
- Knowledge of MS Office
- Knowledge of AS system 
- Proactivity and high sense of responsibility
- Excellent communication skills
- Ability and desire to learn quickly
- Ability to work under well-fixed deadlines
- Negotiation skills
- Proficiency in Armenian, Russian and English (written and oral)


Design of passive, card and commission products rendered by the Bank to legal entities and individual entrepreneurs and relevant processes, organization of business processes.

Deposit Products Responsible

Verification of statements received from correspondent banks, cost-income formulation of relevant statements
Formation and sending of statements to correspondent banks, verification and settlement
Verification of transfers received from customers, accounting to the relevant customer account, processing returns of incorrect transfers
Verification of fast transfer systems, formulating commissions and adjusting transactions made by the branch network, settlement with agents


Responsibilities 

Settlement of fast money transfer, verification of correspondent account statements, accounting of payment orders. 