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Vacancies

- Manage and oversee the entire product lifecycle, from idea generation to launch, development, and optimization.
- Formulate and document business requirements as product requirements (BRD, PRD, User Stories).
- Manage and prioritize the product backlog in close collaboration with stakeholders.
- Collaborate with IT and other involved teams throughout all stages of the product lifecycle.
- Ensure effective cooperation with external vendors and partners.
- Participate in the product discovery process, including problem identification, solution design, validation, and testing.
- Analyze product performance and take responsibility for achieving defined KPIs and business outcomes.
- Identify new development opportunities and propose product improvement initiatives.

Job responsibilities

- Higher education in Economics, Management, Finance, or related fields
- At least 3 years of work experience in the banking system; experience in credit products or digital lending will be considered an advantage
- Practical experience in:
- applying Agile, Scrum, and Kanban methodologies
- using Jira and Confluence tools
- preparing and managing BRD, PRD, and User Stories documentation
- Strong knowledge of consumer lending, digital lending processes, and the customer journey
- Clear understanding of the full lifecycle of digital product development and management
- Knowledge of RA banking legislation, lending processes, and sector regulations
- Ability to effectively balance business requirements, technical constraints, and regulatory 

Necessary requirements

The Product Manager is responsible for the development, implementation, enhancement, and end-to-end lifecycle management of lending solutions across the bank’s digital platforms.

Product Manager

- Registration and maintenance of virtual trade points (e-Commerce Merchant) and ATMs
- Certification of terminals and ATMs
- Monitoring in the SmartVista system
- Implementation of new projects
- Ensuring compliance with mandatory requirements of payment and settlement systems

Job reponsibilities

- Higher education in Economics, Mathematics, or Technical Sciences
- At least 3 years of experience in the banking system
- At least 2 years of experience with card payment and settlement systems
- Knowledge of legislation and rules regulating payment and settlement systems
- Proficiency in MS Office
- Willingness to work in multifunctional teams and cooperate with different departments
- High sense of responsibility and orientation toward achieving team goals
- Ability to manage conflict situations constructively and propose solutions
- Ability to work within strict deadlines
- Proficiency in Russian and English (written and spoken)

Ensure integration, certification, registration, and maintenance of the bank’s service points and ATMs within the processing system.

Chief Specialist of the Card Issuance and Payment and Settlement Services Unit

- Investigation of card transactions across various payment systems, analysis and resolution of issues arising in the course of card servicing, and provision of necessary information
- Handling telephone inquiries from the branch network
- Creation and modification of card standards
- Maintenance of the database of retained cards
- Activation of privileges for premium cardholders and management of the relevant database
- Maintenance of the card delivery database and verification of delivery service invoices
- Execution of other functions defined by the Bank’s internal regulations and procedures

 Job responsibilities

- Higher education
- At least one year of work experience in the banking system. Experience in card issuance and payment/settlement systems is desirable
- Knowledge of legislation regulating banking and payment systems
- Ability to quickly adapt and work effectively in a changing environment
- Ability to handle multiple tasks simultaneously and meet tight deadlines
- Communication and negotiation skills
- Knowledge and application of business ethics standards
- Good knowledge of MS Office, Mulberry, Smart Vista software
- Good knowledge of Russian and/or English languages

Required skills

Telephone support for the branch network. Investigation of problematic local and international card transactions.

Chief Specialist of the Card Remote Service and Reporting Department

-  Identify and attract new clients (SMEs and large companies)
- Organize meetings with clients and present proposals
- Sell passive products (bank accounts, deposits, international transfers, FX, POS terminals, etc.)
- Maintain and service the passive portfolio, provide client consultation, support, and problem resolution
- Identify client needs (through calls, negotiations, and analysis) and perform cross selling.
- Ability to set individual terms and tariffs for servicing bank accounts for clients.
- Collect documentation related to client account servicing and cooperation with other departments

Responsibilities

- Higher education
- At least 2 years of experience in banking or a related field
- Knowledge of banking regulations and legislation
- Knowledge of accounting is an advantage
- Strong communication skills
- Time management skills
- Negotiation skills
- Proficiency in Armenian (written and spoken)
- Knowledge of Russian or English

Requirements

Identify and attract corporate clients. Sell commission-based business products (services), manage relationships with corporate clients, and ensure growth of commission business.

Client Manager

- Create, maintain and regularly update the supplier database. 
- Conduct market research, identify the best price-to-quality ratio according to requirements and optimize procurement processes. 
- Negotiate with partners and suppliers. 
- Organize the procurement process based on purchase requests and conduct tender procedures. 
- Coordinate product design, quality specifications and other requirements with relevant departments when necessary. 
- Prepare, review, negotiate and execute contracts monitor contractual obligations, warranty, and post-warranty services. 

Job Responsibilities

- Higher education degree. 
- At least 2 years of work experience
- Strong negotiation skills. 
- Excellent communication and interpersonal skills. 
- Ability to work in a dynamic and fast-changing environment. 
- Ability to work effectively in a team. 
- Proficiency in MS Office. 
- Knowledge of Russian and/or English.

Organization of necessary purchases for the needs of the bank

Procurement Chief Specialist

- Managing, supervising, and organizing processes related to the Compulsory Enforcement Service (CES) and tax liens/seizures.
- Managing, supervising, and organizing accounts of bankrupt, deceased, or restricted customers.
- Organizing operations related to problematic customer databases and blacklists.
- Organization of functions for repayment of problematic loans with various transit accounts
- Approving and supervising account operations, deposits, cash-outs, and other transactions.
- Organizing the preparation and dispatch of centralized responses to non-standard customer inquiries/applications.
- Organizing the preparation and dispatch of responses to inquiries from audit firms, bankruptcy managers, and legal counsels (lawyers).
- Organizing and ensuring the uninterrupted operation of the department’s functions 

- Higher education in Economics 
- At least 3 years of experience in the banking sector (experience related to the mentioned functions is highly desirable) 
- Knowledge of banking legislation and regulations 
- Team management experience 
- Analytical and managerial skills 
- Strong communication skills 
- Excellent knowledge of AS-Bank system, MS Office, and Excel 
- Knowledge of Russian and English languages will be considered an advantage 

Organization, execution, approval, and control of post-operational functions related to customer accounts in accordance with the laws of the Republic of Armenia and the Bank’s internal procedures.

Head of Account Maintenance and Depositary Unit

- Define and own the growth strategy for digital products, aligned with the bank’s strategic and financial objectives. 
- Drive customer acquisition, activation, engagement, retention and monetization across digital channels. 
- Identify and prioritize growth opportunities across payments, cards, lending, bundles and onboarding journeys. 
- Build and optimize commercial models, pricing approaches and revenue streams. 
- Benchmark competitors and market trends to strengthen market positioning. 
- Lead, mentor and develop the Growth Managers team. 
- Establish clear ownership and accountability for product performance metrics. 
- Coordinate with Product, Marketing, CRM, Data, IT and Sales teams to execute growth initiatives. 
- Build strategic partnerships with payment networks, fintechs, merchants, telecoms, lifestyle and ecosystem partners. 
- Ensure strong governance and reporting on business performance and growth pipeline. 
- Develop lifecycle strategies to improve activation, repeat usage, cross-sell, and retention. 
- Work with CRM and Marketing teams to design targeted campaigns and personalized customer journeys. 
- Increase adoption of digital products through customer education, incentives, and promotions. 
- Strengthen customer loyalty through bundled offers and ecosystem propositions. 
- Define and monitor key growth metrics such as acquisition, MAU, adoption, retention and revenue growth. 
- Use quantitative and qualitative insights to optimize growth levers. 
- Build business cases for new initiatives and assess ROI. 
- Partner with Marketing/Data/CRM teams to implement A/B testing, segmentation, and performance dashboards. 

Job responsibilities 

- Bachelor’s or Master’s degree in Business, Finance, Marketing, Economics or related field. 
- 5+ years of experience in Growth, Business Development, Commercial Management, or related leadership roles within banking, fintech or payments. 
- Proven experience managing teams and delivering measurable business growth. 
- Strong understanding of digital business models, banking economics and customer lifecycle management. 
- Ability to translate analytics into commercial action plans. 
- Strong leadership, stakeholder management, and negotiation skills. 
- Knowledge of RA legislation regarding banking and payments. 
- Proficiency in Armenian, Russian, and English (written and spoken) is required. 
- Strategic Thinking – ability to define growth vision and commercial roadmap. 
- Leadership & Coaching – building high-performing growth teams. 
- Commercial Mindset – maximizing value, revenue, and profitability. 
- Analytical & Data-Driven – using insights to accelerate growth. 
- Execution & Ownership – delivering ambitious growth targets. 
- Innovation-Oriented – creating new partnerships and growth models.

Necessary requirements 

We are seeking a Head of Digital Business Development Unit to lead the commercial growth, customer acquisition, activation and monetization of the bank’s digital products portfolio. 

Head of Digital Business Development Unit

- Daily monitoring and analysis of transactions based on files exported from AS/SmartVista systems.
- Monitoring in the SmartVista system of real-time transactions performed with bank-issued cards at service points.
- Daily monitoring of cases recorded in the SmartVista system for fraud prevention purposes related to POS terminals serviced by the Bank.
- Review of service point registration applications for risk assessment purposes.
- Contacting cardholders and conducting inquiries to verify transactions performed with bank-issued cards at service points.
- Analysis of compromised cards – ADC Report.
- Analysis of information received from payment systems and identification of risky transactions and fraud cases based on the analysis.
- Maintenance of daily reports.
- Execution of other tasks assigned by the direct supervisor.

- Higher education in economics, finance, or technical fields.
- At least 1 year of work experience in the banking system.
- Knowledge of legislation regulating banking activities.
- Professional knowledge and skills in payment card operations, fraud prevention, and monitoring — considered an advantage.
- Knowledge of AS Bank, SmartVista, and MS Office software systems.
- Excellent command of Armenian and good knowledge of English and Russian.
- Analytical skills.
- Ability to quickly detect unusual behavior.
- Time management skills.

Conducting analysis of transactions carried out with cards issued by the bank and at commercial service points. Identifying risky and suspicious transactions, establishing contact with cardholders to verify transactions. 

Leading specialist in card fraud monitoring

- Providing consultations to corporate and SME clients within leasing financing, conducting site visits and analyzing business activities
- Collecting, verifying, and systematizing information required for the analysis of leasing applications in appropriate templates
- Cooperating with relevant departments of the bank to prepare and submit professional opinions
- Presenting leasing applications at Executive Board and/or Credit Committee meetings
- Performing current tasks assigned by the supervisor

Job responsibilities:

- Higher education (Finance, Economics)
- At least 1 year of experience in analytical work
- Skills in financial analysis and risk assessment
- Good knowledge of accounting
- Proficiency in Excel and analytical tools
- Strong communication and negotiation skills
- Excellent time management abilities
- Excellent knowledge of Armenian (written and spoken)
- Knowledge of Russian and/or English will be considered an advantage

Necessary requirements:

Conducting a comprehensive analysis of the financial condition, business activities, and risks of corporate and SME clients within the framework of leasing applications.

Chief Analyst of the Leasing Operations Service

- Identify and attract new clients (SMEs and large companies)
- Organize meetings with clients and present proposals
- Sell passive products (bank accounts, deposits, international transfers, FX, POS terminals, etc.)
- Maintain and service the passive portfolio, provide client consultation, support, and problem resolution
- Identify client needs (through calls, negotiations, and analysis) and perform cross selling.
- Ability to set individual terms and tariffs for servicing bank accounts for clients.
- Collect documentation related to client account servicing and cooperation with other departments

- Providing consultation, visiting business locations, and analyzing business activities within the framework of corporate business clients’ business lending 
- Collection and verification of information required within the framework of corporate business client analyses
- In cooperation with relevant bank departments, preparing and submitting appropriate conclusions regarding the activities of business entities within corporate lending 
- Presenting loan applications to the Executive Board and/or Credit Committee meetings 
- Transferring the complete package to the relevant bank department for further organization of the lending process 
- Ensuring the financing procedure for corporate business clients
- Fulfilling current instructions of the manager 

- Higher education 
- At least three years of relevant work experience 
- Knowledge of banking legislation
- Knowledge of financial analysis 
- Knowledge of accounting 
- Strong communication skills 
- Time management skills 
- Negotiation skills 
- Excellent knowledge of Armenian (written and spoken) 
- Knowledge of Russian and/or English will be considered an advantage 

Required Qualifications

Analysis of the financial condition of corporate clients.

Chief specialist of Corporate Business Analysis

- Develop and establish strong relationships with corporate clients 
- Analyze clients’ needs and offer relevant banking products (loans, trade finance, cash flow management, etc.) 
- Manage the corporate client portfolio, ensuring profitability and growth 
- Prepare proposals for credit and non-credit products 
- Monitor clients’ financial performance and compliance with credit terms 
- Perform cross-selling to increase the bank’s profitability 
- Monitor market developments and competitors 
- Ensure compliance with internal policies and regulatory requirements 
- Collaborate with other bank departments (legal, operations, risk, finance, etc.)

- Higher education in Finance, Economics, Business Administration, or a related field 
- 3–7 years of work experience in corporate banking or the financial sector 
- Knowledge of financial analysis and accounting, and strong credit assessment skills 
- Excellent communication and negotiation skills 
- Customer-oriented mindset and relationship management skills 
- Good knowledge of banking products and financial markets 
- Proficiency in MS Office 
- Good command of English and Russian languages 

The Corporate Banking Relationship Manager is responsible for developing long-term relationships with clients, offering financial solutions, and ensuring client satisfaction, thereby contributing to business growth.

Corporate Banking Relationship Manager

- End-to-end management of POS, vPOS, mPOS, and FacePass services
- Attracting and launching new partners (merchants)
- Process management from the initial application to final activation
- Coordinating the installation, configuration, and launch of terminals
- Supervising the activation of features such as Refunds, Installments, and other functionalities
- Monitoring and analyzing transactions
- Risk assessment and making informed decisions
- Collaborating with marketing, IT, and sales teams
- Conducting negotiations with partners
- Proposing service improvements and innovative solutions
- Market research and identifying growth opportunities.

 Responsibilities:

- Higher education (Finance, Business, or a related field)
- Work experience in banking or payment systems (preferred)
- Strong communication and negotiation skills
- Proficiency in Armenian, Russian, and English
- Good knowledge of MS Office 
- Knowledge of the ArmSoft 
- Analytical thinking and problem-solving skills.

Requirements:

We are looking for a responsible and proactive manager to handle the development, implementation, and management of the bank's terminal products (POS, VPOS, MPOS, FacePass), ensuring sales growth and efficient service organization.

Terminal Product Sales and Service 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 in banking or related fields (working experience of a credit specialist is desirable)
- 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

Required qualifications

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

Financial Adviser | Yerevan Branch Network

- Initial training and continuous learning
- Practical experience in a real banking environment
- Work with experienced professionals
- A deep understanding of banking products and processes
- Step-by-step development on the job
- Opportunity to understand the bank as a complete system 

What awaits you? / What to expect:

- Welcome customers and understand their needs
- Present and sell banking services
- Perform cash and non-cash transactions
- Carry out payments and transfers
- Activate online and mobile banking services
- Ensure fast and high-quality service

What you will do

- Mobile/Roving role across different branches (Yerevan)
- Opportunity to gain experience in different teams and environments
- Ensuring continuity of customer service

Work format


- Motivated young individuals who see their career growth in the financial and banking sector
- Graduates of the last 3 years or senior-year students
- Communication and sales skills
- Ability to orientate quickly 
- High sense of responsibility


Learn, work, develop and become a banking specialist.

Who we are looking for

Start your career at Amio Bank, even if you don't have work experience yet! We are looking for motivated and customer-centric candidates to join our team and begin their journey through training, hands-on experience, and professional growth.

Customer Service Consultant (Mobile)

- Performance of retail credit and small business customer acquisition, demand discovery, direct and cross-selling,
- Analysis of the client's financial and economic activity and creditworthiness assessment in compliance with the internal legal acts of the bank,
- Acceptance of customers’ applications,
- Consultation on banking services,
- ACRA survey conduction,
- Formation of the credit case within jurisdiction, insurance of the accuracy and completeness of the documents submitted for granting the loan, in accordance with the established procedure, and submission it to the decision-making body (department) for consideration,
- Implementation of actions and other activities aimed at the development of small businesses
- Ongoing service and provision of consultations to clients who are small business entities

- Higher economic or technical education
- Knowledge of legislation and regulatory framework governing banking activities
- At least one year of work experience in the financial and banking system
- Experience in data analysis and visualization
- Computer skills (proficiency in Microsoft Excel)	
- Excellent command of Armenian language
- Knowledge of Russian and/or English languages

Implementation of direct and cross selling of banking products for small business entities.

SME Manager | «Nalbandyan» Service Center

- Ensuring the document flow of the service, working with the Mulberry program, 
- Preparing reports and analyses related to the functions of the service, 
- Preparing and submitting applications for the issuance of writs of execution, monitoring deadlines, as well as monitoring the process of whether or not they have been sent to the Compulsory Enforcement Service by the courts, 
- Preparing drafts of petitions, applications and other procedural documents, 
- Necessary work arising from his functions with the AS Bank program, 
- Maintaining and fulfilling the requirements and obligations set forth in the relevant internal legal acts of the Bank related to his work functions, 
- Performing other functions contributing to the normal work of the service, 
- Fulfilling written and oral instructions of the Director of the Legal Department and the Head of the Service.

**Education and Special Skills/Competencies**

- Excellent command of MS Office 
- Higher education, preferably in Law or Economics 
- Knowledge of legislation regulating banking activities 
- Excellent written and verbal communication skills in Armenian 
- Proficiency in Russian and/or English

**Work Experience**

- At least 1 year of relevant work experience in the banking system of the Republic of Armenia or in another financial institution

**Competencies**

- Analytical skills 
- Ability to quickly orient and adapt
- Excellent skills in structuring and articulating ideas
- Organizational skills, including time management and meeting deadlines
- Effective communication skills 

Clerical support for the Court Cases Service of the Legal Department, preparation of analyses and required documents

Leading Specialist (Clerk-Analyst) of the Court Cases Service, Legal Department

- Develop, implement and improve the Bank’s compensation and benefits policy in alignment with the Bank’s overall objectives.
- Participate in the design, implementation and ongoing management of the job grading system, ensuring internal equity and external market competitiveness.
- Develop and update job descriptions for all positions within the Bank, ensuring alignment with business needs.
- Participate in budgeting, financial and workforce strategic planning processes, in close collaboration with the Finance Department and other relevant units.
- Develop, implement and continuously improve incentive programs, ensuring their alignment with the specific characteristics and objectives of different Bank departments.
- Analyze trends in the banking compensation market and provide recommendations to enhance competitiveness.
- Implement HR projects aimed at improving organizational efficiency.
- Conduct in-depth HR data analysis and prepare reports for senior management.
- Ensure compliance with the RA Labor Code, as well as internal and external banking regulations.

Main responsibilities

- Higher education in Human Resource Management, Economics, Finance, Management, or a related field
- At least 2 years of experience in compensation and benefits management, preferably in the banking or financial sector
- Advanced knowledge of Excel; knowledge of HR information systems (HRIS)
- Excellent knowledge of Armenian and English; good knowledge of Russian
- Strong analytical thinking and data handling skills
- Excellent communication and presentation skills
- Strong attention to details
- Ability to work in a team and maintain confidentiality
- Time management skills
- High sense of discipline and responsibility


We are looking for a Senior Compensation and Benefits Specialist, who will be responsible for the development, implementation, and continuous improvement of the Bank’s compensation 

Senior Compensation and Benefits Specialist

- Participate in the implementation of new products in the Bank’s systems and configure related solutions
- Analyze new business and regulatory requirements, propose solutions, perform testing, and support implementation
- Perform updates of operating systems, test and deploy new versions
- Test new system modules, identify and log defects
- Monitor business processes and system logs, conduct analysis, and propose solutions
- Oversee end-of-day operations in the AS Bank system, perform monitoring, analyze issues, and optimize processes
- Register users, assign access rights, and provide technical support
- Support and analyze system-related requests and issues from all Bank departments
- Ensure uninterrupted operation of the Bank’s systems
- Perform other duties assigned by the service or department manager

- Higher education
- At least 2 years of experience in IT or customer support
- Knowledge of banking legislation and regulations
- Strong teamwork and collaboration skills
- Good communication skills
- Analytical thinking
- Excellent knowledge of Armenian
- Knowledge of Russian and English is a plus

AMIO Bank is seeking a Core Operational System Administrator who will manage systems, automate processes, administer users, and ensure stable system operation of our Core banking system. 

Core Operational System Administrator 

- Support the implementation of new products and related solutions in operational systems.
- Analyze new business/legal requirements, propose solutions, perform testing, and deploy them into the production environment.
- Contribute to process optimization by proposing technical improvements.
- Test new system versions, identify issues, and ensure their resolution.
- Perform module testing, document and report detected defects.
- Support departments in resolving IT‑related questions and issues.
- Monitor processes and system logs, report problems to the supervisor, and propose solutions.
- Ensure the smooth and continuous operation of systems.

- Higher education (technical background is considered an advantage).
- At least 2 years of experience in customer service, service quality or complaint analysis.
- Analytical thinking and data‑handling skills.
- Knowledge of AS, Service Desk, and customer feedback tools is an advantage.
- Excellent interpersonal, communication, and negotiation skills.
- Customer‑oriented mindset, initiative, and high sense of responsibility.
- Excellent knowledge of Armenian, Russian, and English languages.

AMIO Bank is looking for a motivated Applications Administrator who will ensure the uninterrupted operation of banking systems and will participate in the testing and implementation of new solutions.

Application Administrator

Financial Adviser | «Vanadzor» Branch

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

Financial Adviser | «Kentron» Branch

- 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 2 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.

Leading Specialist of Centralized Credit Operations Unit

- Preparation of applications for declaring bankruptcy and registering the claim, submission to the bankruptcy court, study and analysis of problematic bankruptcy case packages, judicial acts and documents received (issued) from the court, documents submitted by bankruptcy administrators, correspondence and information received on procedural actions, and based on them, representation of the Bank's interests in the bankruptcy court, civil courts of appeal and cassation, in accordance with the legislation of the Republic of Armenia and the Bank's internal legal acts,
- Participation in auctions and acquisition of property in bankruptcy cases, state registration of property rights, elimination of obstacles arising during state registration,
- Study of legal documents, analysis, clarification, proposal, opinion, conclusion, including procedural: response to the claim, objection, position, counterclaim or security, complaint and other procedural actions.

- Higher legal education,
- At least 2 years of professional experience in bankruptcy cases,
- Work experience in the banking system regarding the specified sectors will be considered an advantage,
- Having a lawyer, bankruptcy manager license or any work experience in the specified sectors will be considered an advantage,
- Good knowledge of the RA Constitution, the Civil Code of the Republic of Armenia, the Civil Procedure Code of the Republic of Armenia, the RA Law “On Bankruptcy”, the RA Law “On Public Procurement”, laws regulating banking activities and other relevant legal acts,
- Internet, computer skills, Ms Office proficiency 
- Knowledge of the AS-Bank 4.0 system will be considered an advantage,
- Excellent oral and written command of the Armenian language.

Provision of legal and judicial processes aimed at debt recovery in bankruptcy proceedings of clients with non-performing (problematic) loans

Senior lawyer

- 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 education in Economics
- 2 years of banking experience in the fields of lending and non-performing asset recovery
- Skills in financial analysis and working with databases
- General knowledge of legislation regulating the banking activities
- Negotiation skills, ability to analyze information and financial data, proficiency in creditworthiness assessment models
- Ability to work under tight deadlines and in high-pressure situations
- Proficiency in MS Office and the AS Bank system
- Skills in analyzing financial indicators of legal entities 
- Communication skills
- Excellent command of spoken and written Armenian language

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

Leading specialist of Corporate Distressed Assets Recovery 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

 Necessary requirements

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

- Preparation and provision of monthly fuel consumption reports and documentation related to vehicle repairs
- Participation in the work of the committee responsible for inventory and operational accounting of material assets in the bank
- Implementation of the department's administration
- Fulfillment of other assignments given by the Head of the Department and the Operations Manager
- Acting as Deputy Head of the Department when necessary

Responsibilities:

- Higher economic or technical education
- At least one year of work experience in the banking system
- Strong communication skills
- Time management 
- Analytical thinking
- Stress resistance
- Proficiency in MS Office and Mulberry 
- Excellent command of Armenian
- Knowledge of Russian and/or English

Ensuring cooperation and document circulation with the Bank’s internal and external partners, preparation of reports, applications, and acts.

 Leading Specialist of Administrative Services

1.	**Periodic monitoring**
- Conduct regular monitoring of the Bank’s Sky service (call center), including call reviews, video banking service checks, and reviews of written platforms.
- Perform periodic monitoring of the Bank’s branch network by visiting branches and reviewing recordings.
- Discuss the information collected from these observations with relevant departments and, if necessary, participate in corresponding projects or provide recommendations.

2.	**Involvement in projects from the customer experience perspective** (_journey mapping_).

- Study the complete customer “journey,” provide relevant recommendations to the responsible teams, and monitor the implementation of those recommendations.

3. **Promotion of a customer-centric culture**.

- Develop a customer-centric culture within the Bank, ensuring that customers’ needs and perspectives are considered in all decision-making processes. Review responses, emails, and messages sent to customers across all possible channels. Create standards/scripts for frontline staff when necessary.

- Bachelor’s degree in Finance, Marketing, Psychology, and/or a related field (Master’s degree is an advantage)
- At least 2–3 years of work experience in the banking sector
- 1 year of experience in customer experience, service quality monitoring/oversight, customer loyalty and retention, and/or related areas
- Team player

- Customer-centric / customer-oriented mindset
- Deep understanding of customer behavior
- Strong communication skills
- High emotional intelligence, empathy
- Stress resilience, strong negotiation skills

Required Skills

The main goal is to assess compliance with the standards in force in the bank, to support the improvement of customer service quality, and to create and spread a customer-centric culture.

Chief Customer Experience Specialist 

- 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 | «Nalbandyan» Branch 

- Planning and managing current liquidity
- Implementing and monitoring limits related to liquidity management
- Conducting liquidity management analyses and preparing relevant reports for Bank management and the Central Bank of Armenia
- Periodic monitoring of the Central Bank of Armenia’s regulatory indicators
- Supporting the preparation of ALCO package components
- Monitoring financial markets
- Other functions and analyses related to Asset, Liability, Capital, and Balance Sheet Management (ALCM & BSM)

- Higher education in Economics, Mathematics, or Finance
- 3+ years of experience in the financial-banking sector
- Excellent knowledge of financial and banking reporting structures
- Deep understanding of key regulatory frameworks
- Relevant computer skills, advanced proficiency in MS Office
- Knowledge of banking AS-Bank systems
- Strong decision-making and quick orientation skills
- Analytical skills
- Ability to meet and adhere to deadlines
- Strong teamwork and communication skills
- Ability to negotiate and collaborate with other departments
- Excellent command of Armenian, good knowledge of Russian and English

 Bank Liquidity Assessment and Management.

Liquidity manager

Work in shifts

- 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

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

Service Clerk | «Kentron» Branch

- Conduct direct sales of banking products and services
- Attract new individual and legal entity clients
- Present banking products based on customer needs
- Provide initial financial consultation
- Collect and verify customers’ documents
- Participate in the preliminary assessment process of loan applications
- Maintain customer data in banking systems
- Fulfill sales plans and KPIs
- Organize sales presentations for potential clients
- Maintain banking confidentiality and data protection rules
- Prepare sales reports
- Participate in exhibitions, conferences, seminars, and other business events for business development and networking purposes
- Perform other tasks assigned by the immediate supervisor
- Cooperate with other departments of the Bank

- Higher education (finance, economics, banking)
- Experience in banking or financial sector – preferred
- Sales and negotiation skills
- Analytical thinking
- Good knowledge of MS Office (knowledge of PowerPoint will be considered an advantage)
- Excellent knowledge of Armenian and Russian, good knowledge of English
- Communication and organizational skills
- Ability to solve problems quickly and effectively
- Ability to work effectively in a team
- Punctuality and sense of responsibility

Ensure active sales of the Bank’s products and services through direct and remote channels, as well as take steps aimed at attracting new customers, expanding the customer base, and achieving the sales plan.

Remote Sales Manager

Financial Adviser | Ashtarak Branch

- Drafting and submission of statements of claim and applications within the time limits and in the manner established 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 

- 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 
- Knowledge of Ms Office
- Ability of legal analysis
- Effective communication skills
- Excellent oral and written command of the Armenian language
- Knowledge of Russian and/or English 

Drafting and submission of statements of claim and applications within the time limits and in the manner established by the Bank’s internal legal acts.

Court Service Leading specialist of Legal Department

- Management, control, and organization of processes related to the Compulsory Enforcement Service and tax seizures.
- Management, control, and organization of accounts of bankrupt, deceased, or restricted customers.
- Maintenance of the problematic customers and blacklist database.
- Execution of problematic loan repayment operations through various transit accounts.
- Approval and control of accounts, deposits, cash withdrawals, and other transactions.
- Organization of preparation and dispatch of centralized responses to non-standard customer requests.
- Organization of preparation and dispatch of responses to inquiries from audit firms, bankruptcy trustees, and legal representatives.
- Organization and ensuring uninterrupted operation of the department.

- Higher education in Economics
- At least 3 years of work experience in the banking sector
- Knowledge of legislation regulating banking activities
- Team management experience
- Analytical and managerial skills
- Strong communication skills
- Excellent knowledge of AS-Bank system, MS Office, and Excel
- Excellent command of Armenian
- Knowledge of Russian and English

Organization, implementation, approval, and control of post-operational functions related to customer accounts  in accordance with the legislation of the Republic of Armenia and the Bank’s internal procedures.

Head of Accounts Management and Depository Department

- Accounting and recording of taxes and other mandatory payments
- Accounting of services provided to the Bank by non-residents in accordance with the RA Tax Code, including preparation of self-invoices, recording of invoices, and collection of tax residency certificates
- Compilation of reports to be submitted to tax authorities and other governmental bodies
- Verification of real estate tax and vehicle property tax certificates, and payment of the respective taxes
- Accounting for rights and/or obligations arising from contracts concluded by the Bank, as well as recording of administrative and other expenses in accordance with the supporting documentation provided
- Preparation and approval of import declarations, import tax declarations, and statistical forms for tangible assets imported from the EAEU territory
- Accounting for leasing contracts, preparation of necessary documents.

- Higher economic education 
- At least two years of work experience as an accountant
- Knowledge of the banking legislation 
- Knowledge of accounting 
- Knowledge of tax legislation 
- Proficiency in AS-Bank, AS-Enterprise, Excel programs 
- Knowledge of Armenian, Russian/English languages

Formulation of administrative and other expenses, preparation of tax reports, calculation and payment of taxes.

Chief Specialist of Internal Accounting 

- Performing periodic calculations and analyses for quantitative assessment of financial risks
- Conducting stress testing and participating in scenario analysis processes, including data preparation and result analysis
- Backtesting of stress testing results and evaluation of model performance
- Customer behavioral analysis to identify liquidity and market risks
- Participation in the Internal Capital Adequacy Assessment Process (ICAAP), including stress testing
- Periodic monitoring of counterparty risk concentration, credit limits, and other risk indicators
- Preparing regular and as needed situational reports on financial risks
- Extracting and processing data from databases (SQL) required for risk analysis
- Developing automated reports/scripts (Python/R) for risk assessment and reporting

- Higher education in Economics, Mathematics, or Actuarial Science
- At least 3 years of work experience in the banking or financial sector, including at least 2 years in financial risk management, analysis, or control
- Practical knowledge of SQL for data querying and analysis; hands-on experience with Python or R; advanced Microsoft Excel skills (Power Pivot, macros, complex functions)
- Knowledge of statistical and econometric methods, financial mathematics
- Knowledge of banking operations and core financial instruments
- Excellent command of Armenian
- Proficiency in Russian and/or English

Implementation of quantitative assessment and monitoring processes of the Bank’s financial risks, preparation of reports.

Senior Specialist, Financial Risk Management Department

- Proper and comprehensive handling of international disputes (disputes/chargebacks)
- Receiving, importing, exchanging and monitoring settlement files
- Review of updates and regulations of Visa and MasterCard payment systems and internal awareness
- Analysis of card transactions across various operational systems
- Preparation and submission of various reports addressed to internal bank units, the Central Bank of the Republic of Armenia, and other payment and settlement systems
- Professional support to the branch network

- Higher education in economics, mathematics, or social sciences
- At least two years of work experience in the banking system, including a minimum of one year working with payment and settlement systems
- Knowledge of legislation regulating the activities of banks and payment and settlement systems
- Ability to adapt quickly and work effectively in a changing environment
- Ability to handle multiple tasks simultaneously and meet tight deadlines
- Strong communication and negotiation skills
- Knowledge and application of business ethics standards
- Proficiency in MS Office and Mulberry software
- Excellent command of the Armenian language
- Good knowledge of Russian and/or English

Review, processing, and management of disputes in accordance with Visa and MasterCard payment system rules. Exchange, import, and archiving of settlement files.

Leading Specialist of Card Remote Service and Reporting 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

 Organization and coordination of branch activities.

Branch manager | Ejmiatsin Branch

Branch Manager | Vanadzor Branch

- Ensure accurate, timely, and methodology-compliant implementation of the full performance management cycle within the Bank (goal setting and evaluation phases, feedback provision, competency assessment, etc.).
- Conduct regular reviews/diagnostics of the performance management system, identify improvement opportunities, and propose development initiatives.
- Support employees and managers in application of performance management tools, objective formulation, and evaluation processes.
- Ensure the smooth and effective operation, development, and issue resolution of the Performance Management Information System.
- Analyze performance evaluation results and prepare managerial reports and analytical materials.
- Participate in the development of performance-based compensation systems.
- Participate in the development and implementation of the job grading system within the Bank.
- Participate in the development, review, and alignment of job descriptions with banking standards.
- Participate in the implementation of the succession planning process within the Bank.
- Support the development and implementation of HR policies and procedures.
- Participate in other organizational development, efficiency improvement, and change management initiatives.

Key Responsibilities

- Higher education in Human Resource Management, Economics, Finance, Business Administration, or related fields.
- At least 2 years of experience in the HR field; experience in banking or the financial sector is preferred.
- Strong knowledge of strategic HR management and modern organizational development approaches.
- Experience in developing and supporting an already implemented performance management system will be considered an advantage.
- Proficiency in MS Excel, PowerPoint, and HR Information Systems (HRIS).
- Excellent command of Armenian and English; good knowledge of Russian.
- Strong knowledge of modern performance management approaches, including OKRs and KPIs.
- High analytical skills and ability to work with data.
- Systemic thinking.
- Growth mindset with a strong desire and ability for continuous development and learning.
- Excellent communication skills.
- High emotional intelligence and empathy.
- Willingness to take ownership of processes.
- Strong attention to detail.
- Ability to work in a team and maintain confidentiality.
- Time management skills.
- High sense of discipline and responsibility.

The Performance Management Specialist is responsible for the effective application, continuous development, improvement, and methodological support of the Bank’s performance management system, ensuring its alignment with the Bank’s strategic objectives

Performance Management Senior Specialist

- 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  

- 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
- rovision 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

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

Service Clerk at Customer Service and Cash Operations Unit | Ejmiatsin 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 jewelery and relevant qualifications
- At least one year of work experience
- Proficiency in the Armenian language
- Knowledge of the Russian language 
- Computer knowledge

Jeweler | Ejmiatsin branch

- 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 

- Property valuation and revaluation, identification of property-related risks, and conducting on-site property inspections when necessary
- Verification of the reliability of information related to properties accepted as collateral
- Provision of conclusions on property valuation requests
- Provision of conclusions on transactions involving pledged properties
- Analysis of the real estate market and submission of periodic reports
- Submission of proposals aimed at improving the Bank’s internal regulatory documents related to the scope of functions
- Other functions as defined by the Bank’s internal regulatory documents

- Higher education, preferably technical education
- At least 5 years of professional experience
- Possession of a professional qualification certificate
- Advanced proficiency in MS Office, particularly Excel
- Excellent command of Armenian; knowledge of Russian and/or English is desirable

Employee responsible for the valuation and revaluation of pledged/prospective collateral properties and the identification of property-related risks within the Bank.

Senior Specialist of Property Valuation and Revaluation 

- 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

Required qualifications 

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