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Vacancies

- 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

Responsibilities

- 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

Necessary requirements

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

SME Manager | «Nalbandyan» Service Center

- Performs customer cashier service operations for cash entry and exit of AMD and other currencies.
- Accepts cash in excess of attendees limit.
- Provides immediate customer service (exchange functions, loan repayments, bank account deposits/withdrawals and other cash operations).
- Implements maintenance of charging, discharging and collection processes of ATMs.
- Implements sorting and packaging of bills and coins in the cash register.
- Participates in the opening and closing of the vault, provides service at the beginning or during the working day, accepts cash and other valuables from service providers at the end or during the working day, confirms of giving and receiving cash in the AS-system, as well as the transactions by signing a document.

Responsibilities.

- Higher education
- Knowledge of the legislation and framework regulating banking activities.
- Excellent communication and interpersonal skills
- Ability to work in a team
- Computer knowledge: Microsoft Office, AS Bank system
- Excellent knowledge of Armenian, good knowledge of English and Russian is desirable

Required Qualifications

Responsible for providing customer service, handling cash transactions including receiving and dispensing cash.

Accontant | Artashat branch 

- Accounting for NPL loans and recording information on statuses in the Bank's NPL registry.
- Analysis of NPL cases. 
- Conducting negotiations with loan participants to ensure repayment of overdue loans.
- Preparation of reports focused on recovery of distressed assets.
- Implementation of assignments of the Bank's collegial bodies.
- Based on the Bank’s internal legal acts and the decisions of its collegial bodies, the extrajudicial enforcement of collateral for non-performing loans or the acceptance of such collateral into the Bank’s ownership.

- Higher education in economics or law
- Knowledge of banking legislation and regulations
- At least 3 years of banking experience
- Strong communication skills
- Good written communication skills
- Proficiency in MS Office and AS-Bank software
- Knowledge of English and Russian languages

Implementation of recovery of distressed assets secured by collateral.

Leading specialist of Corporate Distressed Assets Recovery Unit

- 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)

Job responsibilities

- 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

- End-of-day processing summary in the processing center,
- Execution of clearing and file exchange with payment and settlement systems,
- Processing of card transactions, reconciliation of files and reports,
- Registration and servicing of e-commerce and point-of-sale (POS) terminals,
- Conducting analytics for card projects,
- Performing testing for card projects.

Job responsibilities 

- Higher education in economics, mathematics, or technical fields
- At least one year of work experience in the banking system
- Experience with payment and settlement systems is desirable
- Knowledge of legislation regulating the activities of payment and settlement systems
- Proficiency in MS Office
- Well-developed communication skills
- Ability to work within strict deadlines
- Proficiency in Armenian, Russian, and English (both written and spoken) 

Summary of the operating day in processing, implementation of final settlement, processing of card transactions, comparison of processing files and reports. Registration and maintenance of online trading and service points

Card projects chief analyst

- 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 bankruptcy auctions and acquisition of property, 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 lawer

- Preparation of meeting agendas, minutes, draft decisions, and extracts
- Organizing meetings, consultations, and discussions initiated by the Chairman of the Supervisory Board and Board members, and recording their minutes if needed
- Providing appropriate technical support during meetings and sessions of the Board and its committees (Nasdaq / Zoom / Google Calendar invitations)
- Carrying out software operations of the corporate governance platform in the Bank, providing technical support, managing user permissions, and ensuring the uninterrupted functioning of the system
- Monitoring the deadlines for the implementation of instructions and assignments from the Chairman of the Supervisory Board and members of the Board
- Monitoring the compliance with deadlines for the submission of reports by the Bank’s management bodies and divisions
- Verifying the compliance of documents submitted to the Chairman of the Supervisory Board and Board members with the Bank’s internal legal acts
- If necessary, provide verbal or written translations in Armenian or English
- Booking airline tickets and hotel accommodations for gatherings or events
- Performing other functions related to the activities of the Supervisory Board, its members, and the General Meeting of Shareholders

- Higher education
- At least 2 years of work experience in the financial sector
- In-depth knowledge and practical skills in document management and office coordination
- Familiarity with business communication principles
- Proficiency in Microsoft Office, Nasdaq, Mulberry, and Jira applications
- Excellent command of Armenian, English, and Russian languages

The main responsibility of the Assistant to the Chairman of the Board is to assist in ensuring the effective functioning of the Bank's General Meeting of Shareholders, the Board, and its affiliated committees.

Assistant to the Chairman of the Supervisory Board

- 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

 Job responsibilities

- 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 | Ashtarak Branch

- Greets branch customers
- Provides  counseling regarding banking products and services
- Performs quick customer service (acceptance of utility payments, loan repayments of individuals, etc.) through appropriate payment terminals in the branch
- Performs sales and activation of Internet and Mobile banking systems
- Implements the process of issuing plastic cards to customers
- Performs general administration of the service hall
- Executes the monthly sales plans

Job requirements

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


Welcoming customers, identifying and directing requests in the branch, fast and quality service.

Hall administrator Ashtarak branch

- Analyze the security of developed and existing software and its structure, identify vulnerabilities, 
- Implement infrastructure ensuring a secure software development life cycle, define and monitor security requirements,
- Test and apply methods and tools for automating secure software development processes,
- Implement work aimed at ensuring the security of information systems, regularly reviewing existing risks,
- Identify current threats and take measures to eliminate them,
- Participate in the investigation of information security incidents and events,
- Review audit reports from organizations that have conducted information security management system audits and implement measures to address identified deficiencies,
- Support the team in developing and improving information security policies and guidelines.

Job Responsibilities:

- Higher technical education
- At least 1 year of work experience
- Fundamental knowledge of information security, computer networks, and infrastructure security
- Understanding of IT infrastructure security architecture principles
- Knowledge of operating systems and experience working with servers
- Familiarity with modern software development processes and practical methodologies
- Skills in using source code analysis tools, investigating and resolving identified issues
- Knowledge of programming languages (Python, Bash, PowerShell, etc.) and networking fundamentals
- Knowledge of ISO/IEC 27001 information security standard requirements,
- Proficiency in English (professional level)
- Good command of Russian.

Requirements:

Perform security architecture studies of existing and emerging solutions in IT infrastructures. Constantly monitor vulnerabilities and take measures to eliminate them.

Information security engineer

- Monitor and analyze events using SIEM, WAF, IDS/IPS, and EDR systems,
- Investigate potential security incidents, assess their severity, and carry out response measures to mitigate their impact and prevent future occurrences,
- Perform real-time threat analysis,
- Maintain incident logs and prepare reports on information security incidents, vulnerabilities, and related trends,
- Conduct preventive security measures,
- Support the team in developing and improving information security policies and guidelines.

- Higher technical education
- At least 1 year of work experience
- Fundamental knowledge in information security, computer networks, and infrastructure security
- Knowledge of TCP/IP, DNS, HTTP, TLS, IPSec and VPN technologies
- Practical experience with SIEM, IDS/IPS, EDR/XDR, SANDBOX, and FIREWALL systems
- Proficiency in Linux and Windows operating systems, with experience working on servers
- Knowledge in the fields of information security and cybersecurity
- Ability to investigate incidents, respond to cyber incidents, and assess risks
- Relevant certifications in the field will be considered an advantage
- Proficiency in English (professional level)
- Good command of Russian

Conduct research and analysis of information security events and cyber incidents within IT infrastructures, and carry out response actions to mitigate and prevent their impact.

IT Security Analyst

- Analyze and plan proposals for changes in internal legal acts submitted by interested parties, and present proposals for amendments.
- Analyze internal processes of the bank, submit and implement suggestions for modifications/improvements.
- Analyze newly introduced business processes and ensure their alignment with existing processes and internal regulatory framework.
- Clarification of current issues related to internal legal acts by the structural and territorial divisions of the Bank.
- Organize the process of approval of internal legal act drafts received from structural and regional divisions, in accordance with Bank procedures. 
- Present proposals aimed at making changes in existing internal legal acts or eliminating inconsistencies. 
- Organizing discussions (also electronically) on projects for introducing/amending internal legal acts and business processes.
- Upload approved internal legal acts into the internal legal act information system and archive invalidated acts. 
- Review and compliance of internal legal acts with the standard form of internal legal acts in force at the Bank.

- Higher education
- At least 1 year of work experience in the banking sector
- Knowledge of banking products
- Knowledge of legislation regulating banking activity
- Attention to detail
- Ability to formulate and express thoughts clearly
- Excellent verbal and written command of Armenian
- Knowledge of Russian and/or English
- MS Office

Requirements

Implementation and improvement of business processes in the bank, review of internal legal acts.

Business Process Optimization Chief Specialist 

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

Job responsibilities:

- 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

- Lead end-to-end project lifecycles, including initiation, planning, execution, monitoring, and closure.
- Coordinate with internal departments and external stakeholders (CBA, SRC, payment systems, vendors).
- Maintain accurate project documentation and ensure compliance with governance standards.
- Track milestones, identify risks, and implement mitigation measures.
- Support the rollout of digital and process improvement initiatives aligned with the Bank’s strategy.

Key Responsibilities

- University degree in Finance, Business, IT, or a related field **will be considered an advantage**.
- Minimum **2–3 years of experience** in project management, preferably in the banking sector.
- Experience in **regulatory, digital, or operational transformation projects**.
- Knowledge of **project management methodologies** (Waterfall, Agile).
- Excellent organizational, analytical, and communication skills.
- PMP, PRINCE2, or similar certification **will be considered an advantage**.
- Fluency in **Armenian, English, and Russian**.

- Opportunity to lead impactful and innovative projects across the Bank.
- Professional growth and development within a dynamic environment.
- Competitive salary and benefits package.

We Offer

We are looking for a proactive and organized Project Manager to lead and coordinate bank-wide initiatives — from regulatory compliance and digital transformation to operational excellence. 

Project Manager 

- 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

Hall Administrator

- Retrieving data from SQL databases regarding the Bank's business processes, processing and analyzing it,
- Creating new reports and dashboards, automating existing reports,
- Participation in various analytical projects,
- Development and optimization of the data management system in cooperation with the programming team.

- Higher education in economics, finance or mathematics,
- At least 1 year of relevant professional experience,
- Experience in data analysis and visualization,
- Experience with SQL,
- Experience with Power BI,
- Knowledge of Python programming language will be considered an advantage,
- Developed analytical skills and flexible thinking.

Retrieving data from SQL databases, processing and analyzing it regarding the Bank's business processes.

Data Analyst

- Constant market research and search for new suppliers
- Clarification of needs with internal departments
- Collection, comparison and analysis of price offers
- Conducting negotiations with partners regarding prices, payments, and delivery terms
- Ordering goods according to purchase requests, categorizing them, and approving related invoices for payment purposes
- Preparing and signing contracts with suppliers
- Checking the quality of supplied goods and services

- Higher education
- 2 years of work experience in procurement
- Negotiation skills
- Excellent communication skills
- Ability to work in a dynamic, fast-changing environment
- Ability to work in a team
- Knowledge of MS Office
- Excellent command of Armenian language
- Knowledge of Russian or English language

Organization of necessary procurements for the bank's needs.

Procurement Leading Specialist

- Preparation, amendment, review, refinement, and approval of necessary civil law contracts (employment, sale, lease, service provision, work performance, etc.), agreements, and other documents to ensure the smooth operation of the bank. 
- Preparation, modification, review and approval of bank-related contracts (loan, pledge, guarantee, deposit, card, bank account, etc.). 
- Clarification of legal issues arising during customer service, including studying document packages and providing legal opinions.
- Preparation of drafts of the bank's internal legal acts (rules, procedures, administrative acts, guidelines, orders, decisions, instructions, powers of attorney, and other organizational documents), independently or participating in their development; providing opinions on internal legal acts and other documents submitted, including changes or termination of their validity; initiating and/or implementing changes to internal legal acts and other documents due to legislative amendments. 
- Reviewing letters received from the Central Bank of the Republic of Armenia, Banks Association, lawyers, notaries, and other state bodies, organizations, and individuals, preparing response drafts independently or participating in their development.
- Reviewing demands received from the Financial System Mediator’s Office, preparing responses, and conducting negotiations.
- Providing legal consultation to the bank’s branches and structural subdivisions.

- Higher legal education (qualified lawyer).
- Knowledge of civil, banking, labor legislation, and other related legal acts.
- 2-5 years of work experience as a legal advisor, at least 1-3 years of which in banks or credit organizations.
- Excellent command of spoken and written Armenian; knowledge of Russian and/or English is an advantage.
- Proficiency in Microsoft Office and Outlook.
- Excellent skills in formulating and writing thoughts.
- Time management skills.
- Effective communication skills.
- High sense of discipline and responsibility.

Providing support and professional development during the implementation of the Legal Department and the Service functions.

Leading Specialist of Legal Support Service

- Manage a portfolio of Premium clients, ensuring personalized and high-quality service.
- Analyze clients’ financial needs and offer appropriate banking solutions.
- Perform active and cross- selling tailored to client needs.
- Promote the use of the bank’s products and services taking into account the clients’ interests.
- Build and maintain trusted relationships with clients.
- Coordinate with internal departments to ensure effective customer service.
- Handle necessary documentation.
- Prepare periodic reports and other duties based on job responsibilities.

- Higher education in Economics, Finance, Banking or related fields.
- At least 1 year of work experience in the banking sector.
- Strong communication and negotiation skills.
- Customer-focused mindset.
- Ability to orientate quickly.
- Flexibility.
- Good knowledge of Russian and English languages (both written and verbal).

The manager will be responsible for providing personalized service to the bank’s Premium clients, assessing their financial needs, offering suitable products, and managing long-term relationships.

Premium Client Manager

- 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
- 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

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

Court Service Leading specialist of Legal Department

- 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 | Vanadzor Branch

- 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 

- 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

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.

- 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).

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

 Work schedule 

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

Service Clerk | «Kentron» Branch

- 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

- 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

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.

- 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. 

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 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.

- 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

- 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

- 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


- 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

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