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Vacancies

- 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

Job responsibilities

- 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

Necessary requirements

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

Financial advisor | “Hrazdan” branch 

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

- Higher education, preferably in the sphere of finance and/or economics
- 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

Required qualifications

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

Service Clerk at Customer Service and Cash Operations Unit

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

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

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

Chief specialist of Corporate Business Sales Unit

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


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

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

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


Key Responsibilities

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


Qualifications & Experience

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


Key Competencies & Traits

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

Head of retail business 

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

Job description

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


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

Chief specialist of Bankruptcy Case Distressed Assets Recovery Unit

- 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 | «Hrazdan» Branch

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

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

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

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

Proper implementation of the compliance function within the Bank.

Head of Compliance Maintenance Service  

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

Job Summary

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


Job Responsibilities

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



Required Qualifications

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

Business Analyst (AS Bank job Announcement)

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


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


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

Card technologies manager

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


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


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

Financial Adviser | «Alashkert» Branch

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


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


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

Storekeeper 

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

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


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


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

Hall administrator | "Zvartnots" branch

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


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


Jeweler | Gyumri Branch

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


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


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


Responsibilities

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


Deadline: 03.20.2025

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

Retail Program Coordinator

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


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


Deadline: 17.03.2025

Non-Resident Customer Service Manager 

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


Deadline: 13.03.2025

Jeweler | Vanadzor branch 

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


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


Deadline: 02.03.2025

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

Regulatory reporting unit specialist

Deadline: 03.03.2025

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


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


Deadline: 27.02.2025

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

Leading specialist of Corporate Distressed Assets Recovery Unit

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


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


Deadline: 23.02.2025

Organization and coordination of branch activities.

Branch Manager | Yerevan Branch Network  

Deadline: 21.02.2025

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


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


Client manager of Corporate Business Sales Unit

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


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


Deadline: 15.02.2025

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

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


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


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

Deposit Products Responsible

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


Responsibilities 

- Knowledge of banking legislation
- Higher economic education
- Excellent knowledge of Armenian language (written and spoken)
- Knowledge of Russian and English 
- Knowledge of Microsoft Office  
- Knowledge of ARMSOFT programs


Deadline: 13.02.2025

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

Settlement Operations Unit specialist

- Provide consultations to current and new customers on the services and products rendered by the bank
- Provide technical support related to the systems available to customers
- Perform of cross-selling inbound calls
- Conduct outgoing phone calls to various target groups aimed at sales promotion, as well as calls based on the pre-approved lists arising from the needs of the company
- Identify and resolve client concerns, as well as redirect inbound inquiries to the relevant divisions of the Bank or to the immediate manager of the Bank in specific cases information about the proposed and unresolved issues to the relevant departments or to the direct manager
- Accept complaints and suggestions received via phone calls from customers and redirect to coordinators
- Perform other duties as assigned

- Higher education
- One year work experience in customer service
- Knowledge of banking legislation
- Knowledge of MS Office, AS-Bank
- Excellent communication and interpersonal skills
- Ability to work in a dynamic, rapidly changing environment
- Ability to work in a team
- Excellent command of Armenian 
- Good knowledge of Russian or English languages


Deadline: 25.01.2025

Provide immediate assistance to current and potential customers of the Bank via phone, correspondence through social sites and other online platforms. Outbound phone calls to initiate sales promotion.

Phone Customer Service Specialist

SME and Corporate Products Responsible

- Preparation of managerial reports and dashboards using actual analytical tools (SQL, Python, Power BI) 
- Implementation of different analytical projects
- Making deep automation of reports and database optimization
- Writing analytical reviews based on the results of current reports


- Higher education in economics, finance, or mathematics,
- At least 2 years of relevant professional work experience
- Experience in analyzing and visualization of data;
- Knowledge of Python and experience in data analysis using Python
- Working experience in SQL and Power BI;
- Strong analytical skills with ability to process and interpret complex data


Deadline: 24.01.2025

Implementation of analytical projects, new reports development and deep automation.

Data Analyst

- Charting the product and service implementation path from development to launch
- Development and implementation of new products and business processes
- Ongoing maintenance and continuous development of existing products and business processes
- Research, implementation and ongoing maintenance of support programs
- Development of software and process automation requirements
- Market and new trends research, presentation of promotional proposals
- Product profitability and other target indicators analysis
- Collaboration with internal and external partners, public and private bodies inclusive
- Compilation of normative-methodological documents
- Compilation of training materials on products


- Higher education in economics, management or finance
- Minimum of two years of experience in banking
- Experience with banking products will be an advantage
- Knowledge of RA law on banks and banking activities
- RA Law on Payment and Settlement Systems and Payment and Settlement Organizations
- Knowledge of MS Office 
- Knowledge of AS system
- Proactivity and high sense of responsibility
- Excellent communication skills
- Proficiency in Armenian, Russian and English languages (written and spoken)


Deadline: 11.01.2025

Designing commission and other non-credit products rendered by the bank to individuals and relevant processes, organization of business processes.

Comission products owner

- Consideration of SME loan applications
- Verificaiton of the incompleteness of the loan package according to the respective loan type requirements 
- Verification of credit history according to the relevant loan type requirements in the Bank
- Financial data compliance check 
- Calculation of solvency ratios
- Completion of available credit limit calculation taking into account the above checks

- Higher economic, technical or legal education
- At least two years of work experience in the financial system (business loans)
- Knowledge of banking legislation 
- Communication, collaboration, organizational, consulting skills, teamwork ability 
- Good command of oral and written Armenian language
- Knowledge of Russian and/or English languages

Deadline: 13.01.2025

Verification of financial data compliance for SME loans.

Leading specialist of small business loan underwriting service

- Monitoring liquidity and capital management limits and restrictions set by other legal acts, implementing  and performing control functions
- Implementation of liquidity and capital management analyses, monitoring and preparation of relevant reports for the bank's management and the Central Bank. (ICAAP, ILAA, Liquidity Contingency Plan, Recovery Plan
- Regular monitoring of the normative indicators of the Central Bank of Armenia.
- Ongoing liquidity control, planning/forecasting
- Support for Transfer Pricing Management
- Support for preparation of ALCO package components
- Financial market monitoring
- Other analysis related to asset, liability and capital management 
- Implementation of current instructions given by the manager


- Higher education in the field of economics, management or finance
- 3+ years of work experience in financial banking system
- Excellent knowledge of financial banking reporting structure
- Knowledge of main regulatory framework
- Excellent knowledge of MS Office
- Knowledge of AS system
- Quick decision-making and orientation skills
- Analytic skills
- Ability to  meet deadlines
- Advanced teamwork and communication skills
- Ability to negotiate and collaborate with departments
- Excellent knowledge of Armenian, good knowledge of Russian and English


Deadline: 01.11.2025

Assessment and management of bank liquidity, capital and interest rate risk.

Manager of Assets, Liabilities and Capital Management (ALCM)

- Development of credit risk assessment methods, models, presentation of recommendations
- Compilation and presentation of reports based on portfolio risk analysis
- Obtaining, processing and analyzing data on the bank's business processes from SQL databases
- Development and optimization of the data management system in cooperation with the programming team


- Higher mathematics, economics or finance education
- At least two years of relevant professional experience (preference is given to candidates with experience in the fields of credit portfolio risk management and/or lending)
- Ability to perform statistical and financial analysis
- Knowledge of Microsoft Excel 
- Knowledge of Power BI and AS-Bank, 4.0, SQL 
- Knowledge of Python programming language
- Good knowledge of Russian and English languages


Deadline: 06.01.2025

Implementation of the bank's credit portfolio analysis and portfolio risks assessment.

Retail Credit Risk Management Unit Chief Specialist 

Working hours 09:00-21:00 and 21:00-09:00

- 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


Deadline: 29.12.2024

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

Hall administrator Zvartnots branch

Deadline: 03.04.2025

- Preparation  of meetings of the Supervisory Board and the General Meeting of Shareholders
- Making drafts and extracts of minutes and resolutions of the sessions 
- Organization of consultations, discussions and meetings convened at the initiative of the Chairman of the Supervisory Board, and if necessary, taking minutes of them/(recording)
- Control over compliance with deadlines for the execution of instructions and orders issued by the Supervisory Board and the Chairman of the Supervisory Board
- Control over the deadlines for submission of reports to the Supervisory Board from the Bank's managers and departments
- Verification of documents submitted to the Supervisory Board and the Chairman of the Supervisory Board - compliance with the requirements of the Bank's internal legal acts
- Other functions related to the activities of the Supervisory Board and the General Meeting of Shareholders


- Higher education (law or related)
- At least two years of work experience in financial system
- Knowledge of document management and office work
- Knowledge of business communication rules
- Knowledge of Microsoft Office, Mulberry, Jira software
- Excellent knowledge of Armenian, English and Russian


Deadline: 21.12.2024

Organization of the work of the Supervisory Board and the general meeting of Shareholders, preparatory works and documentation related to the organization of convening and holding of the sessions.

Secretary of the Supervisory Board

- Implementation of chargebacks in international payment systems, preparation of official letters
- Compilation and submission of reports to payment systems, relevant departments
- Implementation of card reissuance function in case of software problems
- Verification and approval of card transactions sent offline
- Sharing and importing of file
- Submission of monthly and quarterly reports to VISA, MasterCard payment systems
- Verification of invoices received from payment systems
- Submission of LAT reports
- VISA CONCIERGE CHAT BOT Service Base Management


- Higher economic or mathematical education 
- At least three years of working experience in the banking system
- At least one year of experience in payment systems
- Knowledge of legislation regulating payment systems
- Proficiency in MS Office
- Knowledge of SQL or Python programming would be an advantage
- Ability to navigate quickly 
- Excellent oral and written command of the Armenian language
- Good knowledge of Russian and English languages


Deadline: 24.12.2024

Handling international appeals as well as compiling card reports. Preparation of international payment systems reports, correction of errors /QMR, GOC, LAT, CIF/.

Card Remote Service and Reporting Unit Chief specialist

- Conducting negotiations with supplier companies, signing cooperation agreements
- Constant communication with cooperating suppliers, customer service directed by the latter
- Signing exclusive contracts with suppliers
- Involvement of leasing clients, as well as relevant service
- Collection of necessary documents for leasing, provision of appropriate document circulation, signing of contracts
- Initiation and implementation of measures aimed at leasing development 
- Controlling and managing the process of acquisition and/or import of leasing items
- Simplified leasing analysis and process management

- Higher education
- At least three years of experience in the banking system
- Experience in engaging and servicing corporate clients
- Knowledge of banking sphere
- Knowledge of the legislation and regulatory framework regulating banking activities 
- Knowledge of accounting
- Computer skills
- Knowledge of foreign languages


Identifying and engaging corporate leasing clients. Conducting negotiations with supplier companies, establishing and maintaining contact.

Leasing Operations Chief specialist

- Software for newly installed ATM’s and POS Terminals
- Technical and software maintenance of ATM’s and POS Terminals
- Performance of preventive inspections
- Online monitoring of ATM’s and POS Terminals
- Participation in the process of charging ATM’s and POS Terminals
- Sending and receiving confiscated cards from ARKA processing center

- Advanced technical, mathematical or economic education
- At least two years of experience in the banking system 
- Knowledge of the legislation regulating the activity of payment systems
- Communication skills
- Problem solving
- MS Office knowledge
- Excellent command of Armenian language
- Good knowledge of Russian or English languages

Deadline: 20.12.2024

Ensuring uninterrupted operation of ATMs, charging/discharging 

Chief Specialist of ATM & POS Service Unit

- Expansion of the network of POS terminals by the Bank at ATMs, cash points and trade or service points, internet stores, identification of new customers, attraction, conclusion of agreements.
- Implementation of payment instrument service network organization and payment instrument service provision by the Bank via POS terminals at ATMs, cash points and trade or service points, internet stores
- Ensuring the full range of competencies and obligations for the development of ATMs and commercial network
- Ensuring the necessary communication and information flows between ATMs and commercial network development group and other structural independent and territorial divisions of the Bank.
- Constant control for the purpose of increasing the efficiency of ATMs and commercial network development group, organization of work and improvement of provided services
- Strategy development, competitive position assessment and proposal presentation
- Ensuring plan indicators


- Higher education in economics or related fields
- At least two years of work experience in the banking system
- Knowledge of banking legislation
- Strategic thinking
- Problem solving
- Communication skills
- Time management
- Analytical thinking
- Knowledge of MS Office, AS-Bank programs
- Excellent command of Armenian 
- Good knowledge of English 


Deadline: 07.12.2024

Management of ATM and commercial network development activities. 

ATM and commercial network development manager

- **Recruitment and Staffing**: Lead the recruitment process for the IT department, ensuring the attraction, selection, and onboarding of top talent to meet the department’s growing needs.
- **Talent Management**: Develop and implement talent management strategies, including workforce planning, career development, and succession planning, to build a strong talent pipeline within the IT team.
- **Employee Development**: Partner with IT leadership to identify development opportunities and provide coaching, training, and mentorship programs that enhance employees' skills and performance.
- **Performance Management**: Oversee the performance management process, including goal setting, feedback, and performance appraisals, to drive accountability and continuous improvement within the IT department.
- **Employee Relations**: Serve as the primary HR point of contact for IT employees, addressing employee concerns, fostering a positive work environment, and ensuring compliance with company policies and labor laws.
- **HR Strategy Alignment**: Collaborate closely with IT leaders to understand the department's goals and challenges, ensuring HR initiatives are aligned with business objectives and help drive overall departmental success.
- **Workforce Planning**: Support the IT department in analyzing workforce needs, managing organizational changes, and ensuring appropriate staffing levels to meet business demands.
- **Compensation and Benefits**: Provide insights on industry trends and work with the compensation team to ensure competitive and fair compensation practices within the IT department.
- **Employee Engagement**: Develop and implement strategies to promote employee engagement, foster a culture of innovation, and enhance retention within the IT team.
- **HR Policy Implementation**: Ensure the implementation of HR policies and procedures within the IT department and provide guidance on any adjustments required to meet department-specific needs.

- Bachelor’s degree
- At least 2 years of experience in an HR Business Partner role is highly desirable
- Proven experience in supporting technical or IT teams is a must
- In-depth knowledge of HR best practices and employment laws
- Strong problem-solving and analytical skills, with the ability to influence and drive results
- Excellent proficiency in both English and Russian (written and spoken) is required
- Excellent communication, interpersonal, and organizational skills
- Ability to adapt in a fast-paced, changing environment


Qualifications

- Strategic Thinking: Ability to understand the bigger picture and develop HR solutions that align with both the IT department's and the organization’s objectives
- Relationship-Building: Strong interpersonal skills with the ability to establish trust and rapport with both IT leadership and employees
- Problem-Solving: Proficiency in identifying HR-related issues within the IT team and proposing solutions that enhance productivity and engagement
- Leadership and Influence: Capable of leading initiatives and influencing key stakeholders within the IT department to adopt best HR practices
- Communication Skills: Exceptional verbal and written communication skills to effectively collaborate with diverse teams
- Adaptability: Ability to thrive in a fast-paced, evolving environment while managing multiple priorities
- Analytical Mindset: Strong analytical skills to interpret data, assess trends, and make evidence-based decisions regarding workforce management and employee development


Competencies and Skills

Deadline: 24.11.2024

AMIO Bank is looking for a dynamic and strategic HR Business Partner who will closely cooperate with the IT Department

HR Business Partner for IT 

- Internal computer network design
- Selection of computer hardware and other network equipment
- Configuring computer hardware and other network equipment
- Setting up printers and copiers
- Configuring network phones
- Installation of other computer equipment at the head office and branches
- Daily maintenance of computer and other network equipment


- Higher or secondary professional education 
- One or more years of work experience
- Technical skills (computer skills, ability to learn new programs quickly)
- High sense of duty
- Teamwork ability 
- Ability to quickly navigate in complex situations
- Stress resistance
- Excellent knowledge of the Armenian language, knowledge of English and Russian languages


Deadline: 23.11.2024

Perform first-level technical support, technical troubleshooting, and administration and maintenance of IT systems, including hardware, software, and network components.