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Vacancies

- 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.

Job responsibilities

- Higher education in economics, law, or engineering
- At least 2 year of work experience in the financial-banking sector
- Knowledge of banking regulations and related legislation
- Leadership skills
- Communication skills
- Time management
- Analytical thinking
- Proficiency in MS Office and Mulberry 
- Excellent command of Armenian
- Basic knowledge of Russian or English

Necessary requirements

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

Leading Specialist of Centralized Credit Operations Unit

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

 Job responsibilities

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

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

Senior lawyer

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

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

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

Leading specialist of Corporate Distressed Assets Recovery Unit

Working hours: 

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

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

 Necessary requirements

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

Call Center Specialist

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

Responsibilities:

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

Necessary requirements:

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

 Leading Specialist of Administrative Services

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

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

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

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

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

Job Responsibilities

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

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

Required Skills

The Customer Experience Specialist is responsible for monitoring the quality of service and positive experience across all channels of communication with customers. 

Chief Customer Experience Specialist 

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

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

Required qualifications

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

 Service Clerk at Customer Service and Cash Operations Unit | «Nalbandyan» Branch 

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

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

 Bank Liquidity Assessment and Management.

Liquidity manager

Work in shifts

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

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

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

Service Clerk | «Kentron» Branch

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

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

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

Remote Sales Manager

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

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

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

Financial Adviser | Ashtarak Branch

- Drafting and submission of statements of claim and applications within the time limits and in the manner established by the Bank’s internal legal acts.
- Be enrolled and participate in person in judicial proceedings at courts 
- Preparation and presentation of necessary motions, responses, objections, applications and other procedural documents within the examination of cases
- Conclusion of settlement agreements, execution of accounting control in the scope of judicial process 
- Preparation and submission of appellate and cassation appeals, responses
- Submission of applications for issuance of writs of execution, as well as control over whether or not they are sent to the enforcement service by the courts
- Submission of proposals aimed at solving cases in proceedings
- Maintenance of relevant files for pending court cases
- Compilation of reports regarding service functions 
- Observing and fulfilling the requirements and duties defined by the relevant internal legal acts of the Bank’s functions 

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

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

Court Service Leading specialist of Legal Department

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

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

Requirements

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

Head of Accounts Management and Depository Department

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

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

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

Chief Specialist of Internal Accounting 

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

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

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

Senior Specialist, Financial Risk Management Department

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

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

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

Leading Specialist of Card Remote Service and Reporting Unit

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

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

 Organization and coordination of branch activities.

Branch manager | Ejmiatsin Branch

Branch Manager | Vanadzor Branch

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

Key Responsibilities

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

Required Qualifications

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

Performance Management Senior Specialist

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

Organization and coordination of branch activities.

Branch manager | Yerevan Branch Network  

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

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

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

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

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

Jeweler | Ejmiatsin branch

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

Jeweler 

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

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

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

Senior Specialist of Property Valuation and Revaluation 

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

Work responsibilities

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

Required qualifications 

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

Hall Administrator

- Review of commercial loans analyses conducted by business units and verification of compliance with internal policies and procedures
- Review of analyses and verification of compliance with internal policies and procedures
- Provision of professional support to the relevant business unit in the preparation and analysis of credit applications
- Identification and assessment of business loan risks, setting conditions aimed at managing the identified risks, and providing conclusions
- Participation in the development of internal regulatory documents governing commercial lending, submission of proposals, and implementation of amendments to existing internal regulations
- Development and enhancement of the internal credit scoring system for legal entities
- Assessment of risks related to the introduction of new credit products
- Preparation of periodic reports on the quality of the credit portfolio

- Higher education in economics, finance, risk management, or related fields
- 5+ years of work experience in the banking sector, particularly in medium and large business lending and/or business risk management
- Excellent knowledge of the business lending process
- Experience and strong knowledge in preparing, reading, and analyzing companies’ financial statements
- Advanced proficiency in MS Office, particularly Excel
- Knowledge of banking operations and banking legislation
- Excellent knowledge of credit risk assessment methods
- Good command of Russian and English

Assessment of credit risks within the review of corporate and MSME credit applications, and submission of proposals aimed at mitigating and managing the identified credit risks.

Senior Specialist in Corporate and MSME Credit Assessment

- Submit proposals on improving the organization of the department’s activities.
- Participate in the development of legal acts regulating the department’s functions.
- Summarize the results of the department’s activities and report them to the immediate supervisor.
- Conduct studies, analyses, and prepare proposals on securities and money markets and submit them to the immediate supervisor.
- Negotiate with participants of securities and money markets (including foreign participants) and execute transactions in securities and money markets.
- Support the implementation of current and short-term liquidity monitoring and supervision of compliance with mandatory reserve requirements.
- Participate in the development of legal acts regulating the department’s functions.

- Higher education
- At least five years of work experience in the securities market / banking system
- Availability of a document confirming completion of at least Level I of the CFA (Chartered Financial Analyst) exam, or the ACI Dealing Certificate of the ACI (The Financial Markets Association) (hereinafter referred to as the ACI Certificate)
- Good knowledge of the securities market
- Knowledge of legislation regulating the securities market and banking activities, as well as banking practices
- Knowledge of document management and office administration fundamentals
- Proficiency in Armenian, Russian, and English languages

Implementation of operations in securities and money markets.

Head of Securities Operations Service 

Working hours:

- Counseling within the scope of business lending for corporate clients, visiting their business locations, and conducting business analysis
- Collecting and verifying information required for corporate client analyses
- Preparing and presenting relevant conclusions on the economic activities of corporate clients within the scope of business lending, together with the relevant departments of the bank
- Presenting loan applications at the Board and/or Credit Committee meetings
- Transfer of the complete package to the appropriate department of the bank to organize the further lending process.
- Ensuring financial procedure for corporate business clients.
- Carrying out current assignments of the head of the department.

- Higher Education
- At least 3 years of experience in banking or related fields
- Knowledge of legislation regulating banking activities
- Knowledge of financial analysis
- Knowledge of accounting
- Strong communication skills
- Time management skills
- Negotiation skills
- Excellent knowledge of Armenian (written and spoken)
- Knowledge of Russian and/or English

Chief specialist of Corporate Business Analysis

- Design, implement, and maintain the Bank’s network infrastructure, including LAN, WAN, VPN, and Firewall systems.
- Administer and monitor servers, virtualization environments (VMware/Hyper-V), and storage systems.
- Ensure high availability and optimal performance of IT systems and services.
- Deploy security solutions, manage access controls, and perform regular system audits.
- Troubleshoot network and system issues, performing root-cause analysis and timely resolution.
- Participate in IT infrastructure upgrade projects and technology modernization initiatives.
- Ensure compliance with internal IT policies, security standards, and regulatory requirements.
- Provide technical support to internal teams and collaborate with external vendors when needed.


- Bachelor’s degree in Information Technology, Computer Science, or a related field.
- 3+ years of experience in network/system administration or engineering.
- Strong knowledge of network protocols (TCP/IP, DNS, DHCP, routing, switching).
- Hands-on experience with firewalls, VPN technologies, and network security solutions.
- Experience with Windows and/or Linux server administration.
- Familiarity with virtualization platforms (VMware, Hyper-V).
- Experience with monitoring and logging systems (e.g., Zabbix, Grafana, ELK) is a plus.
- Relevant certifications (CCNA/CCNP, MCSA, RHCSA) will be considered an advantage.
- Strong analytical thinking, attention to detail, and problem-solving skills.
- Ability to work in a fast-paced, team-oriented environment.
- Strong communication, and collaboration abilities.
- Proficiency in Armenian, Russian. English is a plus. 


Amio Bank is seeking a skilled System Engineer to support stable and secure IT infrastructure. If you enjoy building reliable systems and working with modern network technologies, we would love to meet you.

System Engineer

- Contribute to the development and maintenance of infrastructure built on virtual machines (VMs) in local data centers.
- Automate deployment, configuration, and infrastructure management using Ansible, Terraform, and Bash/Python scripts.
- Work with various containerized environments.
- Support and improve CI/CD pipelines in GitLab CI.
- Set up and maintain the observability system (Grafana stack).
- Integrate DevOps practices with internal security, audit, and regulatory requirements.
- Participate in on-call processes together with more experienced engineers.
- Propose and implement improvements in infrastructure and processes.

Responsibilities

- 2+ years of experience as a DevOps Engineer.
- Strong knowledge of Linux, networking, bash, and at least one automation language (Python, Go, etc.).
- Practical experience with Grafana Stack or similar monitoring/observability systems.
- Experience working with Ansible, Terraform, or other IaC tools.
- Experience supporting CI/CD pipelines (GitLab).
- Understanding of container orchestration basics (k8s, Swarm) and willingness to grow in this area.
- Experience operating PostgreSQL, MongoDB, Redis, Elasticsearch, Kafka.
- Independence, responsibility, and ability to own tasks and drive them to completion.
- Proficiency in Armenian, Russian. English is a plus.

- Experience in implementing Platform Engineering.
- Knowledge of ISO/IEC 27001, PCI DSS.
- Experience working with cloud providers.
- Ability to write technical documentation.

Nice to Have

We seek a DevOps Engineer to help develop and maintain our bank’s infrastructure, automate processes, support monitoring, and ensure high service availability as part of a mission-critical team.

DevOps Engineer

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

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

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

SME Manager | «Nalbandyan» Service Center

- 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

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.

Bank Liquidity Assessment and Management.

- 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.

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

- 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

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

Business Process Optimization Chief Specialist 

Job responsibilities:

- 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.

- 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 

 Required qualifications 

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

- 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.

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.