• Provides legal updates and translate legal requirements to ensure Amret's activities are conducted in conformity with laws and regulations;
• Works proactively with Senior Management and internal Departments to ensure that regulatory risks have been identified and taken appropriate course of action;
• Assesses Legal implications and advice on things such as; high value transactions, contracts, loan documentation and internal policies;
• Participates or takes lead in negotiations with prospective business partners and authorities and liaises with external Legal Counsel, if needed;
• Gives advice and review the progress of outstanding litigation to protect company’s interest;
• Oversees the provision of internal trainings to sales force on legal topics such as; contract law and land law;
• Supports the corporate secretary duties;
• Contributes to the design of regulatory compliance testing;
• Coaches Legal Team to improve their capacity in performing jobs;
• Undertake other duties as may be assigned by Head of Legal and Compliance from time to time.

• Manages the maturity of Assets and Liabilities by ensuring the institution can meet all obligations in the next time frame and provides effective recommendations for critical decision making to the committee;
• Analyzes Assets and Liabilities Management reports to ensure the company is not exposed to financial risk and provides recommendations to ALCO committee in maximizing profitability;
• Develops and revises Assets and Liabilities Management policies to maximize net interest income and minimize risks due to mismatch between assets and liabilities;
• Analyzes funding and lending costs to provide recommendations for critical profit enhancing decisions by ALCO;
• Monitors and manages on all regulatory and internal ratios to ensure the institution is always in compliance and alerts Management shall there is any possibilities of the breach;
• Monitors liquidity risk, market risk and counterparty risk to ensure the institution is operating profitable with lowest risk;
• Develops and analyzes savings volatility by product types and currency to manage or forecast savings stability for the company;
• Analyzes savings withdrawals before and on maturity by product types and currency to know the percentage of monthly withdrawals to ensure the company has enough liquidity to support normal requirements, plus a buffer to reduce the likelihood that liquidity falls below these;
• Manages maturity of deposit and work closely with sale team to ensure the enough fund to support customers withdrawal needs;
• Analyzes deposit by different category/segmentation in order to provide recommendation to management for their decision making;
• Organizes monthly ALCO meetings to assess the company's balance sheet and take appropriate action;
• Prepares PowerPoint presentations on Asset and Liability Management for ALCO meetings and provide recommendations to support the committee’s decision making;Drafts ALCO meeting minutes for validation by the committee and circulate it to all relevant departments so they can take necessary action.

• Gather and analyze data/information from different sources for preliminary audit assessment under the guidance of senior auditor/supervisor to identify potential risks to the audit mission by macro process at provincial level;
• Conduct audit testing on operational and financial transactions in branch offices and interview clients to evaluate the design and implementation of internal controls by entities;
• Collect sufficient and appropriate audit evidence on specific macro processes under the supervision of the senior operational auditor or supervisor to rate the quality of internal controls for those macro processes;
• Follow up, during the audit mission, previous audit recommendations by entities (provincial offices, branches and mini-branches) to assess whether auditees have actioned recommendations and to classify the status of each recommendation;
• Consolidate the findings of assigned auditing tasks, including root causes and recommendations, in a working paper and submit to the senior operational auditor or supervisor to ensure the complete and accurate recording of identified breakdowns in internal controls.

• Monitor and control costs incurred by HQ departments, Borrowing costs, Personnel costs and IT costs etc;
• Produce monthly report by comparing to budget and keep up to date all the changes;
• Produce timely report as required by management with the proper explanation;
• Produce the ad hoc cost control reports and highlight the keys important as required and deemed necessary by other departments;
• To reconcile, prepare and book all entries relating personnel costs in the GL system;
• Assist in producing timely and accurate financial statements in compliance with accounting policies, processes and guidelines;
• Assist in developing and updating Cost control/Tax procedures, guidelines to ensure transactions are simplified and compliance with Tax laws on taxation/regulations CAS/CIFRS and regulatory requirements;
• Support and coach team to ensure they have the abilities to perform the job properly.

• Prepare working of average daily cash and bank balance by branch;
• Prepare working of monthly deposit & loan amount by branch;
• Prepare working of utility and rent expense allocation by branch;
• Prepare working of interest expense allocation by branch;
• Support regional Accountants to monitor financial performance of the regions;
• Support the regional Accountants to discuss financial performance with head of the region;
• Reconcile loan and deposit by branch;
• Assist in developing and updating accounting procedures & guidelines to ensure transactions are simplified and understood by regional Accountants;
• Cooperate and build relationship with relevant departments in carrying out tasks;
• Supervise, support and coach all regional Accountants to ensure they have the abilities necessary to perform the job properly;
• Other tasks assigned by line Manager.

• Develop and implementing business segments to drive performance targeting the segment of Corporate, Consumer and Salary workers
• Define Value Proposition and commercial speech for the target segment to deliver on business targets
• Develop new products/services to cater to the needs of Corporate, Consumer and Salary workers
• Provide market feedback to the company leadership regarding competitive offerings, prospect needs and generate product development ideas
• Propose and manage partnership with banks/companies/other key stakeholders to ensure sustainable partnership and profitability for Amret
• Develop initiatives and target to drive customer acquisition and retention in the segment of Corporates, Consumer and Salary workers
• Conduct study and survey to monitor consumer behavior in the consumer segment and initiate business change proposal to adapt to the needs
• Initiate and implement campaigns to drive business and customer segment performance
• Develop key business metrics for each segments are in place and monitor for better performance
• Initiate and implement all the related product development projects and services in the assigned segments
• Planning and coordinating the implementation of business plans and the penetration of new markets
• Collaborate and coordinate with diverse teams of marketing, business operations, sales, customer services and channel delivery team to deliver on targets.

• Creates and brings in outstanding development programs to improve the front-line managers’ skills including branch manager (Branch Management Plus program) to be autonomous and authentic business leader;
• Executes, monitors and assesses the effectiveness of the implementation of the managerial development programs;
• Supports the advancement of training curriculums for sales and network staff;
• Develops the learning management system to ensure that there are variety of training courses available for staff development;
• Provides learning and development solutions to head of business in order to coach their staff to perform their job and projects well;
• Develops, improves and encourages coaching culture across all Amret Level;
• Works with Head of L&D to review annual and mid-term training plans, L&D budget, priority strategies, and L&D organizational structure;
• Understands the business and obtains feedbacks from relevant stakeholders to improve training strategies, curriculums, team's capacity and structure;
• Manage L&DBP team performance and ensure L&DBP fully perform their functions;
• Ensures staff under supervision practice Amret’s corporate culture and core values to their staff;
• Manage and enhance staff capacity to perform their functions well.

• Contributes in managing the end-to-end launching and enhancement of existing products or services to ensure that they are compliance with law/regulations, having enough risk protection tools, comprehensive, competitive and timely developed;
• Collects feedback from branches and competitors to analysis and give recommendations for ensuring the smoothness of policies and procedures implementation and product modification;
• Supports and solves the daily operation issues;
• Contributes in monitoring and tracking performance of each product to identify gaps and recommendation for further improvement to meet customer needs and expectation;
• Support team for training and refreshment of existing products and services training during pilot test / roll out to ensure the products and services are delivered with quality.

• Manage the maturity of assets and liabilities looking forward to ensure that the company can meet all obligations in the next 6-month period and provide effective recommendations for critical decision making by committee;
• Analyze assets and liabilities management reports to ensure the company is not exposed to financial risk and provide recommendations for maximizing profitability to ALCO to support its decision making;
• Develop/revise assets and liabilities management policy to maximize net interest income and minimize risks due to mismatch between assets and liabilities;
• Analyze funding and lending costs to provide recommendations for critical profit enhancing decisions by ALCO;
• Develop and analyze savings volatility by product type and currency to manage or forecast savings stability for the company;
• Analyze savings withdrawals before and on maturity by product type and currency to know the percentage of monthly withdrawals to ensure the company has enough liquidity to support normal requirements, plus a buffer to reduce the likelihood that liquidity falls below these;
• Organize monthly ALCO meetings to assess the company's balance sheet and take appropriate action;
• Prepare PowerPoint presentations on asset and liability management for ALCO meetings and provide recommendations to support the committee’s decision making;
• Draft ALCO meeting minutes for validation by the committee and circulate it to all relevant departments so they can take necessary action.

• Design the architecture platform of backend services, core system to update and maintenance the key enterprise architecture;
• Propose following industry standard and related integration including SSO and other integrations with backend services;
• Develop enterprise application architecture blueprints, solution diagrams, technology stack and integration mapping at an organization-level;
• Ensure the solutioning from current to target states of the architecture to align with strategic initiatives;
• Assist IT system management (ITSM) both process and architecture for incident, problem, change, release, configuration, security, and service level to create solving ability;
• Make the documenting and architecting blueprint for each integrated service with enterprise service bus (ESB) for integration solution;
• Develop and design an architecture landscapes of the organization;
• Develop and communicate guiding principles and governance structures related to the selection of architectural components;
• Evaluate technologies, solutions, and defining best practices of architecture;
• Ensure enterprise architecture principle, reusability, modularity, ease of use and security with high quality application performance, availability, scalability and integrity;
• Manage complex technical requirements across multiple systems and domains in a multi-team technology organization.