VACANCY ANNOUNCEMENT

Tirana Bank is the first privately-owned bank in Albania. It was founded in 1996 and since then there has been a great development, spreading its branches throughout Albania. Today, Tirana Bank is well-positioned in the market, offering a wide range of products and services that respond well to the demands of its customers. Tirana Bank has 33 branches in most major cities, and industrial zones and has a large ATM network throughout Albania. Tirana Bank continues to grow and expand while rigorously retaining its philosophy of providing quality products and services by being the frontrunner in innovative banking solutions in Albania.

Balkan Finance Investment Group, BALFIN Group, is one of the most significant and successful investment groups in the Western Balkans region. Geographically, BALFIN Group is present in Austria, Albania, Kosovo, Bosnia and Herzegovina, North Macedonia, Montenegro, Switzerland, Croatia, the Netherlands, and USA, employing approximately 5,000 people. The activities of BALFIN Group comprise real estate, wholesale and retail, banking, asset management, media, education, and logistics. BALFIN Group is growing steadily, having a positive impact on the communities through economic development, employment opportunities, innovation, and social investment.

 We are seeking to welcome a candidate in the Credit Product Manager, (Band 4T) position to join our Retail Credit Department reporting directly to the Head of Department.

Overall Job Definition

The Credit Product Manager ensures the collaboration between stakeholders within Retail Credit Department for analysing processes and workflows, by proposing any business requirements into functional specifications for other developing teams in the bank, like project managers, developers and testers.

He/she is able to identify areas of process improvements and recommend solutions with the aim of increasing efficiency and effectiveness, complying with Policies, Procedures and Products of the Bank in terms of credit.

Main Responsibilities:

• Understands clearly the Credit Manual, Retail Credit Policy, Decision Matrix, all retail credit products as well as the processes and the roles involved in the retail credit lending activity and decision making.
• Formulates business requirements regarding the software platforms with the aim to reflect credit policy rules and criteria’s as well as related procedures within Credit Retail Department, accommodating the risks associated with it.
• Ensures systems calibration. Maintains and controls the quality of business logic within the software’s in line with credit policy and regulatory requirements.
• Identifies areas for process optimization and recommends improvements whenever needed.
• Assists and coordinates co-workers in Credit Retail Department for different projects that are directly related to their area of expertize.
• Takes part actively in developing and managing automated underwriting systems to streamline the credit decision-making process.
• Works closely with business stakeholders to understand their needs, objectives and challenges. Communicates complex technical concepts to nontechnical stakeholders.
• Stays up-to-date with changes in regulations and industry best practices, ensuring the organization’s compliance with all relevant laws and requirement.
• Proposes innovative and practical solutions ensuring flawless process in line with organization’s strategic goals and technological capabilities.
• Creates detailed documentation including business requirements, makes estimations and planning on deliveries.
• Participate in system testings, user acceptance and validation of implemented solutions ensuring that such solutions meet the requirements.

Performs other duties assigned by the supervisor within his/her area of responsibility.

Competencies / Skills:

• Bachelor’s degree in Economic Informatics/Computing, Business Administration, Information Technology or related fields (master’s degree is a plus)
• Experience in a similar job position for at least 3 years in banking system.
• Strong analytical, problem-solving and critical-thinking skills.
• Ability to collaborate effectively with cross-functional teams.
• Familiarity with project management methodologies and software development lifecycle.
• Excellent communication and interpersonal abilities.
• Knowledge of agile methodologies how they are applied.
• Very good knowledge of English.
• Very good knowledge of PC and other related programs.
• Very good organizational and time-management skills.
• Owns a sound judgment and has a proactive approach.

The interested candidates can send their CV until October 4^th, 2024 at the link.

Please note that only applicants, who fulfil the above mentioned criteria, will be contacted.

Your personal data, which are sent voluntary as a response to this job vacancy announcement, are collected and processed, manually and/or electronically, by Tirana Bank SA, in order to evaluate your compatibility with this job vacancy, are accessed only by authorized persons of the Bank and will be stored until the finalization of the candidate selection process. The subjects of personal data can exercise their rights as provided by Law No. 9887, dated on 10/03/2008 “For the Personal Data Protection”, amended, at Tirana Bank SA, as well as at the Commissioner for the Right of Information and Protection of Personal Data.