Human Resources
With years of service in Azerbaijan, supporting the development of the real sector, Koçbank and Yapı Kredi—two well-established institutions in the sector—have merged their strengths and investments with the vision that "as our country develops, we can develop as well," aiming to accomplish even greater achievements together.
We are confident that this merger will have a significant positive impact on the Azerbaijani economy and, most importantly, will create new opportunities for both the financial sector and its professionals. We believe that our most valuable resource is our people. With a team of hundreds of experienced and dedicated professionals, we are committed to meeting every financial need of our customers.
Supported by a strong shareholder structure, guided by our principle of delivering services to international standards, and driven by our trust in our human capital, we are confident as a team that we will reach higher and greater goals, progressing with steady and deliberate steps.
We firmly believe that the only path to making our services more efficient, more innovative, and the first choice for both our customers and employees is continuous investment in our people.
We see ourselves not merely as an institution, but as a family. With an open and transparent management approach, we know that every opportunity created and every idea put forward will take us one step further.
The true secret behind our success and achievements lies in walking the same path hand in hand as a team, and in the respect and appreciation we hold for our colleagues.
To build your career with our Bank, please send your CV to hr@yapikredi.com.az.
Download Management Structure
Requirements:
- University degree in Finance or related fields;
- At least of 2 years of experience in risk management;
- Strong analytical, problem-solving, and communication skills;
- Good knowledge of IFRS 9 and expected credit loss provisioning;
- Advanced proficiency in Excel;
- Knowledge of R, Python, or other programming tools is an advantage;
- Possession of FRM/PRM/CFA/ACCA certification is an advantage;
Key Responsibilities:
- Prepare data files and run the existing ECL model on a monthly basis to ensure calculation of provisions for expected credit losses in accordance with IFRS;
- Verify the accuracy of ECL model results and calculated parameters (PD and LGD).
- Calculate provisions for loans in line with local regulatory standards.
- Conduct annual review and update of risk methodologies and credit risk policies.
- Support management in conducting stress tests and model calibration.
- Prepare various relevant reports for management.
- Provide support in the execution of any other relevant tasks assigned by management.
How to Apply?
Please send your CV indicating "Risk Management Specialist / Senior Specialist" in the subject line of your email. Please note that only shortlisted candidates will be invited to the next stages of the recruitment process.
Email: hr@yapikredi.com.az
Requirements for the position:
• University degree (Economics/Finance);
• At least 2 years of experience in the banking sector;
• Proficiency in MS Office software;
• Fluency in Azerbaijani;
•Knowledge of English;
•Ability to work effectively in a team;
•Attention to detail;
•Time management skills;
•Communication and interpersonal skills
Key responsibilities:
• Evaluate loan offers submitted by the Bank's branches;
• Verify the compliance of loan offers with laws and the Bank's loan policy;
• Assess the borrower's creditworthiness, analyze their financial condition, conduct research on the borrower and the sector in which they operate, identify and measure credit risks, and fulfill relevant tasks specified in the Bank's internal regulations;
• Present evaluation results to the manager and assist in preparing the credit opinion;
•Ensure timely delivery of credit opinions on loan offers to branch managers;
• Coordinate with relevant departments to resolve issues and problems, and report results to the manager;
•Participate in customer visits, together with the manager and/or branch/sales units, when necessary;
• Monitor changes in laws and regulations related to credit risk management, and contribute to updating internal rules, processes, and methodologies accordingly;
• Comply with the Bank's established rules regarding AML/CFT and Financial Sanctions (FS);
Please send your CV to: hr@yapikredi.com.az
Requirements for the position:
• University degree (Economics/Finance);
• At least 2 years of experience in the banking sector;
• Good proficiency in MS Office software;
• Fluent speaking in Azerbaijani;
• Knowledge of English;
• Ability to work effectively in a team;
• Attention to detail;
• Time management skills;
• Active listening and customer guidance skills;
• Communication and interpersonal skills;
• Problem-solving abilities.
Key Responsibilities:
• Obtain all risk-oriented information related to borrowers and their activities, conduct comparative analysis of their financial and business performance over periods, assess customers' creditworthiness, and classify them into appropriate risk categories;
• Evaluate corporate/commercial loan offers included in the monitoring process, submit assessment results to the unit manager, and assist in preparing the credit opinion;
• Undertake activities aimed at reducing non-performing loans in line with predefined targets, and conduct customer visits when necessary;
• Participate in meetings to ensure healthy and orderly workflow;
• Monitor changes in laws and regulations related to credit risk management, stay informed about relevant internal rules, processes, and methodologies, and apply them in daily work.
Please send your CV to: hr@yapikredi.com.az.
Requirements:
• Higher legal education;
At least 3 years of professional experience in litigation, enforcement, and auction proceedings;
Mandatory banking experience (at least 3 years of experience in litigation, enforcement, and auction processes within the banking sector);
Knowledge of legislative acts applicable to banks;
•Solid knowledge of civil, labor, and administrative laws, as well as civil, administrative, and commercial procedures;
•Commitment to continuously learning about legal and legislative updates and applying them appropriately in practice;
Excellent knowledge of Azerbaijani. Knowledge of English is preferred.
Key Responsibilities:
• Represent the Bank in court, enforcement, auction, and other relevant legal proceedings.
Participate in the drafting of legal documents;
• Take necessary legal measures to ensure the recovery of non-performing loans;
Maintain a systematic registry and archive of effective normative legal acts, keeping accurate records of their amendments or repeals;
• Provide legal opinions on draft contracts or proposed agreements.
• Perform other related tasks arising from job functions as assigned.
- Please send your CV to: hr@yapikredi.com.az.
Requirements:
• At least 2 years of experience in the banking sector;
University degree in Economics, Business Administration, or IT;
• Knowledge of English, Turkish, and Russian is preferred;
Proficiency in MS Office software;
• Knowledge of banking workflows and banking laws;
• Strong skills in data collection and analysis / Analytical thinking / Presentation skills / Ability to work effectively in a team.
Key Responsibilities:
• Document the Bank’s workflows;
• Develop banking processes in line with local laws and business units' requirements;
• Classify requests/projects together with IT teams as small requests, medium-sized projects, or large-scale projects;
• Take initiative in process changes to ensure legal compliance, conduct impact analysis on the Bank with the support of relevant business units, and coordinate with IT for planning technical changes;
• Create medium and large-scale system requirements in line with the "business hub" principle (including detailed process analysis, business decisions, interactions with other projects and processes, and impact analysis on customers and sales/operations);
• For procedures under responsibility, create the “business impact” and “business case,” review additional requirements from affected business units, and determine their interdependencies;
• Manage system authorization groups: assign/revoke to/from users, create/modify/
• delete users, create/modify/delete authorization groups
Please send your CV to: hr@yapikredi.com.az.
Requirements:
• Higher education in Economics, Finance, Engineering, Accounting, or Auditing.
• Excellent command of English (for preparation of relevant reports in English) and proficiency in Turkish is an advantage
• Proficiency in MS Office software (Excel, PowerPoint, Access, Word);
• Possession of international audit certifications (CIA, CFSA, CFE, etc.) is an advantage;
• Relevant work experience in auditing and banking: Internal Audit Assistant: at least 1–2 years of experience.
• Internal Audit Specialist: at least 2–5 years of experience.
• Senior Internal Audit Specialist: at least 5 years of experience.
Key Responsibilities:
• Conduct audits of compliance with regulatory legal acts, internal bank policies, operations of all business units and branches, and all types of banking transactions;
• Perform risk-based audits and prepare corresponding reports.
• Assess and evaluate the adequacy and efficiency of internal control systems;
• Carry out fraud risk assessments during internal audits;
• Participate in investigations of fraud cases when necessary;
Email: hr@yapikredi.com.az
Requirements
• Higher education in computer sciences or related fields
• Fundamentals of Computer Science (Algorithms and Data Structures)
• Good understanding of OOP principles
• Programming experience in .NET and C #. Knowledge of Java is desirable
• Experience with SOAP and REST services
• Knowledge of SQL / PLSQL
• Version Control Systems: Knowing one of TFS, SVN, Git technologies
• Analytical thinking
• Free research capability
• Experience in the banking sector is desirable
• Teamwork experience
• The presence of a certificate on related programming languages is a priority.
Requirements:
• Higher education in Economics, Finance, Engineering, or Accounting.
• Excellent command of English (for preparing relevant reports in English), as well as knowledge of Turkish and Russian languages
• Proficiency in MS Office software (Excel, PowerPoint, Access, Word);
• Preferably 1–3 years of banking experience in Correspondent Banking and Fund Management.
Key Responsibilities:
• Conduct conversion transactions with the Bank's own customers and other banks; Perform operations in domestic and foreign money markets
• Maintain correspondent bank relationships and oversee correspondent accounts, including opening new accounts in local and foreign banks;
• Monitor securities transactions, including principal and coupon payments;
• Prepare and submit reports to relevant authorities; Prepare other reports as requested by management
• Prepare loan offers for opening limits to banks and financial institutions
• Execute international trade transactions (Guarantees, Letters of Credit).
Email: hr@yapikredi.com.az
Requirements for the position:
• Higher education.
• Good command of English and Russian.
•Proficiency in MS Office software.
• Strong analytical skills, creativity, ability to propose strategic solutions, and communicate ideas clearly.
• Effective communication and problem-solving skills.
• Ability to take initiative.
• High professionalism and stress resistance.
Key Responsibilities:
• At least 1 year of experience in the payment cards;
• Knowledge of payment systems' rules and tariffs, conducting negotiations and correspondence with them, and ensuring submission of relevant reports;
• Familiarity with the relevant rules and requirements of the Central Bank and the Financial Market Supervisory Authority;
• Coordinate activities with business entities for the development of the POS-terminal sector;
Analyze market competition and global trends in the payment cards industry;
• Propose initiatives for the development of payment card and POS-terminal products, and implement joint projects with payment systems and relevant departments;
Email: hr@yapikredi.com.az
Requirements:
• Higher education;
• Proficiency in Azerbaijani, English, Turkish, and Russian;
• Fluent and articulate in Azerbaijani;
• Clear diction;
• Strong telephone communication skills;
• Excellent verbal expression and persuasion skills;
• Strong interpersonal skills;
• Sales-oriented, with proven ability to conduct sales over the phone;
• Ability to work in shifts (including evenings and night hours);
• Computer skills: MS Office software.
Key Responsibilities:
• Provide accurate information to customers by presenting all telephone banking services;
• Handle customer complaints and ensure resolution;
• Promote and sell the Bank's products and services;
• Deliver personalized and professional communication to all callers.
Email: hr@yapikredi.com.az
Requirements
• BS or MS in Computer / Electronics Engineering or related fields;
• Minimum 3 years experience in System Administrator position;
• System Management including design, installation, administration, configuration, upgrade, migration and maintenance of Windows Servers and roles, Active Directory (DNS, DHCP, GPO Etc.), System Center Suite, VMware Infrastructure;
• Basic knowledge of networking;
• Analytical thinking, problem solving and skills on systems and performance management (monitoring/tuning);
• Troubleshooting of production issues, provide expedited resolution and 7x24 support for mission-critical systems;
• Quality and continuous improvement of systems, processes and knowledge;
• Perform long-term planning for hardware and software upgrades and prepare annual capacity plans;
• Keeping infrastructure documentation up to date, reviewing and revising if necessary;
• Adaptation skills for highly dynamic technical work environment and processes.
Send your CV to e-mail address hr@yapikredi.com.az
Requirements for the position:
• University degree;
• Fluency in English and Russian;
• Proficiency in MS Office software;
• Experience with card and POS products;
• Strong analytical and decision-making skills;
• Open to innovation and proactive in approach.
Key Responsibilities:
• Expand the Bank's partner merchant network for its products and organize promotional campaigns;
• Maintain in-depth knowledge of VISA and MasterCard payment systems' rules and tariffs, ensuring the submission of relevant reports;
• Conduct regular market monitoring of competitor products;
• Develop product improvement plans for banking products and implement joint projects with VISA/MasterCard systems and the IT Department.
Please send your CV to hrsupport@yapikredi.com.az.
Requirements for the position:
• University degree;
• Excellent command of Azerbaijani and English; Preference will be given to candidates fluent in Russian and Turkish;
• Proficiency in MS Office software, particularly Excel;
• Strong analytical skills, creativity, and the ability to propose strategic solutions and ideas;
• Solid problem-solving abilities;
• Proactive approach;
• High professionalism and resilience under pressure
Key Responsibilities:
• Execute product development tasks, creating new solutions and proposals targeting emerging business areas and market needs;
• Manage communication and coordination with international payment systems;
• Prepare, update, and distribute card contracts and forms to relevant departments;
• Develop strategic growth plans tailored to each card product;
• Conduct competitive analysis, monitor market product trends continuously, and prepare corresponding action plans
Email: hr@yapikredi.com.az
Requirements:
•University degree in Economics or Business;
• At least 3 (three) years of banking experience (in customer service, sales, marketing, credit, or operations);
• Excellent command of Azerbaijani (knowledge of Turkish, English, and Russian is an advantage);
• Strong interpersonal and communication skills.
Key Responsibilities:
• Open customer accounts and carry out transactions related to these accounts;
• Present all types of banking products and services to customers and provide necessary consultations;
• Achieve high-level sales of banking products and services to assigned customers;
• Continuously research potential customers and take steps to attract them to the Bank;
• Manage the customer portfolio based on profitability, efficiency, and confidentiality of customer information;
• Achieve budget and sales targets and monitor their progress;
• Identify cross-selling opportunities;
• Provide customers with information on the most suitable products and services from the Bank's portfolio, determine their needs, and offer alternative solutions;
• Address and resolve customer complaints, taking necessary measures to minimize them.
Email:
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