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Everybody looks for
employees, we look for people

Who are we?

DSK Bank is on the market for above 70 years and one of out principles is never to live in the past, but always to look towards the future and the exciting opportunities it brings.

Exactly due to this, every day in DSK Bank we work with a sense of purpose to build the №1 Digital Bank in Bulgaria – convenient, accessible and loved by users.

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DSK Bank's careers

"If you are excited about the unique opportunity to change how the banking industry operates in Bulgaria and want to have a big impact on improving lives of millions citizens, join our DSK Next journey. You will be able to take the work in directions that the team chooses, you will be working on the most advanced technology, you will change lives to the better. Maybe even your own”  

DSK Bank as employer Tamas Hak-Kovacs, CEO of DSK Bank
We are DSK Bank
Our accomplishments

We service above
2,6 million 
clients

Highest rated banking

Merger in 2020

Every day we service
30 000
Clients in our branch network
  • 2 million active cards
  • Every 3rd consumer loan

Employees

At DSK Bank there are
5 000 
employees
OTP is present in 11 countries with a total of
37 500
employees

гъвкав начин на работа

Flexible way of working





The choice is yours. We offer flexible way of working


  • Flexible working hours in the Central Offices in Varna and Sofia
  • Option for remote work, hybrid model of work from home and office
  • Modern workspaces, intentionally designed to facilitate cross-functional work
  • Additional paid leave when you spend the available one.

flexi

Digital technologies





Your ideas matter: we give room for digital innovations

  • Ambitious projects reaching up to 2.6 million clients
  • Digital hub – an agile and modern IT company within the company
  • Contribution to large scale tech projects at group level
  • Integration of a modern new banking platform with latest technology

health-new

Health and well-being





With us you are a human - we help you achieve a good work-life balance

  • Meeting etiquette for short meetings and respect for the turn-off time
  • Wellness Program for emotional and health support, sports card at preferential rate
  • Food Vouchers covering commodities at maximum level and numerous discounts for our staff
  • Attractive conditions for credit products and banking services for our staff

идеи

Learning and development






You develop: We stimulate your professional and personal development

    • Leadership Program for true leaders’ development
    • Our own DSK Digital Academy focused on upgrading knowledge in the field of IT, Digitalization and Data
    • Specially designed process for introducing new employees so that they integrate successfully

култура

Culture




At DSK Bank, culture develops in parallel with business and we build it together every day

  • Own value model, based on responsibility, client focus, commitment and teamwork
  • Vision for serving internal and external clients for excellent performance
  • Agile mindset, ways of working to boost efficiency and engagement
  • Opportunities for volunteering and participation in our Corporate Social Responsibility



„Not everyone who works in a bank wears a suit, or works from 9.00 am to 05.00 pm”



Meet some of our ambassadors of change:

We are here to support business growth and people's consumption


Tamas Hak-Kovacs, Chairman of the Management Board and Chief Executive Officer of DSK Bank

Mr. Tamas Hak-Kovacs is Chairman of the Management Board and Chief Executive Officer of DSK Bank, since November 2020. Previously, since 2012, he has been Chairman of the Management Board and CEO of JSC OTP Bank, the Ukrainian subsidiary of OTP. Before that Mr. Hak-Kovacs worked as Chairman and CEO of the Commerzbank subsidiary in Hungary (2000-2007). From 2007 he led the Commerzbank subsidiary in Moscow and from 2010 headed a division of Central and Eastern Europe (CEE) Commerzbank. Mr. Tamas Hak-Kovacs graduated from the Budapest University of Economic Sciences, MA in Finance and Accounting. He also studied at the University of Saarland, Saarbrücken, Germany, at the University of Vienna, Austria and at the International Institute for Management Development, Lausanne, Switzerland. Since 2004 he holds the Chartered Financial Analyst® designation.

Мr. Hak-Kovacs, it has been a little bit over a year for you at DSK bank. If you have to summarize this year in one sentence, what will that be?

In one word I would say it was busy. There is so much to do and so little time.

You are in charge of the largest retail bank on the market, which also serves and finances the business needs of many corporate clients. Looking at the results from the last two quarters what is your forecast – can we start talking about economic recovery or is it still too brave to draw such a conclusion?

In my opinion there is already recovery. I can proudly say that the banking sector in general and DSK Bank in particular have contributed significantly to the recovery. Credit markets are growing, we expect them to continue to grow next year. The election and the new government may even give a push by improving the investment climate. If investments grow, lending is going to grow so we could be very optimistic for next year in this regard.

Everybody’s big concern are the high inflation rates. What is your forecast – is it a temporary trend or inflation rates will remain high for longer?

It is very difficult to say because there are two big, once in a century changes happening right now. One is the disruption, caused by the pandemic. The second is the reaction to climate change.

It is important to understand that continuous high inflation occurs if there is the so-called wage inflation spiral, which happens when wages increase is higher than the productivity increase. I don’t see the reason that there should be a continued high inflation. I see it more like an increase of prices due to this adjustments to the new situation. The question is how long this adjustment will take – one, two, three years.

How will short term inflation affect the behavior of companies and their willingness to invest?

If you just take it on a very simple level, inflation means that prices are increasing. If prices are increasing revenues of the companies are increasing so why wouldn’t I invest if I can earn more money? In this regard, this inflation is more like an opportunity for the corporate sector. Inflation actually in this regard should be positive for the investment behavior because we want to earn more money and if we can earn more money why shouldn’t we.

Can we expect in a short term, let’s say within one year, finally an increase in interest rates?

If you look at current market expectations, you can’t expect high interest rates. The euro interest rates will remain negative territory next year. Small changes may be expected, but certainly nothing dramatic.

What factors will drive the cost of credit for citizens and business?

Number one is the base rate, number two is I would call it the balance of supply and demand. Supply is high, at least in Bulgaria, there is a lot of capital, a lot of liquidity and there is a lot of risk appetite for the big banks, but I expect that demand is going to increase as well so I would expect interest rates for citizens and businesses to be stable on the current very low levels also for next year.

What determines the negative interest rates on bigger deposits and savings for both companies and individuals at the moment?

You can talk a lot about this, but here I would emphasize that we are trying to pass on the cost that we have. And we can’t even fully pass it on. Because if I have a retail deposit and I keep it at the national bank that’s -0.7 plus all the cost of collecting the deposit, plus the deposit insurance cost, the minimal reserve cost - there are a lot of regulatory costs. Both banks and customers are victims of this situation caused by the ECB's monetary policy.

What is your comment on real estate and housing loans? Is it continuously developing and increasing but is there a risk of a bubble on this market?

Real estate bubble is rapid and unsustainable rise of prices and most people think about just the first part, i.e. the quick rising. But here the question is whether this rise is sustainable or not. And my opinion is that it is sustainable for a very simple reason. Real estate compared to average salaries is not more expensive in Bulgaria than anywhere else in Europe. But Bulgarian salaries are rising much faster, incomes are rising much faster in percentage points due to the convergence of Bulgaria to the European Union. Because in the end we compare the price to what we can afford, right? There are additional factors – one is the pandemic, people want to live in bigger houses and are not as dependent on their workplace as before. The second is negative interest rate, it becomes much cheaper to service a loan so if you can afford a bigger loan, you can afford a bigger house or flat. I believe that the environment is sustainable due to rising wages.

What will be the next year for DSK Bank?

Firstly, it is important to say that we are here to help finance the recovery and to accelerate the convergence of Bulgarian economy towards the European Union. We have the capital, we have the liquidity, we have the know-how and we have the risk appetite to support our clients. Apart from this, our emphasis is going to be to improve the customer experience and create products that customers like to use.

In one sentence - we are here to help our customers improve their lives.

 

Source: Noblesse Oblige magazine by Bulgarian Industrial Association


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