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Employee notificaions

Employee responsibility

At ProCredit Bank, integrity and compliance with ethical values are essential in daily activities. All employees are responsible for reporting any illegal, fraudulent, unethical behavior or any activity that violates the principles of ethical conduct.

If you have information or suspicions related to internal fraud, corruption, abuse, ethical issues or any other breach of the Bank’s policies, we encourage you to use the available channels to submit your report.

Your report contributes to risk prevention, maintaining a safe and transparent working environment, and the continuous improvement of internal processes.

How you can submit a report

Available channels

  • Phone – +373 22 836 409. Working hours: Monday – Friday, 09:00 – 18:00, except for public holidays.
  • E-mail – mda.whistleblowing@procredit-group.com
  • The online form below.
  • Postal address – B.C. “ProCredit Bank” S.A., 65 Ștefan cel Mare și Sfânt Blvd., office 901, MD-2001, Chișinău, Republic of Moldova
  • At any Bank branch – by submitting the report in physical form; branch addresses can be found HERE.

All reports are reviewed with the utmost attention, in accordance with the Bank’s internal procedures.

Employee rights

Any employee who submits a report has the right to confidentiality and protection against any form of retaliation. Your feedback is essential for maintaining a fair and ethical working environment.
 

Thank you for your involvement and contribution to maintaining a transparent and responsible working environment!

Submit a notification

By checking the box and clicking the "Submit" button, I expressly consent to the processing of the data entered on this page and confirm that I have read and accept ProCredit Bank’s Privacy Policy.

 

ProCredit Bank is not liable for any data entered incorrectly in the form.

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For notifications


Call: +373 22 836 409

mda.whistleblowing@procredit-group.com
 

Business Hours:

Monday - Friday, 09:00 - 18:00
Except for public holidays.

WE FINANCE EFFICIENTLY, WE FINANCE CONSCIOUSLY!

 

At ProCredit Bank, we take on the role of directing financial resources exclusively to businesses that adhere to ethical, social and environmental principles, thereby contributing to a more equitable, more sustainable and transparent economy.

Why we select financing criteria with the highest rigor

As a commercial bank with a focus on sustainable development, the trust of our partners remains one of our main concerns, as well as one of our key strengths.

 

Those who choose us know that we finance exclusively projects aligned with our principles: commitment to sustainability, support for the real economy, involvement in the energy transition, and concrete contributions to the well-being of local communities. These directions have defined the way we have built our business model from the very beginning.

 

At the same time, we are guided by an Exclusion List that allows us to direct resources only toward initiatives with a positive impact. By choosing ProCredit Bank, you choose an institution that actively supports positive changes for society and the environment.

 

To better understand the criteria underlying our financing decisions, you can consult the Exclusion List HERE.

Types of activities not eligible for financing

Production or activities involving harmful or exploitative forms of forced labor/harmful child labor, discriminatory practices, or practices that prevent employees from legally exercising their rights of association and collective bargaining.

Production or trade of weapons (including hunting weapons) and ammunition.

Production or trade of radioactive materials (including the storage and treatment of radioactive waste), businesses or activities related to the nuclear industry or nuclear materials. Production or trade of unbound asbestos fibers or products containing asbestos.

Unsustainable logging and any activity involving wood sourced from unsustainably managed forests.

Transboundary transport of waste prohibited by international legislation.

Trade in wildlife, wildlife products, or wild plant species regulated by CITES.

Activities that may negatively affect sites of cultural or archaeological significance.

Activities carried out on or near land occupied by indigenous peoples and/or vulnerable groups, including land and waterways used for subsistence activities such as grazing, hunting, or fishing.

Production or trade of narcotics or controlled substances. Production or trade of products containing polychlorinated biphenyls. Production or trade of pharmaceuticals, pesticides/herbicides, and other hazardous substances subject to phase-outs or international bans.

Gambling (including online gambling), casinos, and equivalent enterprises.

Prostitution and any business whose main activity is related to pornography.

OUR SUSTAINABILITY STANDARDS 
As part of the ProCredit Group, we align ourselves with the commitment of ProCredit Holding AG to sustainability and responsible banking practices. This means adhering to the principles for responsible banking of UNEP FI, participating in the UN Global Compact, and joining the Net-Zero Alliance.

Environmental management based on 3 pillars

Our commitment to sustainability is reflected in a clearly structured framework built on three pillars: internal environmental management, the assessment of social and environmental risks in lending, and active support for green investments. Through concrete actions and long-term responsibility, we contribute to building a cleaner and more sustainable economy.

🌿 Internal environmental management

ProCredit Bank’s approach to environmental sustainability highlights a continuous commitment to aligning business objectives with ecological responsibility.

  • We continuously assess our internal environmental impact, with the aim of reducing resource consumption.
  • Our management system monitors energy consumption and encourages environmental awareness.
  • We have held ISO 14001 certification since 2017.
  • 40% of the bank’s vehicle fleet consists of electric vehicles.
📋 Social and environmental risk assessment

ProCredit Bank supports companies in their transition towards sustainable business models, while minimizing the negative impact of lending.

  • We apply a rigorous system for analysing economic operations from a social and environmental impact perspective.
🔋 Green Lending

We support green investments, with a focus on energy efficiency and renewable energy sources.

  • Proprietary methodology developed since 2014 for classifying green financing.
  • A trusted partner for photovoltaic and wind power projects.
  • Dedicated customer support for the energy transition.
OUR ECO VALUES – FOR THE PRESENT AND THE FUTURE!

At ProCredit Bank, we aim to practice sustainable banking through responsibility, transparency, and deep respect for people and the environment – values that define us and apply to all banks within the ProCredit Group.

Commitment to Sustainability

ProCredit Bank is a development-oriented financial institution dedicated to responsible banking activities, in line with the highest social, ethical, and environmental standards. We focus on sustainability, ensuring that our operations contribute to a greener and more equitable future. ProCredit Bank Moldova, together with the other 11 banks in the ProCredit Group, shares the same core values, mission, and vision, all of which are set out in the Code of Conduct, which represents the cornerstone of our business ethics.

Corporate governance is built on a solid foundation of ethical values, decision-making transparency, and institutional accountability. By consistently applying best practices in compliance, risk prevention, and promoting an organizational culture based on integrity, we ensure that leadership and control processes support the bank’s long-term objectives and the interests of all stakeholders.

  • Careful Assessment of Environmental Risks

    ProCredit Bank applies a rigorous assessment of environmental risks in the lending process, ensuring that financial decisions are aligned with the principles of sustainable development.

  • Continuous Improvement of Our Practices

    The institution strives to reduce its environmental impact and promote sustainable operations across all areas of activity.

  • Support for Renewable Energy Projects

    ProCredit Bank places strong emphasis on financing aimed at energy efficiency, the use of renewable energy sources, and the implementation of environmentally friendly solutions that deliver direct benefits to the environment, households, and businesses.

Through a strategic and conscious approach, ProCredit Bank integrates environmental considerations at all levels of its activities, from the way we operate internally to the financial products we design for our clients.

  • We Carefully Assess Social Risks

    ProCredit Bank assesses social risks to ensure that financing is provided in line with the principles of respect for human rights, fairness in the workplace, and social inclusion.

  • Financing Only Activities Aligned with Ethical Standards

    Financing is not granted to entities whose activities violate ethical principles or involve non-compliant labor practices, regardless of the sector of activity.

  • Responsibility Towards Clients and Employees

    This is a fundamental principle for us. We reject any form of discrimination and promote an inclusive and fair working environment. We continuously invest in the ongoing training of our employees through our Academies, ensuring that every team member understands and applies our values in daily activities.

Every financial decision also involves social responsibility, and we act with discernment to support only projects and partners that reflect high ethical standards.

PROCREDIT ACADEMY - FOR MODERN AND SUSTAINABLE BANKING!

At ProCredit, we place strong emphasis on employee development. Our two-stage academic program, carried out in Fürth, Germany, makes us unique in the banking world.
 

Over the years, ProCredit Academy has been and continues to be a training platform for all interested employees. Participants from all ProCredit institutions have the unique opportunity to take part in an intensive international program together with colleagues from diverse cultures.

Bankers Academy

  • A one-year program available to all employees.

  • Encourages personal and professional development.

  • The courses include discussions, team presentations, and specialized training.

  • Knowledge is developed in the fields of economics, management, politics, sociology, and philosophy.

  • The Academy plays an essential role in promoting and implementing an ethical and responsible banking system.

The program represents an internal training initiative designed to develop critical thinking, professional competencies, and organizational culture through a complex and interdisciplinary educational approach. Find out more HERE. 

Develop your skills, expand your knowledge, and discover new opportunities at ProCredit Academy, together with colleagues from different countries!

Management Academy

  • A two-year program.

  • All ProCredit Bank managers have completed or are in the process of completing this program.

  • Offers opportunities for personal and professional development.

  • Comprehensive analysis of economic, social, and political issues.

  • Exchange of ideas, critical thinking, debating and teamwork.

  • Development of management and negotiation skills.

The program is designed as an advanced training framework for the development of leadership and management competencies, offering a broad perspective on the economic, social, and organizational environment. Find out more HERE.

WHY CHOOSE OUR TEAM

At ProCredit Bank, we believe that a company’s success starts with its people. We are a bank focused on sustainable development, digitalization, and supporting local businesses, promoting a responsible lifestyle, thinking long term, and constantly investing in financial education, modern technologies, and green energy.
 

More than a bank, we are a team made up of curious, enthusiastic people eager to learn continuously. We rely on transparency, trust, and collaboration and offer an international working environment, with training sessions, development programs, and real opportunities to build a solid career within an institution that encourages initiative and innovation.

Vacant positions

ProCredit Bank

Financial Risk Specialist

Contributes to managing the bank's financial risks through exposure monitoring and risk analysis.

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ProCredit Bank

Product Owner – Retail Lending

Contributes to the development of retail products and the improvement of the digital customer experience.

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ProCredit Bank

Micro Business Segment Coordinator

Contributes to the optimization of microfinance products through data analysis and process improvement.

Details →
ProCredit Bank

Corporate Client Relationship Manager

Contributes to building strong relationships with business clients, understanding their needs and providing financial solutions.

Details →
ProCredit Bank

Internal Audit Specialist

Contributes to strengthening governance, internal controls and risk management, ensuring compliance with internal and external standards.

Details →
ProCredit Bank

Retail Client Consultant

Promotes and provides banking services to individuals, maintaining partnership relationships with clients and contributing to the Bank's objectives.

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ProCredit Bank

Business Client Consultant

Contributes to direct communication with entrepreneurs and companies, offering financial solutions tailored to their growth objectives.

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ProCredit Bank

Front Office Specialist

Provides quality banking services to clients, identifying their needs, consulting and promoting the Bank's products in accordance with internal procedures.

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ProCredit Bank

Legal Counsel

Contributes to the process of granting, recording and managing the operational flow related to legal assistance, advisory and support activities.

Details →
ProCredit Bank

SME Client Relationship Manager

Contributes to growing the business client portfolio and offering personalised financial solutions tailored to the needs of entrepreneurs.

Details →

Apply for an open position

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Learn more about careers


Call: 0800 000 10
 

mda.resurse.umane@procredit-group.com
 

Business Hours:

Monday - Friday, 09:00 - 18:00
Except for public holidays.

BENEFITS THAT SUPPORT YOUR DEVELOPMENT, STEP BY STEP

 

At ProCredit Bank, we build a community of dedicated, growth-oriented professionals. We offer you an open environment, flexible programmes, continuous development through the ProCredit Academies, and international opportunities. Our benefits, together with the transparency and respect that define our culture, are designed to help you build a solid career with impact and purpose. See open vacancies HERE.

Care, respect, balance

  • Free annual medical check-up

    Access to high-quality medical consultations.

  • Paid day off on your birthday

    So you can celebrate the way you want.

  • Shorter working hours every Friday

    More time for you.

  • Work from home

    One day per week flexibility for better work–life balance.

At ProCredit Bank, we emphasize the balance between professional and personal life. We want our employees to feel motivated, supported, and valued, which is why we offer a range of benefits that contribute to their well-being and continuous development.

Development, consolidation, unity

  • Visa Platinum card for employees

    A free card with benefits and advantages for safe and convenient banking.

  • Discounts from the bank’s partners

    Exclusive benefits for employees.

  • Team building and sports activities

    To strengthen collegial relationships and team spirit.

  • International experience

    In a friendly, development-oriented environment.

By choosing ProCredit, you choose stability, continuous development, and a culture based on respect and collaboration.

At ProCredit Bank, your development starts from day one!

Through our international programs such as the Welcoming Programme (Serbia), ProCredit Banker and Management Academy (Fürth, Germany), complemented by specialized trainings, we offer you a clear, performance-oriented career path.

Selection is transparent and based on potential, and development plans are personalized. You will combine theory with practice, develop skills in credit analysis, English language and leadership, and work alongside colleagues from across the ProCredit network.

Direct involvement of management ensures high standards of ethics and responsibility.

Here, continuous training is real support for your professional growth and the rapid assumption of high-impact roles, in an international and multicultural environment. See more details about ProCredit Academies HERE.

DISCOVER MORE THAN A CAREER – DISCOVER YOUR POTENTIAL!

Do you want to be part of a team where a positive environment, shared values, and open communication are essential? Join the ProCredit Bank team and build your future with us! See open vacancies HERE.

Why choose ProCredit Bank?

  • We aim to provide excellent and responsible services in a constantly changing environment

    For this, we need flexible people, open to challenges and eager to learn. Our simple organizational structure allows us to work efficiently, take on complex projects, and respond quickly to our clients' needs.

  • At ProCredit Bank, your work matters

    Every employee's contribution is visible and fairly evaluated, based exclusively on performance and commitment. The management maintains an open dialogue with the team to ensure the best results and to support professional development.

  • The benefits?

    A multicultural environment, real growth opportunities through training programs and international academies, responsibilities that develop your skills, and the chance to be part of an institution that emphasizes integrity, transparency, and sustainability.

  • Are you up for the challenge?

    If you are ready to make a difference, we invite you to discover our opportunities and join the ProCredit Bank team!

At ProCredit Bank, we believe in active, ambitious, and result-oriented people who share our values and ethical principles.

Discover at ProCredit Bank a work environment that is:

You have the freedom to contribute ideas and see them become reality

At ProCredit Bank, change is part of our culture. We continuously develop and invest in people to always stay one step ahead. We provide training programs tailored to real needs, thematic seminars, and international opportunities that strengthen your skills. From initial onboarding to advanced training, you will benefit from resources that help you grow and contribute to a positive impact on society and the economy.

Today's challenges are tomorrow's growth

At ProCredit Bank, challenges are more than just professional goals – they are real opportunities for growth. Learning never stops: you will participate in complex onboarding programs that combine theory with practice and give you the chance to collaborate with colleagues from other countries. You will discover new cultures, work in an international environment, and be encouraged to step out of your comfort zone. Each project becomes an experience that develops your skills and strengthens your career.

Clarity and fairness in everything we do

Transparency is the principle that defines us. The salary structure is fair and uniformly applied, and professional evolution is based on real performance. We avoid bonus systems that might influence responsible decisions toward clients. Direct communication and a simple organization create an open environment where every voice is heard, and contributions are recognized and appreciated.

SUSTAINABLE DEVELOPMENT OVER TIME

 

ProCredit Bank Moldova is part of an international financial group with German capital, oriented towards sustainable development, supporting SMEs, and providing transparent banking services for individuals and legal entities.

Commercial Bank ProCredit Bank S.A. received its license to conduct financial activities in the Republic of Moldova on December 17, 2007. It is an international bank with 100% foreign capital, having as its sole shareholder ProCredit Holding from Germany. The bank is part of the International ProCredit Financial Group, which operates in Eastern Europe, Latin America, and Germany.

ProCredit Bank is a stable bank, oriented towards the long-term development of SMEs as well as providing services to individuals. We strive to contribute to the development of these enterprises, investing time to truly understand their needs and offering banking services tailored to the specific business of each individual client.

ProCredit Bank is a secure bank that offers a wide range of simple and accessible banking services, aiming to set indisputable standards regarding the quality of services provided to its clients in a transparent and honest manner, thus contributing to increasing public trust in banking activities.

ETHICS AND RESPONSIBILITY - AT THE HEART OF OUR CORPORATE CULTURE

 

All our corporate values are integrated into the Code of Conduct, which translates ethical principles into clear norms of behavior applicable to all employees within the ProCredit group, thus ensuring consistency between our beliefs and the way we conduct our activity.

To ensure that new employees fully understand these principles, introductory seminars include a section dedicated to the study of the Code of Conduct and its importance for the entire team. We also periodically organize refresh sessions, led by our colleagues, to reaffirm the commitment to high ethical standards. During these sessions, relevant case studies are presented and any uncertainties are clarified, thus ensuring an in-depth and applied understanding of ethical norms in our activity.

Access the ProCredit Bank Code of Conduct HERE.

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