وظائف البيع بالتجزئة في قطر

We are seeking a highly professional and customer-focused Retail Relations & Administrative Coordinator to support stakeholder engagement, retail partner relations, and administrative operations. The ideal candidate will possess a strong marketing background, excellent communication skills, and proven experience in retail relations, customer engagement, or similar functions. This role requires a proactive individual capable of maintaining strong relationships with retail partners while providing efficient administrative and secretarial support within a fast-paced project environment.<br> <br>Key Responsibilities<br> Build and maintain positive relationships with retail tenants, partners, and stakeholders.<br> Act as the primary point of contact for retail-related inquiries and communications.<br> Coordinate with retail partners to ensure smooth day-to-day operations and issue resolution.<br> Support customer engagement initiatives, promotional campaigns, and marketing activities.<br> Gather feedback from retailers and customers and provide recommendations for service improvements.<br> Assist in organizing events, activations, and retail engagement programs.<br> Prepare reports, presentations, and updates related to retail operations and stakeholder engagement.<br> Provide comprehensive administrative and secretarial support to management and project teams.<br> Manage calendars, appointments, meetings, and travel arrangements as required.<br> Prepare correspondence, meeting minutes, reports, and official documents.<br> Maintain accurate records, filing systems, and project documentation.<br> Coordinate internal and external communications professionally and efficiently.<br> Handle confidential information with discretion and professionalism.<br> Support procurement, logistics, and general office administration activities when required.<br> Liaise with internal departments, contractors, consultants, and external stakeholders.<br> Ensure timely follow-up on action items, requests, and project deliverables.<br> Support management in coordinating activities across multiple teams and stakeholders.<br> Contribute to maintaining a professional image and high standard of customer service.<br><br><br><br>Requirements<br><br>Requirements<br> Bachelor's Degree or Diploma in Marketing, Business Administration, Communications, or a related field.<br> Minimum 3 years of experience in secretarial, administrative, retail relations, customer engagement, or similar roles.<br> Strong marketing background with experience supporting customer-focused initiatives.<br> Prior experience working on large-scale projects in Qatar and/or multinational organizations is essential.<br> Excellent communication, interpersonal, and stakeholder management skills.<br> Fluent in Arabic and English (written and spoken).<br> Strong proficiency in Microsoft Office Suite (Word, Excel, Power Point, Outlook).<br> Professional appearance, positive attitude, and customer-oriented approach.<br> Ability to work independently and manage multiple priorities effectively.<br> Valid Qatar Resident Permit (RP).<br><br>Skills: Requirements<br>• Bachelor's Degree or Diploma in Marketing, Business Administration, Communications, or a related field. <br>• Minimum 3 years of experience in secretarial, administrative, retail relations, customer engagement, or similar roles. <br>• Strong marketing background with experience supporting customer-focused initiatives. <br>• Prior experience working on large-scale projects in Qatar and/or multinational organizations is essential. <br>• Excellent communication, interpersonal, and stakeholder management skills. <br>• Fluent in Arabic and English (written and spoken). <br>• Strong proficiency in Microsoft Office Suite (Word, Excel, Power Point, Outlook). <br>• Professional appearance, positive attitude, and customer-oriented approach. <br>• Ability to work independently and manage multiple priorities effectively. <br>• Valid Qatar Resident Permit (RP).

PURPOSE OF POSITION<br>Ensure sales objectives are reach and strategy implemented for the country. Develop sales through retail network. Identify business opportunities in the area of responsibility and ensure long term maximization of the Geberit position in these regions. Develop and implement consistent, transparent and effective sales policy.<br>A Retail Consultant is responsible to achieve sales objectives in terms of values and profitability; implement agreed retail strategy across the region, based in Doha, Qatar and supporting Qatar, Kuwait and Oman Retail business when needed. Identify business opportunities in his area of responsibility and cooperate with PM and Marketing departments to further grow our retail business. This position will be reporting to Head of Retail based in Dubai, UAE.<br>MAIN TASKS<br>Develop retail channel ensuring we achieve annual budget in terms of sales and profitability Establish productive, professional relationships with key personnel in assigned partners Ensures coverage of the whole market with displays of Geberit systems in compliance with corporate guidelines Monitor debtors to determine credit limits and evaluate risks Evaluate market potential and monitor competition in terms of products, activities, pricing. Align with PM and marketing to develop and execute appropriate business plan involving product and marketing strategy, distribution, pricing, communication, and promotions Performs products trainings and company presentations in selective partners and conveys Geberit USP in a clear way and motivational way<br><br>EDUCATION AND QUALIFICATION<br>1st education: degree in economics or sanitary technical education with additional education in sales/ economicsadditional education: degree in marketing or experience in retail in Sanitary marketspecial knowledge/ experience; experience in distribution<br><br><br>WE OFFER<br>A corporate culture based on our compass Flat hierarchies and a collegial environment Positive work-life balance Varied tasks and exciting projects<br><br>We offer you the prospects of a successful company and an extremely varied range of tasks. Are you interested? Then we look forward to receiving your detailed online application.<br><br>Job Type: Full-Time Contract: Permanent<br><br>Location: Doha

PURPOSE OF POSITION<br>Ensure sales objectives are reach and strategy implemented for the country. Develop sales through retail network. Identify business opportunities in the area of responsibility and ensure long term maximization of the Geberit position in these regions. Develop and implement consistent, transparent and effective sales policy.<br>A Retail Consultant is responsible to achieve sales objectives in terms of values and profitability; implement agreed retail strategy across the region, based in Doha, Qatar and supporting Qatar, Kuwait and Oman Retail business when needed. Identify business opportunities in his area of responsibility and cooperate with PM and Marketing departments to further grow our retail business. This position will be reporting to Head of Retail based in Dubai, UAE.<br>MAIN TASKS<br>Develop retail channel ensuring we achieve annual budget in terms of sales and profitability Establish productive, professional relationships with key personnel in assigned partners Ensures coverage of the whole market with displays of Geberit systems in compliance with corporate guidelines Monitor debtors to determine credit limits and evaluate risks Evaluate market potential and monitor competition in terms of products, activities, pricing. Align with PM and marketing to develop and execute appropriate business plan involving product and marketing strategy, distribution, pricing, communication, and promotions Performs products trainings and company presentations in selective partners and conveys Geberit USP in a clear way and motivational way<br><br>EDUCATION AND QUALIFICATION<br>1st education: degree in economics or sanitary technical education with additional education in sales/ economicsadditional education: degree in marketing or experience in retail in Sanitary marketspecial knowledge/ experience; experience in distribution<br><br><br>WE OFFER<br>A corporate culture based on our compass Flat hierarchies and a collegial environment Positive work-life balance Varied tasks and exciting projects<br><br>We offer you the prospects of a successful company and an extremely varied range of tasks. Are you interested? Then we look forward to receiving your detailed online application.<br><br>Job Type: Full-Time Contract: Permanent<br><br>Location: Doha

PURPOSE OF POSITION<br>Ensure sales objectives are reach and strategy implemented for the country. Develop sales through retail network. Identify business opportunities in the area of responsibility and ensure long term maximization of the Geberit position in these regions. Develop and implement consistent, transparent and effective sales policy.<br>A Retail Consultant is responsible to achieve sales objectives in terms of values and profitability; implement agreed retail strategy across the region, based in Doha, Qatar and supporting Qatar, Kuwait and Oman Retail business when needed. Identify business opportunities in his area of responsibility and cooperate with PM and Marketing departments to further grow our retail business. This position will be reporting to Head of Retail based in Dubai, UAE.<br>MAIN TASKS<br>Develop retail channel ensuring we achieve annual budget in terms of sales and profitability Establish productive, professional relationships with key personnel in assigned partners Ensures coverage of the whole market with displays of Geberit systems in compliance with corporate guidelines Monitor debtors to determine credit limits and evaluate risks Evaluate market potential and monitor competition in terms of products, activities, pricing. Align with PM and marketing to develop and execute appropriate business plan involving product and marketing strategy, distribution, pricing, communication, and promotions Performs products trainings and company presentations in selective partners and conveys Geberit USP in a clear way and motivational way<br><br>EDUCATION AND QUALIFICATION<br>1st education: degree in economics or sanitary technical education with additional education in sales/ economicsadditional education: degree in marketing or experience in retail in Sanitary marketspecial knowledge/ experience; experience in distribution<br><br><br>WE OFFER<br>A corporate culture based on our compass Flat hierarchies and a collegial environment Positive work-life balance Varied tasks and exciting projects<br><br>We offer you the prospects of a successful company and an extremely varied range of tasks. Are you interested? Then we look forward to receiving your detailed online application.<br><br>Job Type: Full-Time Contract: Permanent<br><br>Location: Doha

PURPOSE OF POSITION<br>Ensure sales objectives are reach and strategy implemented for the country. Develop sales through retail network. Identify business opportunities in the area of responsibility and ensure long term maximization of the Geberit position in these regions. Develop and implement consistent, transparent and effective sales policy.<br>A Retail Consultant is responsible to achieve sales objectives in terms of values and profitability; implement agreed retail strategy across the region, based in Doha, Qatar and supporting Qatar, Kuwait and Oman Retail business when needed. Identify business opportunities in his area of responsibility and cooperate with PM and Marketing departments to further grow our retail business. This position will be reporting to Head of Retail based in Dubai, UAE.<br>MAIN TASKS<br>Develop retail channel ensuring we achieve annual budget in terms of sales and profitability Establish productive, professional relationships with key personnel in assigned partners Ensures coverage of the whole market with displays of Geberit systems in compliance with corporate guidelines Monitor debtors to determine credit limits and evaluate risks Evaluate market potential and monitor competition in terms of products, activities, pricing. Align with PM and marketing to develop and execute appropriate business plan involving product and marketing strategy, distribution, pricing, communication, and promotions Performs products trainings and company presentations in selective partners and conveys Geberit USP in a clear way and motivational way<br><br>EDUCATION AND QUALIFICATION<br>1st education: degree in economics or sanitary technical education with additional education in sales/ economicsadditional education: degree in marketing or experience in retail in Sanitary marketspecial knowledge/ experience; experience in distribution<br><br><br>WE OFFER<br>A corporate culture based on our compass Flat hierarchies and a collegial environment Positive work-life balance Varied tasks and exciting projects<br><br>We offer you the prospects of a successful company and an extremely varied range of tasks. Are you interested? Then we look forward to receiving your detailed online application.<br><br>Job Type: Full-Time Contract: Permanent<br><br>Location: Doha

We are seeking a highly motivated and customer-focused Luxury Retail Sales Executive to join our prestigious luxury watch showroom. The ideal candidate will have a passion for premium brands, exceptional interpersonal skills, and a proven track record in luxury retail sales. Key Responsibilities Welcome and engage clients with a warm and professional approach, delivering a personalized luxury shopping experience. Understand customer preferences and provide tailored recommendations from our exclusive watch portfolio. Build and maintain long-term client relationships through effective follow-ups and after-sales service. Maintain strong product knowledge and stay updated on luxury watch brands, products, and market trends. Achieve and exceed individual and showroom sales targets. Maintain the showroom to the highest standards and ensure compliance with brand visual merchandising guidelines. Assist with inventory management, stock replenishment, and product displays. Handle customer inquiries and feedback professionally and ensure prompt resolution of concerns. Support the planning and execution of showroom events, promotions, and client engagement activities. Maintain confidentiality and professionalism when dealing with high-value clients and transactions. Requirements Bachelor's degree in Business, Retail Management, Marketing, or a related field. Previous experience in a watch showroom is mandatory. Minimum 3–4 years of experience in high-end/luxury retail sales. Experience with internationally recognized luxury brands is mandatory. Proven track record of achieving or exceeding sales targets. Strong clienteling and customer relationship management skills. Excellent communication, presentation, and interpersonal skills. Highly professional and presentable with a passion for luxury products. Strong knowledge of luxury retail standards and customer service. Ability to work flexible retail hours, including weekends and public holidays. Fluency in Arabic and English is mandatory.

At WHOOP, we’re on a mission to unlock human performance and healthspan. WHOOP empowers members to perform at a higher level through a deeper understanding of their bodies and daily lives. Through cutting-edge hardware, software, and data science, WHOOP delivers personalized insights that help members optimize recovery, training, sleep, and overall well-being.<br><br>WHOOP is seeking a Retail Lead to support the launch and lead day-to-day operations of WHOOP Qatar, an experiential performance center, research lab, and store located in the heart of Msheireb.<br><br>This individual will play a critical role in bringing the WHOOP retail vision to life in Qatar, overseeing the successful opening of the store, building and leading a high-performing team, and delivering a premium, data-driven member experience. The Retail Lead will ensure operational excellence across extended hours (12 hours per day, 7 days per week), drive membership and retail performance, and uphold the brand standards expected of a world-class performance destination. This role reports directly to the Director, WHOOP Qatar.<br><br>This role is based in Doha, Qatar. We will only consider candidates who currently live in Doha.<br><br>Responsibilities<br><br>Lead the end-to-end launch of WHOOP Qatar’s retail experience, ensuring flawless execution across store buildout, merchandising, systems, staffing, and experiential programming. Manage daily retail operations for a 12-hour/day, 7-day/week schedule, maintaining exceptional standards of service, organization, and operational excellence. Recruit, hire, train, and schedule Research Associates to support both retail and experiential functions, fostering a high-performance, member-centric team culture. Drive revenue growth through the sale of WHOOP memberships, accessories, apparel, and the signature WHOOP Your Way experience, consistently meeting or exceeding sales targets. Uphold premium brand standards across visual merchandising, store presentation, inventory management, and member engagement. Partner cross-functionally with global and regional stakeholders to ensure alignment with brand, marketing, and operational strategies. Partner with Creative and Brand Departments on sustaining of regular fixture improvements and changes. Maintain rigorous attention to detail across reporting, scheduling, compliance, and operational processes to ensure a seamless member experience.<br><br>Qualifications<br><br>8+ years of retail management experience, including launching and operating high-end retail stores or experiential environments. Experience working with premium or luxury brands, with a strong understanding of elevated service standards and clienteling. Demonstrated success recruiting, developing, and leading teams in high-traffic, extended-hours retail environments. Proven ability to execute store launches or major retail activations with exceptional organization and attention to detail. Strong operational acumen, including inventory management, scheduling, sales performance tracking, and KPI accountability. Excellent communication and leadership skills, with the ability to motivate teams and represent WHOOP in a premium retail setting. Proficiency in Arabic preferred. Strong commitment to embracing and leveraging AI tools in day-to-day tasks, ensuring AI-assisted work aligns with the same high-quality standards as personal contributions. This role is based in Doha, Qatar. We will only consider candidates who currently live in Doha.<br><br>Interested in the role, but don’t meet every qualification? We encourage you to still apply! At WHOOP, we believe there is much more to a candidate than what is written on paper, and we value character as much as experience. As we continue to build a diverse and inclusive environment, we encourage anyone who is interested in this role to apply.<br><br>WHOOP is an Equal Opportunity Employer and participates in E-verify to determine employment eligibility. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

<p>وصف الوظيفة كمدير، نمو إعلانات تجارة التجزئة الرقمية، ستكون جزءًا من فريق نمو إعلانات تجارة التجزئة reporting to the Sr. Manager, Retail Media Growth. You will own a portfolio of accounts across MENA, driving ad sales, expanding advertiser relationships, and unlocking revenue from long-tail and local market accounts. This is a hands-on, high-impact role for someone with an Ads Tech or digital advertising background, who thrives on meeting ambitious targets and building strong advertiser partnerships. What s On Your Plate? Own a portfolio of accounts, including both major advertisers and long-tail clients across local markets. Drive sales growth by identifying opportunities, pitching retail media solutions, and executing campaigns end-to-end. Build strong relationships with CPG brands, agencies, and suppliers, acting as their trusted retail media advisor. Collaborate with the broader Growth team, Product, and Marketing to develop tailored ad solutions and maximize client ROI. Execute Go To Market strategies at the account level, including campaign planning, targeting, and reporting. Track account performance, identify growth opportunities, and provide actionable insights to internal stakeholders. JD Leverage ad tech knowledge to recommend the right solutions and optimize campaigns for scale and performance. Support strategic initiatives such as seasonal campaigns, category growth plays, and regional expansion.</p><p><strong>Desired Candidate Profile</strong></p><ul><li>4 6 سنوات من الخبرة في تقنيات الإعلانات، تجارة التجزئة الرقمية، الإعلان الرقمي، أو إدارة الحسابات.</li><li>سجل مثبت من تحقيق أو تجاوز أهداف المبيعات في الإعلان الرقمي أو تجارة التجزئة الرقمية.</li><li>فهم قوي لمنصات تقنيات الإعلانات أو نظم بيئة تجارة التجزئة الرقمية.</li><li>مهارات بناء العلاقات والتواصل ممتازة، مع القدرة على التأثير في العملاء والفرق الداخلية.</li><li>منظم للغاية وقادر على إدارة عدة حسابات وحملات في وقت واحد.</li><li>نهج قائم على البيانات مع خبرة في استخدام التحليلات لتحسين الحملات وتحديد فرص النمو.</li><li>إبداعي، موجه للحلول، ومريح للعمل في بيئة سريعة النمو.</li><li>البدء بنفسك، يستطيع تحديد الفرص بشكل استباقي وتحمل مسؤولية نمو الحساب.</li></ul>

Talabat is part of the Delivery Hero Group, the world’s pioneering local delivery platform, our mission is to deliver an amazing experience—fast, easy, and to your door. We operate in around 65 countries worldwide. Headquartered in Berlin, Germany. Delivery Hero has been listed on the Frankfurt Stock Exchange since 2017 and is part of the MDAX stock market index.<br><br>Job Description<br><br>As Manager, Retail Media Ads Growth, you will be part of the Retail Media Growth team reporting to the Sr. Manager, Retail Media Growth. You will own a portfolio of accounts across MENA, driving ad sales, expanding advertiser relationships, and unlocking revenue from long-tail and local market accounts.<br><br>This is a hands-on, high-impact role for someone with an Ads Tech or digital advertising background, who thrives on meeting ambitious targets and building strong advertiser partnerships.<br><br>What’s On Your Plate?<br><br>Own a portfolio of accounts, including both major advertisers and long-tail clients across local markets. Drive sales growth by identifying opportunities, pitching retail media solutions, and executing campaigns end-to-end. Build strong relationships with CPG brands, agencies, and suppliers, acting as their trusted retail media advisor. Collaborate with the broader Growth team, Product, and Marketing to develop tailored ad solutions and maximize client ROI. Execute Go To Market strategies at the account level, including campaign planning, targeting, and reporting. Track account performance, identify growth opportunities, and provide actionable insights to internal stakeholders. JD Leverage ad tech knowledge to recommend the right solutions and optimize campaigns for scale and performance. Support strategic initiatives such as seasonal campaigns, category growth plays, and regional expansion.<br><br>What Did We Order?<br><br>4–6 years of experience in ads tech, retail media, digital advertising, or account management. Proven track record of meeting or exceeding sales targets in digital advertising or retail media. Strong understanding of ad tech platforms or retail media ecosystems. Excellent relationship-building and communication skills, with the ability to influence clients and internal teams. Highly organized and capable of managing multiple accounts and campaigns simultaneously. Data-driven mindset with experience using analytics to optimize campaigns and identify growth opportunities. Creative, solution-oriented, and comfortable working in a fast-paced, high-growth environment. Self-starter who can proactively identify opportunities and take ownership of account growth.

Talabat is part of the Delivery Hero Group, the world’s pioneering local delivery platform, our mission is to deliver an amazing experience—fast, easy, and to your door. We operate in around 65 countries worldwide. Headquartered in Berlin, Germany. Delivery Hero has been listed on the Frankfurt Stock Exchange since 2017 and is part of the MDAX stock market index.<br><br>Job Description<br><br>As Manager, Retail Media Ads Growth, you will be part of the Retail Media Growth team reporting to the Sr. Manager, Retail Media Growth. You will own a portfolio of accounts across MENA, driving ad sales, expanding advertiser relationships, and unlocking revenue from long-tail and local market accounts.<br><br>This is a hands-on, high-impact role for someone with an Ads Tech or digital advertising background, who thrives on meeting ambitious targets and building strong advertiser partnerships.<br><br>What’s On Your Plate?<br><br>Own a portfolio of accounts, including both major advertisers and long-tail clients across local markets. Drive sales growth by identifying opportunities, pitching retail media solutions, and executing campaigns end-to-end. Build strong relationships with CPG brands, agencies, and suppliers, acting as their trusted retail media advisor. Collaborate with the broader Growth team, Product, and Marketing to develop tailored ad solutions and maximize client ROI. Execute Go To Market strategies at the account level, including campaign planning, targeting, and reporting. Track account performance, identify growth opportunities, and provide actionable insights to internal stakeholders. JD Leverage ad tech knowledge to recommend the right solutions and optimize campaigns for scale and performance. Support strategic initiatives such as seasonal campaigns, category growth plays, and regional expansion.<br><br>What Did We Order?<br><br>4–6 years of experience in ads tech, retail media, digital advertising, or account management. Proven track record of meeting or exceeding sales targets in digital advertising or retail media. Strong understanding of ad tech platforms or retail media ecosystems. Excellent relationship-building and communication skills, with the ability to influence clients and internal teams. Highly organized and capable of managing multiple accounts and campaigns simultaneously. Data-driven mindset with experience using analytics to optimize campaigns and identify growth opportunities. Creative, solution-oriented, and comfortable working in a fast-paced, high-growth environment. Self-starter who can proactively identify opportunities and take ownership of account growth.

عن مجموعة QNB<br><br>تأسست مجموعة QNB في عام 1964 كأول بنك تجاري قطري، وقد نمت المجموعة بخطى ثابتة لتصبح أكبر بنك في منطقة الشرق الأوسط وأفريقيا.<br><br>يتواجد QNB من خلال شركاته التابعة والزميلة في أكثر من 31 دولة عبر ثلاث قارات، حيث يقدم مجموعة شاملة من المنتجات والخدمات المتطورة. ويعمل لدى المجموعة ما يزيد عن 28,000 موظف في أكثر من 1,000 فرع ومكتب تمثيلي، بالإضافة إلى شبكة واسعة من أجهزة الصراف الآلي تضم 4,300 جهازاً.<br><br>حافظ QNB على مكانته كأحد أعلى البنوك تصنيفاً في المنطقة من قبل وكالات التصنيف الائتماني العالمية الرائدة، مثل ستاندرد آند بورز (A)، وموديز (Aa3)، وفيتش (A+). كما حصل البنك على العديد من الجوائز من قبل مجلات مالية متخصصة ذات سمعة عالمية.<br><br>وبناءً على الأداء المالي القوي والمستمر للمجموعة وتوسع حضورها الدولي، صُنف QNB حالياً كأثمن علامة تجارية مصرفية في منطقة الشرق الأوسط وأفريقيا، وفقاً لمجلة "براند فاينانس".<br><br>تلتزم مجموعة QNB ببرامج دعم مجتمعية نشطة وترعى العديد من الفعاليات الاجتماعية والتعليمية والرياضية.<br><br>ملخص الغرض من الوظيفة<br><br>سيعمل شاغل الوظيفة على دعم النائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية (مسؤول الاتصال) في تنفيذ الاستراتيجيات والخطط من خلال العمل كنقطة اتصال رئيسية للدولة المخصصة. سيقوم شاغل الوظيفة بإدارة العلاقات بشكل استباقي مع رئيس قطاع التجزئة في الدولة المخصصة وتقديم الدعم بطريقة فعالة وفي الوقت المناسب. كما سيعمل على تسهيل حل المشكلات العالقة والقيام بدور الممكن للمتطلبات الجديدة من خلال العمل عن كثب مع إدارات التجزئة في المجموعة وإدارات الدعم. سيقوم شاغل الوظيفة بتتبع وتقديم تحديثات الأداء للنائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية فيما يتعلق بخطط العمل ومؤشرات الأداء الرئيسية للدولة المخصصة.<br><br>المهام والمسؤوليات الأساسية حسب الأبعاد<br><br>المساهمون والجانب المالي: المساعدة بشكل استباقي في تنفيذ الاستراتيجيات والمنتجات والخدمات والأنظمة والاتصالات التسويقية والخطط لتحقيق كافة أهداف الحجم والإيرادات والأرباح للدولة المخصصة ضمن مجموعة (آسيا، أوروبا، أفريقيا، الشرق الأوسط) بالتنسيق مع النائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية. دعم تحقيق الميزانيات المستهدفة للدولة المخصصة بالتنسيق مع النائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية، بما يتوافق مع استراتيجية التجزئة العامة للمجموعة. تعزيز الوعي بالتكلفة والكفاءة وزيادة الإنتاجية لتقليل التكاليف وتجنب الهدر وتحسين الفوائد للبنك. العمل ضمن حدود الصلاحيات المفوضة، وتنفيذ مؤشرات الأداء الرئيسية وأفضل الممارسات لوظيفة مشارك أول مسؤول الاتصال بقطاع التجزئة الدولي. العميل (داخلي وخارجي): تنسيق الأنشطة مع إدارات التجزئة والدعم في المجموعة لتقديم الدعم للدولة المخصصة ضمن مجموعة (آسيا، أوروبا، أفريقيا، الشرق الأوسط) بالتنسيق مع النائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية. الحفاظ على كونك "نقطة اتصال واحدة" للدولة المخصصة، وضمان تقديم دعم فعال وفي الوقت المناسب بمهنية عالية وأسلوب ودي لتلبية احتياجاتهم وحل استفساراتهم. بناء والحفاظ على علاقات قوية وفعالة مع كافة الإدارات والوحدات ذات الصلة لتحقيق أهداف الدولة المخصصة. إدارة تطوير وتنفيذ وموائمة أفضل ممارسات الخدمات المصرفية للأفراد عبر الدولة المخصصة بالتنسيق مع النائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية. مساعدة العملاء في كافة استفساراتهم حول منتجات البنك وإيجاد حلول لطلباتهم. تنفيذ الأنشطة وفقاً لاتفاقيات مستوى الخدمة (SLAs) مع الإدارات الداخلية لتحقيق تحسينات في زمن التنفيذ. بناء والحفاظ على علاقات قوية/فعالة مع الإدارات/الوحدات ذات الصلة لتحقيق أهداف المجموعة. توفير بيانات دقيقة وفي الوقت المناسب للمدققين الخارجيين/الداخليين، والامتثال، والرقابة المالية، وإدارة المخاطر عند الحاجة. الداخلية (العمليات، المنتجات، التنظيم): مراقبة اتفاقيات مستوى الخدمة (SLA) وأداء زمن التنفيذ (TAT) بين الدولة المخصصة وإدارات التجزئة والدعم في المجموعة لضمان فعالية نموذج العمل. القدرة على مراجعة تقارير الإدارة ومعلومات الأعمال لتقييم أداء الدولة المخصصة بالتنسيق مع النائب الأول لرئيس التجزئة الدولية ومساعد النائب لرئيس التجزئة الدولية. التعلم والمعرفة: القدرة على امتلاك فهم جيد لاستراتيجية التجزئة بالمجموعة وخطط الأعمال ومؤشرات الأداء الرئيسية، مع معرفة جيدة بأعمال واحتياجات الدول المخصصة. تحديد مجالات التطوير المهني ذاتياً والقيام بأنشطة التطوير المطلوبة.<br><br>متطلبات التعليم والخبرة<br><br>درجة البكالوريوس الجامعية ويفضل أن تكون في تخصص التسويق، أو المصرفية، أو المالية، أو المحاسبة، أو الاقتصاد، أو إدارة الأعمال، أو تكنولوجيا المعلومات (مجال دراسي ذو صلة)، خبرة لا تقل عن سنتين ذات صلة، ويفضل أن تكون في بنك دولي ذو تصنيف عالٍ.<br><br>ملاحظة: سيُطلب منك إرفاق ما يلي:<br><br>السيرة الذاتية، صورة عن جواز السفر، صورة عن البطاقة الشخصية، الشهادة الجامعية، شهادة الميلاد

About QNB<br><br>Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.<br><br>QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.<br><br>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.<br><br>Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.<br><br>QNB Group has an active community support program and sponsors various social, educational and sporting events.<br><br>Job Summary<br><br>The incumbent will be responsible for managing the collection process for assigned portfolio of delinquent Retail customers of QNB (as assigned by SVP, Retail Recovery Control) with the objective of progressively reducing overall overdue credit exposure of the bank (Retail NPL Portfolio) through implementation of loan re-structuring, collection and collateral asset sale strategies using coordination and interaction with the defaulting customers, Legal personnel, the state police authorities and external debt collection agencies hired by the bank, if any. The Retail NPL Portfolio will include but not limited to over-due personal loans and advances, late credit cards payments and defaulted vehicle loans and mortgage loans. The Retail Division Collection Unit will report on a dotted line basis to the SVP, Retail Recovery Control. The incumbent will closely coordinate with, and monitor and supervise, the Retail Collection Unit to monitor and control Retail NPL accounts’ operations to comply with the agreed remedial account strategy, bank’s procedures and guidelines and to achieve bank’s objectives.<br><br>Main Responsibilities<br><br> Shareholder & Financial: - Implement the bank has approved overdue loans collections strategy to minimize loss to the bank. Continuously identify ways to improve collection process and recommend implementation. - Conduct thorough analysis of the bank’s Retail NPL portfolio to identify bucket-wise trends and formulate strategies to ensure progressive reduction in bucket-wise outstanding / overdue figures, especially for the higherend buckets (associated with high probability of default). For the lower-end buckets (representing one or two instalments overdue), ensure proactive steps are immediately taken to collect the overdue amounts on timely basis to prevent the outstanding amounts from moving to the higher-end default buckets. - Pro-actively participate in the preparation / updating of policies and procedures to meet the needs of current market and working environment to protect the best interests of the bank and to ensure efficient and effective process flow of the Department’s functions. - Formulate feasible remedial / collection strategy for re-structuring / re-scheduling of defaulting clients’ accounts, obtain approval from relevant approving authority, negotiate and finalize with customer and implement approved work-out strategy and action plan in an efficient and effective manner, and continuously identify ways to improve collection process, and ensure close follow up and monitoring for compliance with agreements to minimize losses for the bank. - Properly implement collection and provisioning process in accordance with QNB’s policies and procedures and in compliance with QCB and other relevant regulatory requirements, accounting standards, and industry norms. - Work closely and coordinate with all concerned QNB Business units, Credit Risk officers, Department’s staff and third party collection agents engaged by the bank to aggressively pursue their collection objectives and goals. - Adhere to, and achieve collection control team Benchmark levels, and KPIs, as stated by EVP, Group Remedial. - Implements KPI’s and best practices for Retail Recovery Control. - Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank. - Act within the limits of the powers delegated to the incumbent. Customer (Internal & External): - Ensure full knowledge and understanding of all Retail NPL cases assigned including reviewing all customer and deal information including conducting site visits, and assessing the true status of the customer’s business, - Maintain close links with market intelligence to quickly respond to identified risk issues and potential problems. - Build and maintain strong and effective working relationship with the Retail Banking Division – Collections Unit, the QNB Legal Department and all other concerned QNB units, as well as external third party professionals, legal consultants, government officials, etc. to achieve the Department’s goals and objectives. - Keep close tabs and follow up on customer activities and whereabouts through communication with such customer’s employer, Telecommunication companies, Ministry of Interior information centers, credit bureaus, etc. - Implement policies/ procedures and related processes pertaining to the Retail NPL collections function, which includes guidelines for initiating contact with the errant customers (verbal/ written reminders) Internal (Processes, Products, Regulatory): - Work closely and proactively with Retail Banking and Asset & Wealth Management Business units, and or the Early Warning officers to identify non-performing customers. - Collect updated information on the identified Retail NPL customer by conducting comprehensive checking with all possible resources including QCB Credit Bureau, other bankers, suppliers, buyers, competitors and other relevant third parties [without duplicating checking already made by the Early Warning officers]. - Assign / transfer the overdue Retail accounts to the Retail Collection Unit for day-to-day management as soon as deemed necessary and appropriate (after exhaustive efforts by the business area to settle the overdue balances have failed). - Supervise, monitor and control the Retail Collection Unit’s activities to ensure proper implementation of agreed collection strategies in an efficient and effective manner, and in compliance with the bank’s policies and. Procedures, as well as QCB regulations. Immediately advised the bank’s Legal personnel of such Retail NPL accounts and provide them with relevant legal documentation related to the exposure as early as possible so that timely action can be initiated to avoid further deterioration of the account and or initiate early recovery of the overdue amounts including conducting thorough legal documentation review and security / collateral confirmation and re-valuation to assess the current legal and collateral position of the bank to formulate the appropriate remedial, re-structuring / and collection strategy for such account with the best interests of the bank in mind and or to assist in building up bank’s case against the customer. - Determine updated collateral [real estate and movable assets] values and mark to market values of securities pledged – if any, and assess the liquidity of such collateral to estimate recovery potential upon liquidation scenario execution. - Recommend, in coordination with Retail Collection Unit, engagement of competent and reputable external debt collectors to augment retail collection efforts, especially for overseas defaulters overseas, and manage the relationship by ensuring the existence of a process whereby timely and updated information regarding defaulting / absconding customers is provided to them to help the agencies in their efforts to track such customers; and in turn periodic collection status reports are given to the Department to update us on developments. Responsible for recommending termination of low performing debt collectors. - Initiate and recommend, in coordination with Retail Collection Unit and QNB Legal Counsel, the engagement of competent external legal counsel, and or referral / filing of case against the erring customer with the Police authorities if deemed necessary and appropriate, particularly for large and complicated delinquent exposures and difficult / non-cooperative clients. - Prepare and release Legal Notices when cases are filed, and cancel such Notices when cases are settled. - Closely follow up and monitor Retail NPL cases referred to external collection agents, external legal counsel, police authorities and or legal [civil/ criminal] courts and provide regular periodic reports summarizing status and developments of such cases. - Execute on timely basis the required actions related to the management, control, monitoring, maintenance and reporting of Retail NPL portfolio including but not limited to: formulation / negotiation and finalization of restructuring / re-scheduling agreement with customers – including tenor extensions; reversal of accrued interests; interest rate reductions; re-activation of credit cards; determination and booking of Loan Loss Provisions, in accordance with the delegated authorities granted by the Group Credit Committee, the Bank’s policies and procedures and the QCB requirements. - Manage the public auctions process and ensure the independence over the selection and evaluation of bids. - Properly record loan loss provisions in accordance with appropriate Senior Management approval and QCB requirements. - In coordination with the Retail Collection Unit, ensure the preparation of timely and accurate information concerning the bank’s delinquent Retail accounts portfolio and collection and control status reports for the SVP, Retail Recovery Control, Group Chief Risk Officer and concerned Senior Management, the internal and external auditors, and Group’s Compliance and Legal functions, relevant regulators, as and when required. The Reports will include but are not limited to: Daily Risk Report, Vehicle Repossession Report, Police Cases Report (cases raised or filed), and Ex-Staff Outstanding Report. Deceased Customers Report Reversed Interest Report. Rescheduled Loans Report, Collateral (Vehicles) Sold Report.<br><br>Education And Experience Requirements<br><br>Education & Experience Requirements: - Bachelor’s degree preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study). - At least 10 years of relevant experience, preferably within a highly rated international bank [or other comparable financial services or consultancy company] in a Retail or Corporate risk function.<br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education Certificate Copy of Birth Certificate

About QNB<br><br>Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.<br><br>QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.<br><br>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.<br><br>Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.<br><br>QNB Group has an active community support program and sponsors various social, educational and sporting events.<br><br>Job Summary<br><br>The incumbent will be responsible for assisting the collection process for assigned portfolio of delinquent Retail customers of QNB (as assigned by SVP, Retail Recovery Control) with the objective of progressively reducing overall overdue credit exposure of the bank (Retail NPL Portfolio) through implementation of loan re-structuring, collection and collateral asset sale strategies using coordination and interaction with the defaulting customers, Legal personnel, the state police authorities and external debt collection agencies hired by the bank, if any. The Retail NPL Portfolio will include but not limited to over-due personal loans and advances, late credit cards payments and defaulted vehicle loans and mortgage loans. The Retail Division Collection Unit will report on a dotted line basis to the SVP, Retail Recovery Control. The incumbent will closely coordinate with, and monitor and supervise, the Retail Collection Unit to monitor and control Retail NPL accounts’ operations to comply with the agreed remedial account strategy, bank’s procedures and guidelines and to achieve bank’s objectives.<br><br>Main Responsibilities<br><br> Shareholder & Financial: - - - - - - - - - -<br><br>Implement the bank has approved overdue loans collections strategy to minimize loss to the bank. Continuously<br><br>identify ways to improve collection process and recommend implementation.<br><br>Assist with analysis of the bank’s Retail NPL portfolio to identify bucket-wise trends and formulate strategies to<br><br>ensure progressive reduction in bucket-wise outstanding / overdue figures, especially for the higher-end buckets<br><br>(associated with high probability of default). For the lower-end buckets (representing one or two instalments<br><br>overdue), ensure proactive steps are immediately taken to collect the overdue amounts on timely basis to prevent<br><br>the outstanding amounts from moving to the higher-end default buckets.<br><br>Pro-actively participate in the preparation / updating of policies and procedures to meet the needs of current<br><br>market and working environment to protect the best interests of the bank and to ensure efficient and effective<br><br>process flow of the Department’s functions.<br><br>Assist the remedial / collection strategy for re-structuring / re-scheduling of defaulting clients’ accounts, obtain<br><br>approval from relevant approving authority, negotiate and finalize with customer and implement approved work<br><br>out strategy and action plan in an efficient and effective manner, and continuously identify ways to improve<br><br>collection process, and ensure close follow up and monitoring for compliance with agreements to minimize losses<br><br>for the bank.<br><br>Assist the collection and provisioning process in accordance with QNB’s policies and procedures and in<br><br>compliance with QCB and other relevant regulatory requirements, accounting standards, and industry norms.<br><br>Work closely and coordinate with all concerned QNB Business units, Credit Risk officers, Department’s staff and<br><br>third party collection agents engaged by the bank to aggressively pursue their collection objectives and goals.<br><br>Adhere to, and achieve collection control team Benchmark levels, and KPIs, as stated by EVP, Group Remedial.<br><br>Implements KPI’s and best practices for Retail Recovery Control.<br><br>Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise<br><br>benefits for the bank.<br><br>Act within the limits of the powers delegated to the incumbent.<br><br> Customer (Internal & External): - - - - -<br><br>Ensure full knowledge and understanding of all Retail NPL cases assigned including reviewing all customer and<br><br>deal information including conducting site visits, and assessing the true status of the customer’s business,<br><br>Maintain close links with market intelligence to quickly respond to identified risk issues and potential problems.<br><br>Build and maintain strong and effective working relationship with the Retail Banking Division – Collections Unit,<br><br>the QNB Legal Department and all other concerned QNB units, as well as external third party professionals, legal<br><br>consultants, government officials, etc. to achieve the Department’s goals and objectives.<br><br>Keep close tabs and follow up on customer activities and whereabouts through communication with such<br><br>customer’s employer, Telecommunication companies, Ministry of Interior information centers, credit bureaus, etc.<br><br>Implement policies/ procedures and related processes pertaining to the Retail NPL collections function, which<br><br>includes guidelines for initiating contact with the errant customers (verbal/ written reminders), filing of charges with<br><br> Internal (Processes, Products, Regulatory): - - - - - - - - - - - - -<br><br>Work closely and proactively with Retail Banking and Asset & Wealth Management Business units, and or the<br><br>Early Warning officers to identify non-performing customers.<br><br>Collect updated information on the identified Retail NPL customer by conducting comprehensive checking with all<br><br>possible resources including QCB Credit Bureau, other bankers, suppliers, buyers, competitors and other relevant<br><br>third parties [without duplicating checking already made by the Early Warning officers].<br><br>Assign / transfer the overdue Retail accounts to the Retail Collection Unit for day-to-day management as soon as<br><br>deemed necessary and appropriate (after exhaustive efforts by the business area to settle the overdue balances<br><br>have failed).<br><br>Supervise, monitor and control the Retail Collection Unit’s activities to ensure proper implementation of agreed<br><br>collection strategies in an efficient and effective manner, and in compliance with the bank’s policies and.<br><br>Procedures, as well as QCB regulations. Immediately advised the bank’s Legal personnel of such Retail NPL<br><br>accounts and provide them with relevant legal documentation related to the exposure as early as possible so that<br><br>timely action can be initiated to avoid further deterioration of the account and or initiate early recovery of the<br><br>overdue amounts including conducting thorough legal documentation review and security / collateral confirmation<br><br>and re-valuation to assess the current legal and collateral position of the bank to formulate the appropriate<br><br>remedial, re-structuring / and collection strategy for such account with the best interests of the bank in mind and or<br><br>to assist in building up bank’s case against the customer.<br><br>Determine updated collateral [real estate and movable assets] values and mark to market values of securities<br><br>pledged – if any, and assess the liquidity of such collateral to estimate recovery potential upon liquidation scenario<br><br>execution.<br><br>Recommend, in coordination with Retail Collection Unit, engagement of competent and reputable external debt<br><br>collectors to augment retail collection efforts, especially for overseas defaulters overseas, and manage the<br><br>relationship by ensuring the existence of a process whereby timely and updated information regarding defaulting /<br><br>absconding customers is provided to them to help the agencies in their efforts to track such customers; and in turn<br><br>periodic collection status reports are given to the Department to update us on developments. Responsible for<br><br>recommending termination of low performing debt collectors.<br><br>Initiate and recommend, in coordination with Retail Collection Unit and QNB Legal Counsel, the engagement of<br><br>competent external legal counsel, and or referral / filing of case against the erring customer with the Police<br><br>authorities if deemed necessary and appropriate, particularly for large and complicated delinquent exposures and<br><br>difficult / non-cooperative clients.<br><br>Prepare and release Legal Notices when cases are filed, and cancel such Notices when cases are settled.<br><br>Closely follow up and monitor Retail NPL cases referred to external collection agents, external legal counsel,<br><br>police authorities and or legal [civil/ criminal] courts and provide regular periodic reports summarizing status and<br><br>developments of such cases.<br><br>Execute on timely basis the required actions related to the management, control, monitoring, maintenance and<br><br>reporting of Retail NPL portfolio including but not limited to: formulation / negotiation and finalization of re<br><br>structuring / re-scheduling agreement with customers – including tenor extensions; reversal of accrued interests;<br><br>interest rate reductions; re-activation of credit cards; determination and booking of Loan Loss Provisions, in<br><br>accordance with the delegated authorities granted by the Group Credit Committee, the Bank’s policies and<br><br>procedures and the QCB requirements.<br><br>Manage the public auctions process and ensure the independence over the selection and evaluation of bids.<br><br>Properly record loan loss provisions in accordance with appropriate Senior Management approval and QCB<br><br>requirements.<br><br>In coordination with the Retail Collection Unit, ensure the preparation of timely and accurate information<br><br>concerning the bank’s delinquent Retail accounts portfolio and collection and control status reports for the SVP,<br><br>Retail Recovery Control, Group Chief Risk Officer and concerned Senior Management, the internal and external<br><br>auditors, and Group’s Compliance and Legal functions, relevant regulators, as and when required. The Reports<br><br>will include but are not limited to: Daily Risk Report, Vehicle Repossession Report, Police Cases Report (cases<br><br>raised or filed), and Ex-Staff Outstanding Report. Deceased Customers Report Reversed Interest Report. Re<br><br>scheduled Loans Report, Collateral (Vehicles) Sold Report.<br><br> Legal, Regulatory, and Risk Framework Responsibilities: - Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to,<br><br>Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control<br><br>Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). - Understand and effectively perform your role under the Three Lines of Defence principle to identify measure,<br><br>monitor, manage and report risks. - Ensure systematic good outcomes for clients in accordance with Conduct Risk policy. - Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the<br><br>Operational Risk Management requirements. - Maintain appropriate knowledge to ensure full qualification to undertake the role. - Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence. - Attend mandatory (internal and external) seminars as instructed by the Bank.<br><br> Other: - Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information. - Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course<br><br>of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and<br><br>Compliance functions, and relevant Regulators. - Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position. - All other ad hoc duties/activities related to QNB that management might request from time to time. - responsible for identifying errant customers, and closely working with Retail Banking Division – Collection Unit, for<br><br>containing, minimizing and or reducing the bank’s NPL portfolio exposure levels and mitigate risks of further<br><br>deterioration, through formulation and implementation of a feasible re-scheduling agreement; frequent customer<br><br>contacts to monitor customer’s activities and status; taking of legal action and enforcement of security if any, and<br><br>the aggressive pursuance of the repayment of the overdue debt through all legal and market accepted means in<br><br>accordance with QNB policies and procedures and in compliance with QCB regulations.<br><br>Education And Experience Requirements<br><br>Bachelor’s degree preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study)<br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education Certificate Copy of Birth Certificate

About QNB<br><br>Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.<br><br>QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.<br><br>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.<br><br>Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.<br><br>QNB Group has an active community support program and sponsors various social, educational and sporting events.<br><br>Job Summary<br><br>The incumbent will be responsible for managing the collection process for assigned portfolio of delinquent Retail customers of QNB (as assigned by SVP, Retail Recovery Control) with the objective of progressively reducing overall overdue credit exposure of the bank (Retail NPL Portfolio) through implementation of loan re-structuring, collection and collateral asset sale strategies using coordination and interaction with the defaulting customers, Legal personnel, the state police authorities and external debt collection agencies hired by the bank, if any. The Retail NPL Portfolio will include but not limited to over-due personal loans and advances, late credit cards payments and defaulted vehicle loans and mortgage loans. The Retail Division Collection Unit will report on a dotted line basis to the SVP, Retail Recovery Control. The incumbent will closely coordinate with, and monitor and supervise, the Retail Collection Unit to monitor and control Retail NPL accounts’ operations to comply with the agreed remedial account strategy, bank’s procedures and guidelines and to achieve bank’s objectives.<br><br>Main Responsibilities<br><br> Shareholder & Financial: - - - - - - - - - -<br><br>Implement the bank has approved overdue loans collections strategy to minimize loss to the bank. Continuously<br><br>identify ways to improve collection process and recommend implementation.<br><br>Conduct thorough analysis of the bank’s Retail NPL portfolio to identify bucket-wise trends and formulate<br><br>strategies to ensure progressive reduction in bucket-wise outstanding / overdue figures, especially for the higher<br><br>end buckets (associated with high probability of default). For the lower-end buckets (representing one or two<br><br>instalments overdue), ensure proactive steps are immediately taken to collect the overdue amounts on timely<br><br>basis to prevent the outstanding amounts from moving to the higher-end default buckets.<br><br>Pro-actively participate in the preparation / updating of policies and procedures to meet the needs of current<br><br>market and working environment to protect the best interests of the bank and to ensure efficient and effective<br><br>process flow of the Department’s functions.<br><br>Formulate feasible remedial / collection strategy for re-structuring / re-scheduling of defaulting clients’ accounts,<br><br>obtain approval from relevant approving authority, negotiate and finalize with customer and implement approved<br><br>work-out strategy and action plan in an efficient and effective manner, and continuously identify ways to improve<br><br>collection process, and ensure close follow up and monitoring for compliance with agreements to minimize losses<br><br>for the bank.<br><br>Properly implement collection and provisioning process in accordance with QNB’s policies and procedures and in<br><br>compliance with QCB and other relevant regulatory requirements, accounting standards, and industry norms.<br><br>Work closely and coordinate with all concerned QNB Business units, Credit Risk officers, Department’s staff and<br><br>third party collection agents engaged by the bank to aggressively pursue their collection objectives and goals.<br><br>Adhere to, and achieve collection control team Benchmark levels, and KPIs, as stated by EVP, Group Remedial.<br><br>Implements KPI’s and best practices for Retail Recovery Control.<br><br>Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise<br><br>benefits for the bank.<br><br>Act within the limits of the powers delegated to the incumbent.<br><br> Customer (Internal & External): - - - - -<br><br>Ensure full knowledge and understanding of all Retail NPL cases assigned including reviewing all customer and<br><br>deal information including conducting site visits, and assessing the true status of the customer’s business,<br><br>Maintain close links with market intelligence to quickly respond to identified risk issues and potential problems.<br><br>Build and maintain strong and effective working relationship with the Retail Banking Division – Collections Unit,<br><br>the QNB Legal Department and all other concerned QNB units, as well as external third party professionals, legal<br><br>consultants, government officials, etc. to achieve the Department’s goals and objectives.<br><br>Keep close tabs and follow up on customer activities and whereabouts through communication with such<br><br>customer’s employer, Telecommunication companies, Ministry of Interior information centers, credit bureaus, etc.<br><br>Implement policies/ procedures and related processes pertaining to the Retail NPL collections function, which<br><br>includes guidelines for initiating contact with the errant customers (verbal/ written reminders),<br><br> Internal (Processes, Products, Regulatory): - - - - - - - - - - - - -<br><br>Work closely and proactively with Retail Banking and Asset & Wealth Management Business units, and or the<br><br>Early Warning officers to identify non-performing customers.<br><br>Collect updated information on the identified Retail NPL customer by conducting comprehensive checking with all<br><br>possible resources including QCB Credit Bureau, other bankers, suppliers, buyers, competitors and other relevant<br><br>third parties [without duplicating checking already made by the Early Warning officers].<br><br>Assign / transfer the overdue Retail accounts to the Retail Collection Unit for day-to-day management as soon as<br><br>deemed necessary and appropriate (after exhaustive efforts by the business area to settle the overdue balances<br><br>have failed).<br><br>Supervise, monitor and control the Retail Collection Unit’s activities to ensure proper implementation of agreed<br><br>collection strategies in an efficient and effective manner, and in compliance with the bank’s policies and.<br><br>Procedures, as well as QCB regulations. Immediately advised the bank’s Legal personnel of such Retail NPL<br><br>accounts and provide them with relevant legal documentation related to the exposure as early as possible so that<br><br>timely action can be initiated to avoid further deterioration of the account and or initiate early recovery of the<br><br>overdue amounts including conducting thorough legal documentation review and security / collateral confirmation<br><br>and re-valuation to assess the current legal and collateral position of the bank to formulate the appropriate<br><br>remedial, re-structuring / and collection strategy for such account with the best interests of the bank in mind and or<br><br>to assist in building up bank’s case against the customer.<br><br>Determine updated collateral [real estate and movable assets] values and mark to market values of securities<br><br>pledged – if any, and assess the liquidity of such collateral to estimate recovery potential upon liquidation scenario<br><br>execution.<br><br>Recommend, in coordination with Retail Collection Unit, engagement of competent and reputable external debt<br><br>collectors to augment retail collection efforts, especially for overseas defaulters overseas, and manage the<br><br>relationship by ensuring the existence of a process whereby timely and updated information regarding defaulting /<br><br>absconding customers is provided to them to help the agencies in their efforts to track such customers; and in turn<br><br>periodic collection status reports are given to the Department to update us on developments. Responsible for<br><br>recommending termination of low performing debt collectors.<br><br>Initiate and recommend, in coordination with Retail Collection Unit and QNB Legal Counsel, the engagement of<br><br>competent external legal counsel, and or referral / filing of case against the erring customer with the Police<br><br>authorities if deemed necessary and appropriate, particularly for large and complicated delinquent exposures and<br><br>difficult / non-cooperative clients.<br><br>Prepare and release Legal Notices when cases are filed, and cancel such Notices when cases are settled.<br><br>Closely follow up and monitor Retail NPL cases referred to external collection agents, external legal counsel,<br><br>police authorities and or legal [civil/ criminal] courts and provide regular periodic reports summarizing status and<br><br>developments of such cases.<br><br>Execute on timely basis the required actions related to the management, control, monitoring, maintenance and<br><br>reporting of Retail NPL portfolio including but not limited to: formulation / negotiation and finalization of re<br><br>structuring / re-scheduling agreement with customers – including tenor extensions; reversal of accrued interests;<br><br>interest rate reductions; re-activation of credit cards; determination and booking of Loan Loss Provisions, in<br><br>accordance with the delegated authorities granted by the Group Credit Committee, the Bank’s policies and<br><br>procedures and the QCB requirements.<br><br>Manage the public auctions process and ensure the independence over the selection and evaluation of bids.<br><br>Properly record loan loss provisions in accordance with appropriate Senior Management approval and QCB<br><br>requirements.<br><br>In coordination with the Retail Collection Unit, ensure the preparation of timely and accurate information<br><br>concerning the bank’s delinquent Retail accounts portfolio and collection and control status reports for the SVP,<br><br>Retail Recovery Control, Group Chief Risk Officer and concerned Senior Management, the internal and external<br><br>auditors, and Group’s Compliance and Legal functions, relevant regulators, as and when required. The Reports<br><br>will include but are not limited to: Daily Risk Report, Vehicle Repossession Report, Police Cases Report (cases<br><br>raised or filed), and Ex-Staff Outstanding Report. Deceased Customers Report Reversed Interest Report. Re<br><br>scheduled Loans Report, Collateral (Vehicles) Sold Report.<br><br> Legal, Regulatory, and Risk Framework Responsibilities: - Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to,<br><br>Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control<br><br>Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). - Understand and effectively perform your role under the Three Lines of Defence principle to identify measure,<br><br>monitor, manage and report risks. - Ensure systematic good outcomes for clients in accordance with Conduct Risk policy. - Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the<br><br>Operational Risk Management requirements. - Maintain appropriate knowledge to ensure full qualification to undertake the role. - Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence. - Attend mandatory (internal and external) seminars as instructed by the Bank.<br><br> Other: - Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information. - Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course<br><br>of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and<br><br>Compliance functions, and relevant Regulators. - Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position. - All other ad hoc duties/activities related to QNB that management might request from time to time. - responsible for identifying errant customers, and closely working with Retail Banking Division – Collection Unit, for<br><br>containing, minimizing and or reducing the bank’s NPL portfolio exposure levels and mitigate risks of further<br><br>deterioration, through formulation and implementation of a feasible re-scheduling agreement; frequent customer<br><br>contacts to monitor customer’s activities and status; taking of legal action and enforcement of security if any, and<br><br>the aggressive pursuance of the repayment of the overdue debt through all legal and market accepted means in<br><br>accordance with QNB policies and procedures and in compliance with QCB regulations.<br><br>Education And Experience Requirements<br><br>Bachelor’s degree preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study). - At least 8 years of relevant experience, preferably within a highly rated international bank [or other comparable financial services or consultancy company] in a Retail or Corporate risk function.<br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education Certificate Copy of Birth Certificate

About QNB<br><br>Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.<br><br>QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.<br><br>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.<br><br>Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.<br><br>QNB Group has an active community support program and sponsors various social, educational and sporting events.<br><br>Job Summary<br><br>The incumbent will be responsible for managing the collection process for assigned portfolio of delinquent Retail customers of QNB (as assigned by SVP, Retail Recovery Control) with the objective of progressively reducing overall overdue credit exposure of the bank (Retail NPL Portfolio) through implementation of loan re-structuring, collection and collateral asset sale strategies using coordination and interaction with the defaulting customers, Legal personnel, the state police authorities and external debt collection agencies hired by the bank, if any. The Retail NPL Portfolio will include but not limited to over-due personal loans and advances, late credit cards payments and defaulted vehicle loans and mortgage loans. The Retail Division Collection Unit will report on a dotted line basis to the SVP, Retail Recovery Control. The incumbent will closely coordinate with, and monitor and supervise, the Retail Collection Unit to monitor and control Retail NPL accounts’ operations to comply with the agreed remedial account strategy, bank’s procedures and guidelines and to achieve bank’s objectives.<br><br>Main Responsibilities<br><br> Shareholder & Financial: - - - - - - - - - -<br><br>Implement the bank has approved overdue loans collections strategy to minimize loss to the bank. Continuously<br><br>identify ways to improve collection process and recommend implementation.<br><br>Conduct thorough analysis of the bank’s Retail NPL portfolio to identify bucket-wise trends and formulate<br><br>strategies to ensure progressive reduction in bucket-wise outstanding / overdue figures, especially for the higher<br><br>end buckets (associated with high probability of default). For the lower-end buckets (representing one or two<br><br>instalments overdue), ensure proactive steps are immediately taken to collect the overdue amounts on timely<br><br>basis to prevent the outstanding amounts from moving to the higher-end default buckets.<br><br>Pro-actively participate in the preparation / updating of policies and procedures to meet the needs of current<br><br>market and working environment to protect the best interests of the bank and to ensure efficient and effective<br><br>process flow of the Department’s functions.<br><br>Formulate feasible remedial / collection strategy for re-structuring / re-scheduling of defaulting clients’ accounts,<br><br>obtain approval from relevant approving authority, negotiate and finalize with customer and implement approved<br><br>work-out strategy and action plan in an efficient and effective manner, and continuously identify ways to improve<br><br>collection process, and ensure close follow up and monitoring for compliance with agreements to minimize losses<br><br>for the bank.<br><br>Properly implement collection and provisioning process in accordance with QNB’s policies and procedures and in<br><br>compliance with QCB and other relevant regulatory requirements, accounting standards, and industry norms.<br><br>Work closely and coordinate with all concerned QNB Business units, Credit Risk officers, Department’s staff and<br><br>third party collection agents engaged by the bank to aggressively pursue their collection objectives and goals.<br><br>Adhere to, and achieve collection control team Benchmark levels, and KPIs, as stated by EVP, Group Remedial.<br><br>Implements KPI’s and best practices for Retail Recovery Control.<br><br>Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise<br><br>benefits for the bank.<br><br>Act within the limits of the powers delegated to the incumbent.<br><br> Customer (Internal & External): - - - - -<br><br>Ensure full knowledge and understanding of all Retail NPL cases assigned including reviewing all customer and<br><br>deal information including conducting site visits, and assessing the true status of the customer’s business,<br><br>Maintain close links with market intelligence to quickly respond to identified risk issues and potential problems.<br><br>Build and maintain strong and effective working relationship with the Retail Banking Division – Collections Unit,<br><br>the QNB Legal Department and all other concerned QNB units, as well as external third party professionals, legal<br><br>consultants, government officials, etc. to achieve the Department’s goals and objectives.<br><br>Keep close tabs and follow up on customer activities and whereabouts through communication with such<br><br>customer’s employer, Telecommunication companies, Ministry of Interior information centers, credit bureaus, etc.<br><br>Implement policies/ procedures and related processes pertaining to the Retail NPL collections function, which<br><br>includes guidelines for initiating contact with the errant customers (verbal/ written reminders),<br><br> Internal (Processes, Products, Regulatory): - - - - - - - - - - - - -<br><br>Work closely and proactively with Retail Banking and Asset & Wealth Management Business units, and or the<br><br>Early Warning officers to identify non-performing customers.<br><br>Collect updated information on the identified Retail NPL customer by conducting comprehensive checking with all<br><br>possible resources including QCB Credit Bureau, other bankers, suppliers, buyers, competitors and other relevant<br><br>third parties [without duplicating checking already made by the Early Warning officers].<br><br>Assign / transfer the overdue Retail accounts to the Retail Collection Unit for day-to-day management as soon as<br><br>deemed necessary and appropriate (after exhaustive efforts by the business area to settle the overdue balances<br><br>have failed).<br><br>Supervise, monitor and control the Retail Collection Unit’s activities to ensure proper implementation of agreed<br><br>collection strategies in an efficient and effective manner, and in compliance with the bank’s policies and.<br><br>Procedures, as well as QCB regulations. Immediately advised the bank’s Legal personnel of such Retail NPL<br><br>accounts and provide them with relevant legal documentation related to the exposure as early as possible so that<br><br>timely action can be initiated to avoid further deterioration of the account and or initiate early recovery of the<br><br>overdue amounts including conducting thorough legal documentation review and security / collateral confirmation<br><br>and re-valuation to assess the current legal and collateral position of the bank to formulate the appropriate<br><br>remedial, re-structuring / and collection strategy for such account with the best interests of the bank in mind and or<br><br>to assist in building up bank’s case against the customer.<br><br>Determine updated collateral [real estate and movable assets] values and mark to market values of securities<br><br>pledged – if any, and assess the liquidity of such collateral to estimate recovery potential upon liquidation scenario<br><br>execution.<br><br>Recommend, in coordination with Retail Collection Unit, engagement of competent and reputable external debt<br><br>collectors to augment retail collection efforts, especially for overseas defaulters overseas, and manage the<br><br>relationship by ensuring the existence of a process whereby timely and updated information regarding defaulting /<br><br>absconding customers is provided to them to help the agencies in their efforts to track such customers; and in turn<br><br>periodic collection status reports are given to the Department to update us on developments. Responsible for<br><br>recommending termination of low performing debt collectors.<br><br>Initiate and recommend, in coordination with Retail Collection Unit and QNB Legal Counsel, the engagement of<br><br>competent external legal counsel, and or referral / filing of case against the erring customer with the Police<br><br>authorities if deemed necessary and appropriate, particularly for large and complicated delinquent exposures and<br><br>difficult / non-cooperative clients.<br><br>Prepare and release Legal Notices when cases are filed, and cancel such Notices when cases are settled.<br><br>Closely follow up and monitor Retail NPL cases referred to external collection agents, external legal counsel,<br><br>police authorities and or legal [civil/ criminal] courts and provide regular periodic reports summarizing status and<br><br>developments of such cases.<br><br>Execute on timely basis the required actions related to the management, control, monitoring, maintenance and<br><br>reporting of Retail NPL portfolio including but not limited to: formulation / negotiation and finalization of re<br><br>structuring / re-scheduling agreement with customers – including tenor extensions; reversal of accrued interests;<br><br>interest rate reductions; re-activation of credit cards; determination and booking of Loan Loss Provisions, in<br><br>accordance with the delegated authorities granted by the Group Credit Committee, the Bank’s policies and<br><br>procedures and the QCB requirements.<br><br>Manage the public auctions process and ensure the independence over the selection and evaluation of bids.<br><br>Properly record loan loss provisions in accordance with appropriate Senior Management approval and QCB<br><br>requirements.<br><br>In coordination with the Retail Collection Unit, ensure the preparation of timely and accurate information<br><br>concerning the bank’s delinquent Retail accounts portfolio and collection and control status reports for the SVP,<br><br>Retail Recovery Control, Group Chief Risk Officer and concerned Senior Management, the internal and external<br><br>auditors, and Group’s Compliance and Legal functions, relevant regulators, as and when required. The Reports<br><br>will include but are not limited to: Daily Risk Report, Vehicle Repossession Report, Police Cases Report (cases<br><br>raised or filed), and Ex-Staff Outstanding Report. Deceased Customers Report Reversed Interest Report. Re<br><br>scheduled Loans Report, Collateral (Vehicles) Sold Report.<br><br> Legal, Regulatory, and Risk Framework Responsibilities: - Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to,<br><br>Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control<br><br>Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). - Understand and effectively perform your role under the Three Lines of Defence principle to identify measure,<br><br>monitor, manage and report risks. - Ensure systematic good outcomes for clients in accordance with Conduct Risk policy. - Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the<br><br>Operational Risk Management requirements. - Maintain appropriate knowledge to ensure full qualification to undertake the role. - Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence. - Attend mandatory (internal and external) seminars as instructed by the Bank.<br><br> Other: - Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information. - Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course<br><br>of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and<br><br>Compliance functions, and relevant Regulators. - Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position. - All other ad hoc duties/activities related to QNB that management might request from time to time. - responsible for identifying errant customers, and closely working with Retail Banking Division – Collection Unit, for<br><br>containing, minimizing and or reducing the bank’s NPL portfolio exposure levels and mitigate risks of further<br><br>deterioration, through formulation and implementation of a feasible re-scheduling agreement; frequent customer<br><br>contacts to monitor customer’s activities and status; taking of legal action and enforcement of security if any, and<br><br>the aggressive pursuance of the repayment of the overdue debt through all legal and market accepted means in<br><br>accordance with QNB policies and procedures and in compliance with QCB regulations.<br><br>Education And Experience Requirements<br><br>Bachelor’s degree preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study). - At least 8 years of relevant experience, preferably within a highly rated international bank [or other comparable financial services or consultancy company] in a Retail or Corporate risk function.<br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education Certificate Copy of Birth Certificate

Company Overview The Label is looking to hire reliable, organized, and responsible team members to support the daily operations of our growing retail businesses.<br>The Label is a luxury multi-brand modest fashion destination that brings together local and regional designers, with a focus on abayas, modest wear, and Khaleeji fashion.<br>II. Position Overview The Retail Supervisor is responsible for managing the daily operations of the boutiques and pop-ups, including sales staff, customer service, store presentation, sales performance, stock movement, staff duties, reporting, and store-level coordination.<br>The role requires someone who is firm, organized, sales-focused, detail-oriented, and able to manage a luxury retail environment. The Retail Supervisor must ensure that staff understand their responsibilities, customers receive excellent service, and the boutique is always maintained to a high standard.<br>III. Responsibilities and Duties Store Operations Supervise daily boutique and pop-up operations. Ensure stores open and close on time according to company procedures. Maintain store cleanliness, display standards, fitting rooms, lighting, racks, packaging areas, and customer-facing spaces. Ensure the boutique always reflects a luxury and premium retail image. Monitor staff presence, grooming, attendance, breaks, and daily performance. Assign daily duties to sales staff and ensure they are completed. Ensure store policies are followed consistently.<br>Sales Team Management Lead, train, and supervise the sales team. Ensure sales staff understand product information, designer details, pricing, sizes, exchange/refund policies, POS usage, and customer service standards. Monitor daily sales performance and push the team to achieve targets. Coach staff on upselling, cross-selling, customer communication, and luxury service. Report staff performance issues, shortages, lateness, poor attitude, or repeated mistakes to management. Ensure sales staff update sales reports and stock movement accurately.<br>Stock & Store Movement Monitor stock movement inside the store. Ensure stock receiving, stock transfers, returns, exchanges, and damaged items are recorded properly. Coordinate with the E-Commerce Specialist for online order stock confirmation. Coordinate with Relationship Manager if designer clarification is needed. Report missing stock, damaged items, wrong prices, or quantity mismatches immediately. Ensure physical stock is handled carefully and not released without proper documentation.<br>Customer Service Ensure customers receive a professional and luxury experience. Handle normal store-level customer complaints. Escalate serious complaints, VIP matters, designer-related complaints, refund requests, or legal concerns to Relationship Manager, Head of Finance, and Owner when required. Ensure customer complaints are documented and resolved properly.<br>Reporting Verify daily sales reports. Check POS, cash, card, invoices, and sales staff reports. Report discrepancies to the Junior Accountant and Head of Finance. Submit weekly store reports including sales, staff issues, stock issues, complaints, and store supply needs.<br>IV. Qualifications, Skills, and Competencies The ideal candidate should have:3–5 years of retail management experience. Experience in luxury retail, fashion, modest fashion, abayas, perfume, beauty, or multi-brand retail is preferred. Strong leadership and staff management skills. Strong customer service and sales skills. Ability to manage sales targets and staff performance. Good understanding of stock movement and POS systems. High attention to detail. Strong communication and reporting skills. Ability to work under pressure during pop-ups, events, launches, and busy periods. English is required; Arabic is an advantage.<br>V. Additional Requirements Must maintain boutique luxury standards at all times. Must be firm with staff while remaining professional. Must ensure reports are accurate before submission. Must escalate serious issues immediately. Must not approve refunds, payments, penalties, or commercial exceptions without management approval.

<h2 class=\"h5\">وصف الوظيفة</h2> <div class=\"t-break\" data-jb-field=\"description\">وصف الشركة<br><p> Talabat هي جزء من مجموعة Delivery Hero، أول منصة توصيل محلية رائدة في العالم، مهمتنا هي تقديم تجربة مميزة—سريعة، سهلة، وإلى بابك. نعمل في نحو 65 دولة في جميع أنحاء العالم. مقرانا في برلين، ألمانيا. تم إدراج Delivery Hero في بورصة فرانكفورت منذ 2017 وهو جزء من مؤشر MDAX لسوق الأسهم.</p><br><br>وصف الوظيفة<br><p>بصفتك مدير نمو إعلانات وسائل التجزئة، ستكون جزءاً من فريق نمو وسائل التجزئة وتقارير إلى مدير أول، نمو وسائل التجزئة. ستمتلك محفظة من الحسابات عبر منطقة MENA، تدفع مبيعات الإعلانات، وتوسع علاقات المعلنين، وتفتح عائدات من الحسابات الطويلة والتجارية المحلية.</p><br><p>هذا دور عملي عالي الأثر لشخص لديه خلفية في تقنيات الإعلانات أو الإعلان الرقمي، يزدهر في تحقيق أهداف طموحة وبناء شراكات قوية مع المعلنين.<br> <br> &nbsp;</p><br><p><strong>ما هي مسؤولياتك؟</strong></p><br><ul><li><p><em>امتلاك محفظة من الحسابات، بما في ذلك المعلنين الرئيسيين والعملاء من الطرف الطويل عبر الأسواق المحلية.</em></p><br></li><li><p><em>تحقيق نمو المبيعات من خلال تحديد الفرص، عرض حلول وسائل التجزئة الإعلانية، وتنفيذ الحملات من البداية للنهاية.</em></p><br></li><li><p><em>بناء علاقات قوية مع علامات السلع الاستهلاكية المكررة، والوكالات، والموردين، باعتبارك مستشارك المعتمد في وسائل التجزئة.</em></p><br></li><li><p><em>التعاون مع فريق النمو الأوسع، والمنتج، والتسويق لتطوير حلول إعلانية مخصّصة وتحقيق أقصى عائد استثمار للعملاء.</em></p><br></li><li><p><em>تنفيذ استراتيجيات Go To Market على مستوى الحساب، بما في ذلك تخطيط الحملات، الاستهداف، والتقارير.</em></p><br></li><li><p><em>تتبع أداء الحسابات، وتحديد فرص النمو، وتقديم رؤى قابلة للتنفيذ لأصحاب المصلحة الداخليين.</em></p><br></li><li><p><em>الاستفادة من معرفة تقنيات الإعلانات لتوصية الحلول الصحيحة وتحسين الحملات لتحقيق النطاق والأداء.</em></p><br></li><li><p><em>دعم المبادرات الاستراتيجية مثل الحملات الموسمية، وعمليات نمو الفئة، والتوسع الإقليمي.</em><br> <br> &nbsp;</p><br></li></ul><p><strong>ماذا طلبنا؟</strong></p><br><ul><li><p><em>4–6 سنوات من الخبرة في تقنيات الإعلانات، وسائل التجزئة الإعلانية، الإعلان الرقمي، أو إدارة الحسابات.</em></p><br></li><li><p><em>سجل حافل في تحقيق أهداف المبيعات في الإعلان الرقمي أو وسائل التجزئة.</em></p><br></li><li><p><em>فهم قوي لمنصات تقنيات الإعلانات أو أنظمة وسائل التجزئة.</em></p><br></li><li><p><em>مهارات بناء العلاقات والتواصل المميزة، مع القدرة على التأثير في العملاء والفرق الداخلية.</em></p><br></li><li><p><em>منظم للغاية وقادر على إدارة عدة حسابات وحملات في آن واحد.</em></p><br></li><li><p><em>موقف قائم على البيانات مع خبرة في استخدام التحليلات لتحسين الحملات وتحديد فرص النمو.</em></p><br></li><li><p><em>إبداعي، حله للمشكلات، ومريح في العمل في بيئة سريعة النمو وتزايد الأداء.</em></p><br></li><li><p><em>باديء ذاتي يمكنه تحديد الفرص بشكل استباقي وتحمل مسؤولية نمو الحساب.</em></p><br></li></ul><br><br> </div>

???? Welcome to Your Next Adventure!<br><br>We are looking for a relationship-focused Retail Media Specialist to drive annual revenue from FMCG/CPG brands. This full-cycle role involves negotiating Joint Business Plans (JBPs) during the planning period (Q4–Q1) and active selling throughout the rest of the year—including ongoing campaigns, seasonal activations, and prospecting for new partners. As part of the Corporate Partnerships team, you will act as a cross-vertical commercial bridge, serving as the primary point of contact for decision-makers and maximizing revenue.<br><br>???? What You’ll Get Your Hands On<br><br>Annual Planning & JBPs (Q4–Q1 Peak)<br><br>Structure, negotiate, and close annual Joint Business Plans (JBPs) and framework agreements with top-tier global and regional FMCG/CPG brands Position Snow's full retail media product suite as a core value driver within JBP conversations, articulating ROI through ROAS, incremental sales lift, audience targeting, and first-party data capabilities. Secure annual committed spend and preferred-partner status across our retail media, promotional, and co-marketing inventory.<br><br>Year-Round Revenue Generation<br><br>Proactively sell retail media campaigns, sponsored placements, and co-funded activations to FMCG brands and their media agencies on an ongoing basis — not only during JBP cycles. Identify and close incremental revenue opportunities tied to seasonal peaks (e.g Ramadan, Back to School, National Day, Summer, Black Friday/White Friday), new product launches, brand relaunches, and category events. Identify, prospect, and onboard non-investing brand partners to scale retail media network beyond existing accounts. Upsell and cross-sell existing partners into higher-value packages, new media formats, and multi-channel activations as retail media products evolve. Manage mid-year budget reviews with partners, using campaign performance data to unlock incremental spend and renew commitments.<br><br>Relationship Management & Commercial Development<br><br>Cultivate and nurture high-level commercial partnerships with key FMCG brand principals, regional distributors, and media agencies throughout Qatar, the UAE, and KSA. Conduct regular Quarterly Business Reviews (QBRs) with key partners — presenting performance results, market insights, and next-quarter opportunities to keep commercial momentum between JBP windows. Develop and present compelling pitch decks, commercial proposals, and campaign packages tailored to each brand's marketing objectives, seasonal calendar, and trade budget structure.<br><br>Internal Collaboration & Intelligence<br><br>Collaborate internally — while maintaining strategic neutrality — with Grocery, Snowmart, and Retail Media Ops teams to gather performance data, inventory availability, and campaign capabilities that strengthen commercial proposals. Track and manage the full commercial pipeline: from prospecting and proposal through negotiation, contract execution, campaign delivery, and post-campaign performance review. Monitor competitive retail media and trade marketing developments across the GCC e-commerce landscape to refine Snow's value proposition and pricing. Provide regular commercial intelligence, revenue forecasting, and pipeline reporting to the Director of Retail Media, CCO, and CEO.<br><br>Regional Presence<br><br>Availability to travel regionally to Dubai and KSA for negotiations and relationship-building.<br><br>????‍♂️ The Magic You Bring<br><br>Professional background: 3+ years in FMCG Key Account Management, E-Commerce Partnerships, or Retail Media Sales within the GCC, supported by a relevant Bachelor's degree. Commercial Expertise: Proven track record in revenue generation through JBPs and campaign sales, with a deep understanding of trade marketing budgets and retail media ROI metrics. Communication Skills: Bilingual proficiency in Arabic and English with executive-level presentation and storytelling abilities.<br><br>✨ Bonus Points If You Have<br><br>Direct experience at a Q-commerce, e-grocery, or online marketplace platform. Experience managing or selling retail media products (sponsored products, display, co-funded campaigns, CPC/CPM models). Existing professional relationships with FMCG commercial or trade marketing decision-makers in Qatar and/or UAE. Experience managing a sales pipeline with a mix of annual contracts and shorter-cycle campaign deals simultaneously.<br><br>Inside Snoonu’s Universe<br><br>Snoonu is Qatar’s homegrown Super App, reinventing daily life with blazing-fast delivery, shopping, and more – all in one place. Powered by tech, driven by a global team, and obsessed with making life easier.<br><br>The Dream We’re Chasing<br><br>To be the first Qatari Ultra App that propels the region and its community through innovation and technology. We have global ambitions where what we do surpasses norms and limitations every time.<br><br>The Quest We’re On<br><br>To radically transform how people live by leveraging technology to connect them with endless possibilities.<br><br>Our Everyday Superpowers<br><br> Be Customer Obsessed: “Focus on the customer and all else will follow.”<br><br> Act with Integrity: “We are honest, ethical, and trustworthy in everything we do.”<br><br> Be Curious and Creative: “We constantly innovate and create solutions to bring a lasting positive impact.”<br><br>Lead by Example and Take Ownership: “Be the change you want to see and take ownership.”<br><br> Work Smart and Deliver Results: “You can do more by doing less, better, and faster.”<br><br> It's All About People: “Be a team player; together we are stronger.”<br><br>Real Builders Ship: “We turn ideas into products, plans into action, and challenges into opportunities.”<br><br>Perks & Worklife Magic At Snoonu<br><br>???? Global Vibes – Collaborate with a worldwide crew.<br><br>???? Brain Boosters – Learning budgets, access to courses, and tools for your growth.<br><br>???? Builder’s Playground – Own your tasks, own your path! We’re big on autonomy.<br><br>????️ Flexible Time Off – We take recharging seriously. Generous leave and wellness policies.<br><br>????️ Agile Everything – Scrum isn’t a buzzword here. It’s how we roll, from product to ops.<br><br>Great Place to Work® Certified<br><br>We’re certified as a Great Place to Work®, a recognition that celebrates a culture we’ve built together where people come first, always. This certification reflects our commitment to creating a workplace where everyone feels valued, empowered, and inspired to do their best work.<br><br>Certified for Excellence<br><br>Our ISO 9001:2015 and ISO 45001:2018 certifications demonstrate our dedication to world-class quality and a safe, supportive workplace, reinforcing our promise to deliver exceptional service while prioritizing the wellbeing of our people.<br><br>Beyond the Code: Giving Back Matters<br><br>We don’t just build apps. We’re committed to doing business sustainably and giving back to the community that fuels us. From eco-conscious practices to CSR projects, we’re always finding ways to do better—and we invite you to be a part of that mission.<br><br>Diversity Isn’t Just a Buzzword<br><br>At Snoonu, fairness and inclusion are the foundation of everything we do. We’re proud to be an equal opportunity workplace that welcomes people from every walk of life. Be bold. Be you. Thrive here.<br><br>Let’s Build the Future Together<br><br>Apply now to join a team where your contributions spark a change and your voice is heard. Let’s make some magic together.<br><br>Stay in the loop—connect with us on Linked In!

تعد طلبات جزءاً من مجموعة دليفري هيرو (Delivery Hero Group)، وهي منصة التوصيل المحلية الرائدة عالمياً، ومهمتنا هي تقديم تجربة مذهلة تتسم بالسرعة والسهولة وتصل إلى باب منزلك. نحن نعمل في حوالي 65 دولة حول العالم، ويقع مقرنا الرئيسي في برلين بألمانيا. دليفري هيرو مدرجة في بورصة فرانكفورت منذ عام 2017 وهي جزء من مؤشر MDAX للأسهم.<br><br>وصف الوظيفة<br><br>بصفتك مديراً لنمو إعلانات التجزئة، ستكون جزءاً من فريق نمو إعلانات التجزئة وترفع تقاريرك إلى مدير أول نمو إعلانات التجزئة. ستتولى مسؤولية محفظة من الحسابات عبر منطقة الشرق الأوسط وشمال أفريقيا، حيث ستعمل على دفع مبيعات الإعلانات، وتوسيع علاقات المعلنين، وتحقيق إيرادات من حسابات الأسواق المحلية والحسابات طويلة المدى.<br><br>هذا دور عملي ومؤثر للغاية لشخص يتمتع بخلفية في تكنولوجيا الإعلانات أو الإعلان الرقمي، ويزدهر في تحقيق الأهداف الطموحة وبناء شراكات قوية مع المعلنين.<br><br>ما هي مهامك؟<br><br>إدارة محفظة من الحسابات، تشمل كبار المعلنين والعملاء في الأسواق المحلية. دفع نمو المبيعات من خلال تحديد الفرص، وتقديم حلول إعلانات التجزئة، وتنفيذ الحملات من البداية إلى النهاية. بناء علاقات قوية مع العلامات التجارية للسلع الاستهلاكية المعبأة، والوكالات، والموردين، والعمل كمستشار موثوق لهم في مجال إعلانات التجزئة. التعاون مع فريق النمو الأوسع، وفريق المنتج، وفريق التسويق لتطوير حلول إعلانية مخصصة وتعظيم العائد على الاستثمار للعملاء. تنفيذ استراتيجيات الوصول إلى السوق على مستوى الحساب، بما في ذلك تخطيط الحملات، والاستهداف، وإعداد التقارير. تتبع أداء الحساب، وتحديد فرص النمو، وتقديم رؤى قابلة للتنفيذ لأصحاب المصلحة الداخليين. الاستفادة من المعرفة بتكنولوجيا الإعلانات للتوصية بالحلول المناسبة وتحسين الحملات من حيث الحجم والأداء. دعم المبادرات الاستراتيجية مثل الحملات الموسمية، وخطط نمو الفئات، والتوسع الإقليمي.<br><br>ما هي مؤهلاتك؟<br><br>خبرة تتراوح بين 4-6 سنوات في تكنولوجيا الإعلانات، أو إعلانات التجزئة، أو الإعلان الرقمي، أو إدارة الحسابات. سجل حافل في تحقيق أو تجاوز أهداف المبيعات في الإعلان الرقمي أو إعلانات التجزئة. فهم قوي لمنصات تكنولوجيا الإعلانات أو أنظمة إعلانات التجزئة. مهارات ممتازة في بناء العلاقات والتواصل، مع القدرة على التأثير في العملاء والفرق الداخلية. تنظيم عالٍ وقدرة على إدارة حسابات وحملات متعددة في وقت واحد. عقلية تعتمد على البيانات مع خبرة في استخدام التحليلات لتحسين الحملات وتحديد فرص النمو. الإبداع، والتركيز على الحلول، والارتياح للعمل في بيئة سريعة الخطى وعالية النمو. مبادر قادر على تحديد الفرص بشكل استباقي وتولي مسؤولية نمو الحساب.

<h2 class="h5">وصف الوظيفة</h2> <div class="t-break" data-jb-field="description"> ملخص العمل <br> <p>سيكون القائم على المنصب مسؤولاً عن إدارة عملية تحصيل محفظة العملاء المتعثرين في قطاع التجزئة لدى بنك قطر الوطني (كما تم تعيينه من قبل نائب الرئيس الأول، تعافي التجزئة والتحكم) بهدف خفض التعرض الائتماني المتأخر للبنك بشكل تدريجي (محفظة NPL التجزئة) من خلال تطبيق استراتيجيات لإعادة هيكلة القروض والتحصيل ومبيع أصول الرهن بالتنسيق والتفاعل مع العملاء المتعثرين، والكوادر القانونية، ودوائر الشرطة الحكومية، ووكالات التحصيل الخارجي التي يعينها البنك، إن وجدت. ستشمل محفظة NPL التجزئة القروض والآجال الشخصية المتأخرة والمدفوعات المتأخرة للبطاقات الائتمانية والقروض الرهن العقاري والتمويلات المعيبة. ستقدم وحدة التحصيل بقسم التجزئة تقاريرها بطريقة غير مباشرة إلى نائب الرئيس الأول، تعافي التجزئة. سيكون القائم على المنصب على تواصل وثيق مع، ومراقبة، وإشراف، وحدة تحصيل التجزئة لمراقبة وتحكم عمليات حسابات NPL التجزئة والالتزام باستراتيجية الحساب التصحيحية المتفق عليها وإجراءات البنك وإرشاداته وتحقيق أهداف البنك.</p><br> <br> <br><br> المسؤوليات الرئيسية <br> <p>أ. المساهمون والماليات: - - - - - - - - - -</p><br><p>تنفيذ استراتيجية تحصيل القروض المتأخرة التي وافق عليها البنك لتقليل الخسارة على البنك. الاستمرار</p><br><p>في تحديد طرق لتحسين عملية التحصيل والتوصية بتنفيذها.</p><br><p>إجراء تحليل دقيق لمحفظة NPL التجزئة للبنك لتحديد الاتجاهات حسب الشرائح وصياغة</p><br><p>استراتيجيات لضمان خفض تدريجي في الأرقام المستحقة / المتأخرة حسب الشريحة، خاصة للأكياس العالية الاحتمالات لحدوث defaults.</p><br><p>بالشرائح المنخفضة (التي تمثل قسطًا واحدًا أو اثنين متأخرة)، التأكد من اتخاذ خطوات استباقية فوراً لجمع المبالغ المتأخرة بشكل دوري لمنع انتقال المبالغ المستحقة إلى شرائح التعثر ذات المستوى الأعلى.</p><br><p>المشاركة بشكل استباقي في إعداد / تحديث السياسات والإجراءات لتلبية احتياجات سوق العمل الحالية لحماية مصالح البنك وضمان سريان عملية التدفق الفعالة لقسم الوظائف.</p><br><p>صياغة استراتيجية تصحيح / تحصيل قابلة للتنفيذ لإعادة هيكلة / إعادة جدولة حسابات العملاء المتعثرين، والحصول على موافقات الجهات المختصة، والتفاوض والاتفاق مع العميل وتنفيذ الاستراتيجية المعتمدة والخطة العمل بشكل فعال، مع الاستمرار في تحديد طرق لتحسين عملية التحصيل، وضمان متابعة ومراقبة وثيقة للامتثال للاتفاقيات لتقليل الخسائر للبنك.</p><br><p>تنفيذ عملية التحصيل والاحتياطي وفق سياسات وإجراءات QNB وبما يتوافق مع متطلبات QCB والمتطلبات التنظيمية الأخرى، ومعايير المحاسبة والمعايير الصناعة.</p><br><p>العمل عن كثب والتنسيق مع جميع وحدات أعمال QNB المعنية، ومسؤولي مخاطر الائتمان، وموظفي القسم، ووكلاء التحصيل من الأطراف الثالثة الذين يعملهم البنك للسعي باقتدار نحو أهداف التحصيل.</p><br><p>الالتزام وتحقيق مستويات Benchmark لفريق التحكم في التحصيل ومؤشرات الأداء الرئيسية كما يذكرها EVP، المجموعة المعالجات.</p><br><p>تنفيذ مؤشرات الأداء وأفضل الممارسات للتحكم في التجزئة والتعافي.</p><br><p>تعزيز الوعي بالتكاليف والكفاءة وتحسين الإنتاجية، لتقليل التكلفة وتجنب الهدر وتحسين الاستفادة للبنك.</p><br><p>التصرف ضمن حدود السلطات الممنوحة للقائم بالمنصب.</p><br><p>ب. العميل (داخليًا وخارجيًا): - - - - -</p><br><p>ضمان معرفة وفهم كامل لجميع قضايا NPL التجزئة المعينة بما في ذلك مراجعة جميع معلومات العميل والصفقة بما في ذلك إجراء زيارات ميدانية وتقييم الوضع الفعلي لأعمال العميل.</p><br><p>إبقاء روابط وثيقة مع معلومات السوق للرد بسرعة على قضايا المخاطر المحددة والمشاكل المحتملة.</p><br><p>بناء والحفاظ على علاقة عمل قوية وفعالة مع قسم التجزئة المصرفية – وحدة التحصيل، وقسم الشؤون القانونية في QNB وجميع الوحدات المعنية الأخرى في QNB، وكذلك المحترفين من الطرف الثالث والمستشارين القانونيين والمسؤولين الحكوميين، إلخ، لتحقيق أهداف القسم.</p><br><p>متابعة أنشطة العميل ومكان وجوده من خلال التواصل مع جهة العمل الخاصة بالعميل وشركات الاتصالات ومراكز معلومات وزارة الداخلية ومكاتب الائتمان وغيرها.</p><br><p>تنفيذ السياسات / الإجراءات والعمليات المتعلقة بوظيفة تحصيل NPL التجزئة، والتي تتضمن إرشادات لبدء التواصل مع العملاء المتهورين (تذكيرات شفهية / مكتوبة).</p><br><p>ج. داخلي (العمليات، المنتجات، التنظيم): - - - - - - - - - - - - -</p><br><p>العمل بشكل وثيق واستباقي مع وحدات الأعمال المصرفية التجزئة وإدارة الأصول والثروة، و/أو مسؤولي الإنذار المبكر لتحديد العملاء غير القادرين على الأداء.</p><br><p>جمع معلومات محدثة عن عميل NPL التجزئة المحدد عن طريق إجراء فحص شامل مع جميع المصادر المحتملة بما في ذلك QCB بورتور الائتمان وبنوك آخرين وموردين ومشترين ومنافسين وأطراف ثالثة أخرى [دون ازدواجية الفحص الذي أجراه مسؤولو الإنذار المبكر].</p><br><p>تعيين/نقل حسابات التجزئة المتأخرة إلى وحدة التحصيل التجزئة للإدارة اليومية بمجرد اعتبار ذلك ضروريًا ومناسبًا (بعد جهود مكثفة من منطقة العمل لتسوية الأرصدة المتأخرة التي فشلت).</p><br><p>الإشراف والمراقبة والتحكم في أنشطة وحدة التحصيل التجزئة لضمان التنفيذ الصحيح لاستراتيجيات التحصيل المتفق عليها بشكل فعال وكفء، وللالتزام بسياسات وإجراءات البنك، بالإضافة إلى تنظيمات QCB. إبلاغ كوادر البنك القانونية عن مثل هذه الحسابات NPL في أقرب وقت ممكن وتزويدهم بالوثائق القانونية ذات الصلة بالتعرض حتى يمكن اتخاذ إجراء في الوقت المناسب لتجنب تدهور الحساب ومبادرة الاسترداد المبكر للمبالغ المتأخرة بما في ذلك إجراء مراجعة مستندات قانونية شاملة وتأكيد الضمان/التأمين وإعادة التقييم لتقييم الوضع القانوني والضماني الحالي للبنك لصياغة الاستراتيجية التصحيحية المناسبة للحساب مع مراعاة مصالح البنك وبهدف دعم بناء قضية البنك ضد العميل.</p><br><p>تحديد قيمّ الضمان المحدثة [عقارات وأصول منقولة] وقيم الأوراق المالية المرهونة - إن وجدت، وتقييم سيولة هذا الضمان لتقدير إمكانات الاسترداد عند سيناريو التصفية.</p><br><p>التوصية، بالتنسيق مع وحدة التحصيل التجزئة، بتوظيف جامعي ديون خارجيين أكفاء وذوي سمعة لتعزيز جهود التحصيل التجزئة، خاصة للمتعثرين في الخارج، وإدارة العلاقة من خلال التأكد من وجود عملية يتم بموجبها تزويدهم بمعلومات حالية ومحدّثة عن التعثر/الهروب لمساعدتهم في تتبع هؤلاء العملاء؛ وتقديم تقارير حالة التحصيل بشكل دوري للقسم لإطلاعنا على التطورات. المسؤول عن التوصية بإنهاء العمل مع جامعي الديون منخفضي الأداء.</p><br><p>المبادرة والتوصية، بالتنسيق مع وحدة التحصيل التجزئة ومشاور QNB القانونية، بالتعاقد مع مستشار قانوني خارجي مؤهل، و/أو إحالة / رفع قضية ضد العميل المخالف لدى السلطات الشرطية إذا دعت الحاجة وتوافقت، خاصة للمتعثرين الكبار والمعقدين والعملاء غير المتعاونين. </p><br><p>إعداد وإصدار إشعارات قانونية عند رفع القضايا، وإلغاء مثل هذه الإشعارات عند التسوية. </p><br><p>متابعة عن كثب ومراقبة القضايا NPL المحالة إلى وكلاء التحصيل الخارجيين، والمحامين الخارجيين، والسلطات الشرطية و/أو المحاكم المدنية/الجنائية وتقديم تقارير دورية تُلخّص الوضع والتطورات. </p><br><p>التنفيذ في الوقت المناسب للإجراءات المطلوبة المتعلقة بإدارة، ومراقبة، وتقييم، وصيانة وتقديم تقارير لمحفظة NPL التجزئة بما فيها من: صياغة / تفاوض والاتفاق النهائي لإعادة الهيكلة / إعادة جدولة الاتفاق مع العملاء – بما في ذلك تمديد الآجال؛ عكس الفوائد المتراكمة؛ تخفيض أسعار الفائدة؛ إعادة تفعيل بطاقات الائتمان؛ تحديد وتسجيل مخصصات خسائر القروض، وفق السلطات المفوضة من قبل لجنة الائتمان المجموعة، وسياسات البنك وإجراءاته ومتطلبات QCB.</p><br><p>إدارة عملية المزادات العامة وضمان الاستقلالية في اختيار وتقييم العروض.</p><br><p>تسجيل مخصصات خسائر القروض بشكل صحيح وفق موافقات الإدارة العليا ومتطلبات QCB.</p><br><p>بتنسيق مع وحدة التحصيل التجزئة، ضمان إعداد معلومات دقيقة وفي الوقت المناسب تتعلق بمحفظة الحسابات التجزئة المتعثرة للبنك وتقارير التحصيل والسيطرة لـ SVP، تعافي التجزئة، ورئيس المخاطر المجموعة والإدارة العليا المعنية، والمراجعين الداخليين والخارجيين، ووحدات الامتثال والشؤون القانونية في المجموعة، والجهات التنظيمية المعنية، عند الاقتضاء. ستشمل التقارير على سبيل المثال لا الحصر: تقرير المخاطر اليومي، تقرير استرداد المركبات، تقرير قضايا الشرطة (القضايا التي رفعت أو تم رفعها)، وتقرير المستحقين من الموظفين السابقين. تقرير العملاء المتوفين، تقرير الفوائد المسترجعة المعاد جدولة لعقود القروض، وتقارير أخرى ذات صلة.</p><br><p>هـ. المسؤوليات القانونية والتنظيمية وأطر المخاطر: - الامتثال لجميع المتطلبات القانونية والتنظيمية والالتزامية الداخلية المعمول بها بما في ذلك، على سبيل المثال لا الحصر، سياسات وإجراءات الامتثال الجماعية (مكافحة غسل الأموال وتمويل الإرهاب، سياسات العقوبات، حماية البيانات، سياسة مكافحة الاحتيال، سياسة الإبلاغ عن المخالفات، تضارب المصالح وسياسة المعاملات الداخلية). - فهم وأداء دورك بفعالية وفق مبدأ الثلاث خطوط دفاع لتحديد القياس، والرصد، وإدارة المخاطر والإبلاغ عنها. - ضمان نتائج جيدة منهجية للعملاء وفق سياسة مخاطر السلوك. - دعم إطار عمل إدارة المخاطر التشغيلية (RCSA)، ومؤشرات المخاطر الأساسية، والإبلاغ عن الحوادث والتعويض، حسب اللازم، وفق متطلبات إدارة المخاطر التشغيلية. - الحفاظ على معرفة كافية لضمان الأهلية الكاملة لأداء الدور. - استكمال جميع التدريبات الإجبارية التي يوفرها البنك، وتحقيق والحفاظ على مستويات الكفاءة المطلوبة. - حضور الندوات الإلزامية (داخليًا وخارجيًا) كما يوجه البنك.</p><br><p>و. أخرى: - ضمان مستويات عالية من حماية البيانات والخصوصية للحفاظ على المعلومات الحساسة تجارياً. - الحفاظ على أقصى درجات السرية فيما يتعلق بمعلومات العملاء والبيانات الداخلية للبنك التي يتم الحصول عليها خلال العمل وتقديم هذه المعلومات حسب الحاجة فقط إلى كبار الإدارة في QNB، والوظائف الرقابية والامتثال، والجهات التنظيمية المختصة. - الحفاظ على معايير مهنية عالية لدعم سمعة QNB وتعزيز موقعها القيادي في السوق. - جميع الواجبات/الأنشطة الإضافية المتعلقة بـ QNB التي قد تطلبها الإدارة بين الحين والآخر. - مسؤول عن تحديد العملاء المخالفين، والعمل عن كثب مع قسم التجزئة المصرفية – وحدة التحصيل، لاحتواء وتقليل والتقليل من مستويات تعرض محفظة NPL للبنك وتخفيف مخاطر مزيد من التدهور، من خلال صياغة وتنفيذ اتفاق إعادة جدولة قابل للتنفيذ؛ واتصالات متكررة مع العملاء لمراقبة أنشطتهم ووضعهم؛ واتخاذ الإجراءات القانونية وفرض الضمان إذا لزم الأمر، وملاحقة سداد الدين المتأخر باستخدام جميع الوسائل القانونية ومقبول في السوق وفق سياسات وإجراءات QNB وبما يتوافق مع لوائح QCB. </p><br> <br> <br><br> التعليم والخبرة المطلوبة <br> <p>--درجة البكالوريوس ويفضل تخصص رئيسي في التسويق أو المصرفية أو التمويل أو المحاسبة أو الاقتصاد أو إدارة الأعمال أو تكنولوجيا المعلومات (مجال دراسي ذي صلة). - خبرة لا تقل عن 8 سنوات ذات صلة، ويفضل ضمن بنك دولي عالي التقييم [أو شركة خدمات مالية استشارية مماثلة] في وظيفة مخاطر التجزئة أو المخاطر المؤسسية.</p><br> <br> <br>