Economic Researcher Jobs in Qatar

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Job Summary <br> <p>The Vice President – Data Analysis will lead the execution of QNB’s enterprise-wide analytics strategy, ensuring insights-driven decision-making across all business units. This role involves overseeing the development of executive dashboards, KPI frameworks, performance analysis, and business intelligence solutions that drive measurable business value. The incumbent will manage a team of analysts and collaborate across functions to improve profitability, enhance operational efficiency, and ensure compliance with internal and regulatory standards.</p><br><p>It is ideal that the candidate should have: Advanced SQL and data modeling, Python, DWH / Lakehouse Design, ETL / ELT Pipeline Development, BI and reporting platforms, Data quality and reconciliation, Banking data domain knowledge, Workflow orchestration and automation, Databricks or similar, Data governance.</p><br> <br> <br><br> Main Responsibilities <br> <p>A. Shareholder &amp; Financial:</p><br><p>- Lead and manage a team of analysts, BI developers, and MIS experts with clear performance objectives and </p><br><p>KPIs.</p><br><p>- Define team OKRs aligned with strategic initiatives across business segments and digital transformation</p><br><p>- Define enterprise-level KPIs, measurement standards, and performance dashboards aligned with QNB’s strategic </p><br><p>and financial objectives.</p><br><p>- Lead data-driven financial modelling, profitability analysis, and scenario planning to support C-level decisions.</p><br><p>- Optimize business outcomes by integrating advanced analytics into key revenue-generating areas such as </p><br><p>lending, deposits, and fee income.</p><br><p>- Align analytics investments with organizational priorities and deliver maximum ROI from BI platforms and tools.</p><br><p>- Design and deliver cost-efficiency analysis for operational processes using benchmarking and variance analysis.</p><br><p>- Contribute to strategic initiatives such as Net Promoter Score (NPS) growth, client retention, and cross-sell </p><br><p>analytics.</p><br><p>- Monitor and analyse the impact of pricing, interest rate, and commission changes using dynamic models.</p><br><p>- Evaluate and mitigate financial risk exposure through data-supported key risk indicators (KRIs) and early-warning </p><br><p>models.</p><br><p>- Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and </p><br><p>monitor exercise of the same.</p><br><p>- Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial </p><br><p>performance.</p><br><p>B. Customer (Internal &amp; External):</p><br><p>- Serve as a senior advisor to business units by converting data into insights to drive customer-centric strategy.</p><br><p>- Collaborate with stakeholders across retail, corporate, international, and digital banking to deliver customized </p><br><p>performance reports.</p><br><p>- Lead strategic engagements with marketing, CRM, and product teams to optimize campaign effectiveness and </p><br><p>client segmentation.</p><br><p>- Oversee analytics initiatives that drive onboarding, retention, upselling, and loyalty programs.</p><br><p>- Support branch/channel performance tracking and digital adoption strategies through channel-level analytics.</p><br><p>- Ensure availability of real-time dashboards and alerts for business users through self-service BI environments.</p><br><p>- Facilitate quarterly business reviews with senior executives using insight-backed reporting packs.</p><br><p>- Build external partnerships with vendors and service providers for benchmark studies and advanced analytics </p><br><p>solutions.</p><br><p>- To assist customers in all their queries on Bank’s product and seek solution to their requests.</p><br><p>- Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve </p><br><p>improvements in turn-around time.</p><br><p>- Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives.</p><br><p>- Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.</p><br><p>C. Internal (Processes, Products, Regulatory):</p><br><p>- Own and govern the enterprise data analytics lifecycle from requirement gathering to insight delivery and </p><br><p>refinement.</p><br><p>- Design and deploy standardized business metric definitions and metadata repositories to support consistency </p><br><p>across departments.</p><br><p>- Lead cross-functional working groups to address analytics use cases across finance, risk, treasury, operations, </p><br><p>and compliance.</p><br><p>- Implement analytics frameworks to monitor and improve operational efficiency and cost optimization projects.</p><br><p>- Ensure regulatory-compliant data architecture and reporting workflows as per QCB, GDPR, and NDCP.</p><br><p>- Review, validate, and approve critical business models (profitability, risk scoring, churn) before deployment.</p><br><p>- Work closely with the Data Governance and Quality teams to ensure audit readiness of all analytical models and </p><br><p>outputs.</p><br><p>- Evaluate and implement workflow tools that integrate analytics seamlessly with business systems (CRM, core </p><br><p>banking, etc.).</p><br><p>- Continuous Improvement: [add if they have subordinates]</p><br><p>Set examples by leading improvement initiatives through cross-functional teams ensuring successes.</p><br><p>Identify and encourage people to adopt practices better than the industry standard. </p><br><p>Continuously encourage and recognise the importance of thinking out-of-the-box within the team. </p><br><p>Encourage, solicit and reward innovative ideas even in day-to-day issues.</p><br><p>D. Learning &amp; Knowledge:</p><br><p>- Build a learning roadmap for the analytics team, covering technical upskilling and business storytelling techniques.</p><br><p>- Champion a culture of analytical curiosity and insight-driven decision-making across business users.</p><br><p>- Establish a knowledge-sharing environment through analytics playbooks, case studies, and success metrics.</p><br><p>- Initiate cross-training programs for analysts to support multi-domain exposure and professional development.</p><br><p>- Stay current with evolving analytics trends, AI/ML tools, and cloud analytics capabilities in financial services.</p><br><p>- Mentor senior analysts on translating business problems into analytical hypotheses and data solutions.</p><br><p>- Facilitate monthly innovation forums to showcase high-impact analytics use cases across QNB.</p><br><p>- Drive a data literacy program across business units to build awareness and adoption of BI solutions.</p><br><p>- Hold meetings with staff and assess their performance and your teams overall performance on a regular basis.</p><br><p>- Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</p><br><p>- Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and </p><br><p>prepare them to assume greater responsibilities.</p><br><p>E. Legal, Regulatory, and Risk Framework Responsibilities:</p><br><p>- Ensure full adherence to QCB, NDCP, and international data protection and analytics governance requirements.</p><br><p>- Participate in internal and external audits as the analytics lead and provide all required documentation and </p><br><p>evidence.</p><br><p>- Implement review workflows for business reports involving sensitive KPIs or confidential customer information.</p><br><p>- Define and maintain audit trails, access controls, and documentation standards for all critical analytical assets.</p><br><p>- Support Regulatory and Risk teams with analytics for RCSA, KRI, internal capital adequacy, and Basel reporting.</p><br><p>- Oversee proper usage and lifecycle of business models approved for executive decision-making.</p><br><p>- Drive alignment of all analytics programs with the Bank’s Conduct Risk and Data Protection policies.</p><br><p>- Coordinate with Compliance and Internal Audit teams to investigate data breaches or unauthorized analytical </p><br><p>access.</p><br><p>- Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</p><br><p>- Attend mandatory (internal and external) seminars as instructed by the Bank.</p><br><p>F. Other:</p><br><p>- Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.</p><br><p>- Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course </p><br><p>of business and provide such information on a need-to-know basis only to Senior Management of QNB, Audit and </p><br><p>Compliance functions, and relevant Regulators.</p><br><p>- Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.</p><br><p>- All other ad hoc duties/activities related to QNB that management might request from time to time.</p><br><p>- Build succession planning and capability mapping frameworks within the analytics function.</p><br><p>- Foster an inclusive, high-performance culture that encourages innovation and accountability.</p><br><p>- Oversee recruitment, onboarding, and development of top-tier analytical talent.</p><br><p>- Develop and implement governance policies for dashboard publishing, metric ownership, and release </p><br><p>management.</p><br><p>- Represent analytics in the bank’s technology or governance steering committees.</p><br><p>- Conduct regular performance reviews, identify skills gaps, and implement targeted development plans.</p><br> <br> <br><br> Education and Experience Requirements <br> <p>- University degree with specialization in Business Analytics, Data Science, Economics, Engineering, or related </p><br><p>fields.</p><br><p>- Master’s degree or MBA is highly preferred.</p><br><p>- Minimum 12 years’ experience in data analytics, with at least 8 years in senior leadership roles within the banking </p><br><p>or financial services sector.</p><br><p>- Track record of delivering enterprise-wide BI strategies and measurable business outcomes.</p><br> <br> <br> </div>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p><span><strong>Building on our past. Ready for the future</strong></span></p><br><p><span>Worley is a global professional services company of energy, chemicals and resources experts. We partner with customers to deliver projects and create value over the life of their assets. We’re bridging two worlds, moving towards more sustainable energy sources, while helping to provide the energy, chemicals and resources needed now.</span></p><br><p><span><strong>Job responsibilities:</strong></span></p><br><ul><li><p><span>Provide technical leadership in all facets of project delivery including innovations in tendering, estimating and planning plus involvement in industry research and standards whilst embracing an impressive suite of company systems in achieving cost effective outcomes.</span></p><br></li><li><p><span>To ensure all work carried out conforms with agreed codes and practices, meets all requirements of the contract specifications and ensure all work is carried out within agreed schedule &amp; budget following Company procedures.</span></p><br></li><li><p><span><span>Initiate and oversee specific pipeline design tasks performed by engineers related to </span><span>onshore pipeline</span><span> systems. Able to plan the work, delegate appropriately, drive the team and have an effective coordination with distributed teams (GID and other support offices) for optimized execution.</span></span></p><br></li><li><p><span><span>Able to guide team on use of standards to achieve safe and sustainable design with a focus on value creation. Able to set KPIs for the team members and monitor the same with an empathy and encouragement to achieve or exceed the set KPIs.</span></span></p><br></li></ul><p><span><span><strong>1. Technical Authority &amp; Subject Matter Expertise</strong></span></span></p><br><ul><li><span><span>Acts as discipline technical authority for onshore pipeline engineering, approving key technical deliverables and design philosophies.</span></span></li><li><span><span>Demonstrates expert-level knowledge in pipeline routing, sizing, hydraulic analysis, stress and flexibility analysis, wall thickness design, stability and constructability.</span></span></li><li><span><span>Applies sound engineering judgement to resolve complex technical challenges independently.</span></span></li></ul><p><span><span><strong>2. Engineering Leadership &amp; Mentoring</strong></span></span></p><br><ul><li><span><span>Provides technical leadership and direction to engineers and designers across multiple execution centres (Home Office, GID and satellite offices).</span></span></li><li><span><span>Coaches, mentors and develops junior and senior engineers, setting clear performance expectations and supporting competency development.</span></span></li><li><span><span>Promotes a strong engineering culture focused on quality, safety, and continuous improvement.</span></span></li></ul><p><span><span><strong>3. Codes, Standards &amp; Regulatory Compliance</strong></span></span></p><br><ul><li><span><span>Expert knowledge of international codes and standards applicable to onshore pipelines (ASME, API, ISO, ASTM, etc.).</span></span></li><li><span><span>Strong experience applying client-specific standards and specifications, particularly Middle East operators (e.g. ADNOC Onshore, AG, QatarEnergy, QELNG).</span></span></li><li><span><span>Ensures all engineering deliverables comply with contractual, statutory and regulatory requirements.</span></span></li></ul><p><span><span><strong>4. Project Execution &amp; Delivery</strong></span></span></p><br><ul><li><span><span>Proven capability to deliver Pre-FEED, FEED and Detailed Design projects within agreed scope, schedule, budget and quality targets.</span></span></li><li><span><span>Plans and controls discipline work, including resource loading, work-sharing with GID, and technical interface management.</span></span></li><li><span><span>Supports project managers and discipline managers with execution strategies and risk mitigation plans.</span></span></li></ul><p><span><span><strong>5. Health, Safety &amp; Risk Management</strong></span></span></p><br><ul><li><span><span>Demonstrates strong commitment to Health, Safety and Environment (HSE) principles in design and execution.</span></span></li><li><span><span>Leads and participates in design safety studies, constructability reviews, risk assessments and value engineering workshops.</span></span></li><li><span><span>Ensures pipeline designs are safe, operable and compliant with Worley and client HSE requirements.</span></span></li></ul><p><span><span><strong>6. Quality Management &amp; Technical Assurance</strong></span></span></p><br><ul><li><span><span>Ensures technical integrity of all pipeline deliverables through effective checking, verification and approval processes.</span></span></li><li><span><span>Applies the Worley Quality Management System consistently across all activities.</span></span></li><li><span><span>Drives lessons learned and continuous improvement in engineering processes and standards.</span></span></li></ul><p><span><span><strong>7. Stakeholder &amp; Interface Management</strong></span></span></p><br><ul><li><span><span>Interfaces effectively with project management, clients, licensors, vendors, construction teams and internal disciplines.</span></span></li><li><span><span>Provides clear technical communication and timely resolution of issues across discipline and project interfaces.</span></span></li><li><span><span>Supports technical clarifications during proposals, project execution and construction phases.</span></span></li></ul><p><span><span><strong>8. Commercial &amp; Schedule Awareness</strong></span></span></p><br><ul><li><span><span>Understands project economics, cost estimating, change management and schedule impacts of design decisions.</span></span></li><li><span><span>Supports proposal development, estimates, technical clarifications and execution planning.</span></span></li><li><span><span>Balances technical excellence with commercial and delivery considerations.</span></span></li></ul><p><span><span><strong>9. Digital Tools &amp; Systems Proficiency</strong></span></span></p><br><ul><li><span><span>Advanced user of pipeline engineering tools (e.g. Caesar II, Excel, MathCAD or equivalent analytical tools).</span></span></li><li><span><span>Competent in Worley engineering systems, document management systems and digital workflows.</span></span></li><li><span><span>Encourages effective use of digital tools to improve efficiency and consistency.</span></span></li></ul><p><span><span><strong>10. Professional Integrity &amp; Continuous Improvement</strong></span></span></p><br><ul><li><span><span>Demonstrates high standards of professional ethics, accountability and integrity.</span></span></li><li><span><span>Actively contributes to discipline initiatives, standardisation, innovation and best practice development.</span></span></li><li><span><span>Keeps abreast of industry developments, emerging technologies and evolving standards.</span></span></li></ul><span><span>Specific Accountabilities</span></span><p><span><span>-</span></span><span>Leading discipline team onto the assigned project(s). Discipline team may comprise of multi-cultural and/or multi-location resources.</span></p><br><p><span><span>-</span></span><span>Experience in preparation of Pipeline Design documents independently and complete the design activities within specified schedule &amp; budget.</span></p><br><p><span><span>-</span></span><span>Self-motivated, shall work independently leading the team of engineers &amp; designers for the project with effective communication with Project Managers/PEMs and Discipline Manager.</span></p><br><p><span><span>-</span></span><span>Pro-active, should be able to guide Engineers &amp; Designers on technical and non-technical issues towards effective solutions.</span></p><br><p><span><span>-</span></span><span>Capable of executing multiple tasks and delivering it efficiently within specified schedule.</span></p><br><p><span><span>·</span></span><span>Pipeline route selection, to optimise costs of new pipelines.</span></p><br><p><span><span>·</span></span><span>Pipeline sizing and design to meet performance criteria.</span></p><br><p><span><span>·</span></span><span>Cost estimating for pipelines and facilities.</span></p><br><p><span><span>·</span></span><span>Providing pipeline construction support.</span></p><br><p><span><span>·</span></span><span>Up to date knowledge and experience in onshore pipeline design codes for oil and gas industry</span></p><br><p><span><span>·</span></span><span>All design engineering activities, project m</span><span>anagement skills, technical execution and completion of assigned engineering tasks</span></p><br><p><span><span>·</span></span><span>Assisting the project engineers in the co-ordination and preparation of input into the contract documents for each discipline area, including design criteria, scope of work, procedures and design approach.</span></p><br><p><span><span>·</span></span><span>Monitoring team productivity with effective budget control measures.</span></p><br><p><span><span>·</span></span><span>Liaison and co-ordination with other engineers and discipline groups on the contract to effect timely production of deliverables.</span></p><br><p><span><span>·</span></span><span>Technical writing activities, in particular, production of technical reports and procedures</span></p><br><p><span><span>·</span></span><span>Provide interpretation and verification of design &amp; engineering</span></p><br><p><span><span>·</span></span><span>Facilitate and administer interdisciplinary coordination</span></p><br><p><span><span>·</span></span><span>Providing proposal inputs for the new jobs under bidding stage.</span></p><br><p><span><span>·</span></span><span>Setting high performance standards for the team of engineers working on the assigned project.</span></p><br><ul><li><p><span>Quality Assurance – Responsible for working within the provisions and guidelines of the Quality Assurance system relevant to the Oil &amp; Gas Business Unit.</span></p><br></li><li><span>Safety – Responsible for personal safety, safe working practices for the Oil &amp; Gas Business Unit. Understand and follow OH&amp;S procedures.</span></li></ul> <p><span><strong>Industry Specific Experience</strong></span></p><br><ul><li><p><span>Must have vast pipeline design engineering experience in the Oil and Gas industry industry.&nbsp;</span></p><br></li><li><span>Extensive experience in Pre-FEED, FEED and detailed design of Oil and Gas onshore pipeline projects.&nbsp;</span></li></ul><p><span><b><strong>Education – Qualifications, Accreditation, Training</strong></b>:&nbsp;</span></p><br><ul><li><p><span>Full-Time Bachelor’s Degree in Mechanical Engineering from an accredited university</span></p><br></li><li><p><span>MME (Ministry of Municipality and Environment) engineering accreditation is a mandatory requirement. Candidates not holding this accreditation must be willing to achieve this within the probationary period</span></p><br></li><li><p><span><span>Chartered Professional Engineer (CPEng) status or undertaking the same will be an advantage&nbsp;</span></span></p><br></li></ul><p><span><strong>IT / Systems Skills:</strong></span></p><br><ul><li><span>Computer skills particularly in the use of CEASER package for stress analysis and knowledge of the onshore pipeline design calculations for wall thickness, buoyancy, upheavel buckling, etc. in Excel/ Math Cad.</span></li></ul><p><span><strong>Moving forward together</strong></span></p><br><p><span><span>We’re committed to building a diverse, inclusive and respectful workplace where everyone feels they belong, can bring themselves, and are heard. We provide equal employment opportunities to all qualified applicants and employees without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by law.</span></span></p><br><p><span>We want our people to be energized and empowered to drive sustainable impact. So, our focus is on a values-inspired culture that unlocks brilliance through belonging, connection and innovation.</span></p><br><p><span>And we're not just talking about it; we're doing it. We're reskilling our people, leveraging transferable skills, and supporting the transition of our workforce to become experts in today's low carbon energy infrastructure and technology.</span></p><br><p><span>Whatever your ambition, there’s a path for you here. And there’s no barrier to your potential career success. Join us to broaden your horizons, explore diverse opportunities, and be part of delivering sustainable change.</span></p><br> </div>

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 manage the overall marketing process of all treasury products to international clients (excluding MENA region). The incumbent will manage the process of generating profitable International Treasury Product sales and in creating potential for the Group as a whole to leverage additional benefit from these sales.<br><br>Main Responsibilities<br><br> Shareholder & Financial:Implements and leads the Group’s strategies to position its treasury as a major player in the international treasury segment. Develop/ creates Key Performance Indicators (KPIs) created for the purpose of systematic performance monitoring and quality measurement purposes for the Desk and monitor their achievements. Is involved in the setting and responsible for the achievement of set targets/ objectives, business growth and expansion for the International Treasury Sales Unit. Implements and evaluates best practice work methods in area of responsibility to achieve optimum level of performance efficiency from the desk. Implements KPI’s and best practices for Senior Vice President Treasury Sales International role. Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank. Customer (Internal & External):Builds and maintains strong and effective relationships with all other related units to achieve the International Treasury Sales goals/objectives. Provides timely and accurate information to the external and internal auditors, the Compliance function and Group Risk as and when required. Maintains relationships with key International clients To assist customers in all their queries on Bank’s product and seek solution to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time. Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives. Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required. Internal (Processes, Products, Regulatory):Ensures compliance to the department’s policies and procedures for conducting sales calls and visits, preparing presentation on products internally and externally, maintaining the contact database and maintaining/ collating MIS pertaining to profitability/ revenue. Develops new international relationships, within the delegated authority, and subsequently act as the main focal point for guidance and assistance in resolution of any contentious issues arising in the course of managing international relationships. Liaises with the International Corporate Banking Division to identify potential customers and to cross sell treasury services in addition to delivering requisite training to International Corporate Banking staff on the treasury products and services that are provided by the Group. Maintains the database for international treasury customers, ensuring its timely update after contact with potential and current QNB customers. Networks with International customers and marketing groups within and outside QNB in order to solicit customer feedback, gain market intelligence, benchmark selling techniques and enhance the Group’s profile in the market. Is involved in the product development process, in coordination with the SVP, Treasury Structured Products and Derivatives. Monitors and enhances the product development process, provide timely update to the EVP, Group Treasury Sales on customer needs and new market opportunities. Sets meetings and visits for self and subordinates with international customers Ensures that all international treasury sales team members have a constructive personal working relationship through regular planned calling, visits, entertainment etc…. with the objective that the customer is responsive to our calls and considers the Group a strategic partner when in need of treasury products and services Stay abreast of market and product developments in the area and update International Treasury Sales team and superiors. Manages and maintains a well-motivated, well trained, focused team with a reputation for the highest standards of professionalism and ethical behavior to ensure a good name in the market. Continuous Improvement:Set examples by leading improvement initiatives through cross-functional teams ensuring successes. Identify and encourage people to adopt practices better than the industry standard. Continuously encourage and recognise the importance of thinking out-of-the-box within the team. Encourage, solicit and reward innovative ideas even in day-to-day issues. Learning & Knowledge:Monitors performance of direct repartee's and guide them in managing their performance by providing appropriate feedback. Identifies related areas for professional development of self and all direct reports, and act to enhance professional development of self and others. Seek out opportunities to remain current with all developments in professional field. Hold meetings with staff and assess their performance and your team's overall performance on a regular basis. Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members. Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities. Legal, Regulatory, and Risk Framework Responsibilities:Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). Understand and effectively perform your role under the Three Lines of Defense principle to identify measure, 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 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. 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 of business and provide such information on a need-to-know basis only to Senior Management of QNB, Audit and 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.<br>Education And Experience Requirements<br><br>Bachelors / Masters (Masters preferred), preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology. MBA, CFA, or a related professional certification is a plus. Minimum 15 years treasury sales experience, preferably with corporate sales exposure in the Gulf. Excellent oral and written communication skills in English and Arabic (preferable). Exceptional presentation skills. Good MS Office skills (Word, Excel, Power Point). Good knowledge of a wide range of treasury products. Analytical and problem-solving skills coupled with decision making ability. A strong customer service orientation with exceptional knowledge of Customer Relationship Management (CRM). Must be able to work effectively under market pressures whilst maintaining risk control and limit compliance. Proven marketing and sales skills. Understanding of the relevant laws, regulations and practices. Good interpersonal skills. Ability to motivate and lead teams from diverse cultural backgrounds. Undoubted ethical awareness and conscious of risks being undertaken. Profit and results driven. <br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education 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 primarily responsible for providing effective support to the SME Sales team. His key role includes, but is not limited to the following:Proactively marketing solicitation of SME relationships for both Assets & Liabilities. Ensure implementation of a marketing plan as per agreed objectives. Ensure quality of portfolio is satisfactory Act as one-stop solution for all such customers’ requests / needs. Managing & developing existing & new relationships within the delegated authority and in accordance with QNB credit policies and procedures. Closely work with his senior team members to develop and expand the bank’s corporate business from existing corporate customers and new relationships in line with the bank’s strategy. Prepare credit proposals, starting from negotiation stage with the customers until limit booking. Coordinate with other departments to ensure smooth operations of the accounts.<br><br>Main Responsibilities<br><br> Shareholder & Financial: Provide inputs to his line manager in developing and implementing strategies and plans to achieve all volume, revenue, and profit targets for the SME segment. Proactively support his line manager in the development of Key Performance Indicators for the purpose of systematic performance monitoring and quality measurement of the department’s function, customer portfolio development and the monitoring of achievements. Ensure proper monitoring and achievement of Key Performance Indicators on periodic basis. Ensure upholding and monitoring full compliance with prevailing best corporate banking practices. Implements KPI’s and best practices for Senior Manager SME Relationship Management Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank. Customer (Internal & External): Be highly responsive to customers’ needs & ensure client satisfaction Ensure high quality of portfolio in order to avoid direct credit losses. Act as the single point of contact for servicing all needs/ queries Provide input to his line manager to support the development of tailored product solutions for QNB SME clients Build and maintain strong and effective relationship with all other related departments and sections to ensure timely processing and resolution of the needs/ queries of the SME customer base including any related operational issues and thereby facilitate achievement of the Group’s goals/ objectives. Service the needs / queries of the customers under the team’s portfolio. Liaise with customers for their day-to-day banking requirements Ensure customers are well informed of their facilities and other matters To assist customers in all their queries on Bank’s product and seek solution to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time. Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives. Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required. Internal (Processes, Products, Regulatory): Implement marketing plan to identify corporate relationships. Monitor credit quality of the portfolio for risk recognition. Provide timely and accurate information to the internal auditors and the Compliance function as and when required on the SME customer base. Prepare periodic Management and Business Information reports. Maintain good understanding of the existing credit policy of the bank. Develop good understanding of QNB SME product offering Focus on managing relationships: Act as key point of contact for SME clients in the portfolio Directly responsible for handling corporate borrowing portfolio growth, quality and profitability Proactively review the financial situation of clients and provide advice on product solutions for their banking needs Strengthen existing relationships with clients in the portfolio through regular visits Develop and manage on day-to-day basis existing relationships to meet assigned financial and nonfinancial targets, in compliance with established QNB credit policies, procedures and standards. Target prospect corporate customers and explore new business opportunities to meet assigned financial and non-financial targets, in compliance with established QNB credit policies, procedures and standards. Process new credit applications, renewals and any other requests for new and existing customers in coordination with his senior team members, while addressing adequately all relevant and risk factors and latest developments in the industry, market and business Liaise with other departments within the bank for customers’ transactions. Maintain high credit documentation standards, Obtain all requisite facility and account documentation to ensure each customer’s file is current with valid legal documentation to secure / protect the Bank's interests. Gather all relevant information required to make credit decisions Develop understanding of the SME banking market in Qatar, identifying key trends, regulations, clients’ needs and the activities of competitors Learning & Knowledge: Planning, organizing and controlling, prioritizing and planning work activities, using time efficiently. Possess a good knowledge of corporate banking products, legal, documentation & regulatory requirements Proactively identify areas for professional development of self and undertake development activities. Seek out opportunities to remain current with all developments in professional field. Legal, Regulatory, and Risk Framework Responsibilities: Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control 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, 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 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. 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 of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and 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.<br><br>Education And Experience Requirements<br><br> University graduate (Bachelor) preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration (related field of study), [“Masters preferred.”] At least 8 years of relevant experience, preferably within a highly rated international bank. Excellent oral and written communication skills (including report writing) in English and Arabic. Good interpersonal and presentation skills. Understanding of the relevant laws, regulations, and practices. Ability to make decisions and follow through with initiatives. Personal integrity and self-management. Planning, organising, and analytical ability. Results oriented. Strong analytical skills and the ability to communicate both verbally and in writing with all levels of management. Decision making skills. Problem solving skills. Good track record in sales and client service . Awareness of risk management concepts and practices. Good knowledge of SME banking products.<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 manage the overall marketing process of all treasury products to international clients (excluding MENA region). The incumbent will manage the process of generating profitable International Treasury Product sales and in creating potential for the Group as a whole to leverage additional benefit from these sales.<br><br>Main Responsibilities<br><br> Shareholder & Financial:Implements and leads the Group’s strategies to position its treasury as a major player in the international treasury segment. Develop/ creates Key Performance Indicators (KPIs) created for the purpose of systematic performance monitoring and quality measurement purposes for the Desk and monitor their achievements. Is involved in the setting and responsible for the achievement of set targets/ objectives, business growth and expansion for the International Treasury Sales Unit. Implements and evaluates best practice work methods in area of responsibility to achieve optimum level of performance efficiency from the desk. Implements KPI’s and best practices for Senior Vice President Treasury Sales International role. Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank. Customer (Internal & External):Builds and maintains strong and effective relationships with all other related units to achieve the International Treasury Sales goals/objectives. Provides timely and accurate information to the external and internal auditors, the Compliance function and Group Risk as and when required. Maintains relationships with key International clients To assist customers in all their queries on Bank’s product and seek solution to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time. Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives. Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required. Internal (Processes, Products, Regulatory):Ensures compliance to the department’s policies and procedures for conducting sales calls and visits, preparing presentation on products internally and externally, maintaining the contact database and maintaining/ collating MIS pertaining to profitability/ revenue. Develops new international relationships, within the delegated authority, and subsequently act as the main focal point for guidance and assistance in resolution of any contentious issues arising in the course of managing international relationships. Liaises with the International Corporate Banking Division to identify potential customers and to cross sell treasury services in addition to delivering requisite training to International Corporate Banking staff on the treasury products and services that are provided by the Group. Maintains the database for international treasury customers, ensuring its timely update after contact with potential and current QNB customers. Networks with International customers and marketing groups within and outside QNB in order to solicit customer feedback, gain market intelligence, benchmark selling techniques and enhance the Group’s profile in the market. Is involved in the product development process, in coordination with the SVP, Treasury Structured Products and Derivatives. Monitors and enhances the product development process, provide timely update to the EVP, Group Treasury Sales on customer needs and new market opportunities. Sets meetings and visits for self and subordinates with international customers Ensures that all international treasury sales team members have a constructive personal working relationship through regular planned calling, visits, entertainment etc…. with the objective that the customer is responsive to our calls and considers the Group a strategic partner when in need of treasury products and services Stay abreast of market and product developments in the area and update International Treasury Sales team and superiors. Manages and maintains a well-motivated, well trained, focused team with a reputation for the highest standards of professionalism and ethical behavior to ensure a good name in the market. Continuous Improvement:Set examples by leading improvement initiatives through cross-functional teams ensuring successes. Identify and encourage people to adopt practices better than the industry standard. Continuously encourage and recognise the importance of thinking out-of-the-box within the team. Encourage, solicit and reward innovative ideas even in day-to-day issues. Learning & Knowledge:Monitors performance of direct repartee's and guide them in managing their performance by providing appropriate feedback. Identifies related areas for professional development of self and all direct reports, and act to enhance professional development of self and others. Seek out opportunities to remain current with all developments in professional field. Hold meetings with staff and assess their performance and your team's overall performance on a regular basis. Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members. Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities. Legal, Regulatory, and Risk Framework Responsibilities:Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). Understand and effectively perform your role under the Three Lines of Defense principle to identify measure, 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 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. 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 of business and provide such information on a need-to-know basis only to Senior Management of QNB, Audit and 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.<br>Education And Experience Requirements<br><br>Bachelors / Masters (Masters preferred), preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology. MBA, CFA, or a related professional certification is a plus. Minimum 15 years treasury sales experience, preferably with corporate sales exposure in the Gulf. Excellent oral and written communication skills in English and Arabic (preferable). Exceptional presentation skills. Good MS Office skills (Word, Excel, Power Point). Good knowledge of a wide range of treasury products. Analytical and problem-solving skills coupled with decision making ability. A strong customer service orientation with exceptional knowledge of Customer Relationship Management (CRM). Must be able to work effectively under market pressures whilst maintaining risk control and limit compliance. Proven marketing and sales skills. Understanding of the relevant laws, regulations and practices. Good interpersonal skills. Ability to motivate and lead teams from diverse cultural backgrounds. Undoubted ethical awareness and conscious of risks being undertaken. Profit and results driven. <br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education Certificate

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Job Summary <br> <p>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.</p><br> <br> <br><br> Main Responsibilities <br> <p>A. Shareholder &amp; 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. </p><br><p>B. Customer (Internal &amp; 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)</p><br><p>C. Internal (Processes, Products, Regulatory): - Work closely and proactively with Retail Banking and Asset &amp; 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.</p><br> <br> <br><br> Education and Experience Requirements <br> <p>Education &amp; 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.</p><br> <br> <br> </div>

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 Purpose Summary<br><br>The incumbent will support the SVP, Retail Banking and Operations audit in conducting the Retail Banking and Operations Audit assignments as per the approved audit plan, and act as an important role within the Group Internal Audit Division. This role provides independent assurance and advisory services, directing internal audit activities across the Retail Banking and Operations audits. Key responsibilities include contributing to the development and maintenance for the Retail Banking and Operations audit universe and the implementation of advanced data analytics and continuous auditing for enhanced efficiency and real-time risk monitoring. This position requires full compliance with the GIAD Audit Manual, Global Internal Audit standards, and relevant local regulations. The Senior Associate is crucial for safeguarding customer trust, ensuring robust regulatory compliance and maintaining the integrity and effectiveness of the assigned areas. As a member of the Internal Audit Team, this role contributes to the Group's audit strategy, emphasizing consumer protection, financial crime prevention, and regulatory compliance.<br><br>Essential Duties & Responsibilities By Dimensions<br><br> Shareholder & Financial: Contribute to the execution of the risk-based annual plan that aligns with the Group Internal Audit strategy and aims to protect the organization from financial penalties, reputational damage, and operational losses arising from non-compliance or ineffective controls. Identify compliance and operational risks that could impact the Group's financial performance, brand reputation, and shareholder value, providing actionable recommendations for mitigation. Evaluate the efficiency and effectiveness of Retail Banking and Operations processes and controls to enhance the bank’s governance, risk management and control processes. Ahere to KPI’s and best practices for the Retail Banking and Operations Audit section. Identify cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank. Act within the limits of the powers delegated to the incumbent. Customer (Internal & External): Build and maintain strong, independent, and collaborative relationships with the staff of Retail Banking and Operations Functions and other relevant business and support function. Communicate audit findings, risk assessments, and recommendations to diverse internal stakeholders, including the SVP, EVP, GCAE, and management, ensuring clear understanding of regulatory and operational risks. Act as a trusted advisor to Retail Banking and Operations management on matters of internal control, consumer protection, financial crime prevention, and regulatory adherence. To assist (internal) customers in all their queries on Bank’s product and seek solution to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time. Build and maintain good/effective relationships with related departments/units to achieve the Group’s objectives. Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required. Internal (Processes, Products, Regulatory): Conduct the full audit cycle for the Domestic Retail Banking and Operations audit engagements. All audit activities must be conducted in full compliance with the GIAD Audit Manual, the IIA's International Professional Practices Framework (IPPF), and relevant local regulations. Engagements: support the team leader in executing the audit engagements and ensuring own work is performed efficiently and effectively and meets GIAD quality standards. Planning phase: support the team leader in conducting detailed risk assessments and interviews with auditees to define and document the precise audit scope and work program in the required deliverables (APM, RCM and ToR) addressing the most significant risks. Fieldwork phase: conduct testing of assigned scope areas and support the team leader to prepare progress updates and interim meetings with the auditees. Reporting phase: draft clear and concise audit issues and recommendations supported by solid evidence, present audit findings to the auditees to obtain management actions. Issue Follow up Phase: Perform issue closure validation in accordance with the latest audit methodology and timely escalate potential delays to management, as needed. Timely conduct audit file closure procedures in accordance with the latest audit methodology and standards. Collaborate with peers to achieve full coverage of domestic subsidiaries, support, control and risk functions in the organization. Support the delivery of department audits, assessing the design and operating effectiveness of retail banking and operations controls against industry best practices and regulatory requirements. Assess the adequacy and effectiveness of internal controls, risk management processes, and governance frameworks within the retail banking and operations divisions and for enterprise-wide compliance programs. Identify and report on control weaknesses, process inefficiencies, and non-compliance issues specific to the related areas, providing actionable and value-added recommendations. Ensure the consistent application of internal audit methodologies, tools, and best practices across all audit's engagements. Continuously provide inputs to refine and update the audit universe by identifying new products, processes, digital channels, and emerging regulatory requirements, ensuring comprehensive and relevant audit coverage. Actively contribute to the strategic integration of data analytics (tools) into the audit practice to enhance risk identification, efficiency, and depth of analysis. Contribute and ensure the implementation of continuous auditing capabilities to provide real-time assurance and insights. Learning & Knowledge: Proactively identify areas for professional development of self and undertake development activities. Seek out opportunities to remain current with all developments in professional field. Ensure to build up the necessary skills and understanding of Retail Banking and operations functions, customer journeys, and the complex regulatory landscape. Participate in ongoing professional development, rotations within GIAD and work on obtaining relevant certifications (e.g., CIA, CISA, CAMS, CRMA, CFA within the team to maintain expertise in the evolving banking landscape. This includes actively developing practical skills in data analytics and continuous auditing techniques within the audit division. Legal, Regulatory, and Risk Framework Responsibilities: Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). Understand and effectively perform your role under the Three Lines of Defense principle to identify measure, 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 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. Maintain an in-depth knowledge of all applicable banking laws, consumer protection regulations, anti-money laundering (AML), counter-terrorist financing (CFT), data privacy, and market conduct regulations. Ensure the Retail Banking and Operations Audit function operates in full compliance with all relevant legal and regulatory requirements and internal Group policies. This includes strict adherence to the GIAD Group Audit Manual and the Global Internal Audit Standards and Topical Requirements. Contribute to the enhancement of the organization's enterprise-wide risk management and compliance frameworks by providing insights from audit findings, which are derived from a comprehensive and up to date audit universe. Ensure that all audit engagements rigorously assess adherence to these regulations. Contribute to a strong culture of compliance and ethical conduct across the organization through effective audit coverage and advisory services.<br><br>Education & Experience Requirements<br><br> University graduate preferably with a Major in Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study), Masters preferred. At least 2 years of experience in internal audit, compliance, or a related field conducting audit within Retail Banking and Operations, preferably within a reputable Bank. Certifications: Certified Internal Auditor (CIA) is desirable. Additional international certifications or country-specific qualifications (e.g., CPA, CISA) are highly desirable.<br><br>Note: you will be required to attach the following:<br><br>Resume/CVCVCopy of Passport or QIDCopy of Education certificate

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Job Summary <br> <p>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.</p><br> <br> <br><br> Main Responsibilities <br> <p>A. Shareholder &amp; Financial: - - - - - - - - - - </p><br><p>Implement the bank has approved overdue loans collections strategy to minimize loss to the bank. Continuously </p><br><p>identify ways to improve collection process and recommend implementation. </p><br><p>Conduct thorough analysis of the bank’s Retail NPL portfolio to identify bucket-wise trends and formulate </p><br><p>strategies to ensure progressive reduction in bucket-wise outstanding / overdue figures, especially for the higher</p><br><p>end buckets (associated with high probability of default). For the lower-end buckets (representing one or two </p><br><p>instalments overdue), ensure proactive steps are immediately taken to collect the overdue amounts on timely </p><br><p>basis to prevent the outstanding amounts from moving to the higher-end default buckets. </p><br><p>Pro-actively participate in the preparation / updating of policies and procedures to meet the needs of current </p><br><p>market and working environment to protect the best interests of the bank and to ensure efficient and effective </p><br><p>process flow of the Department’s functions. </p><br><p>Formulate feasible remedial / collection strategy for re-structuring / re-scheduling of defaulting clients’ accounts, </p><br><p>obtain approval from relevant approving authority, negotiate and finalize with customer and implement approved </p><br><p>work-out strategy and action plan in an efficient and effective manner, and continuously identify ways to improve </p><br><p>collection process, and ensure close follow up and monitoring for compliance with agreements to minimize losses </p><br><p>for the bank. </p><br><p>Properly implement collection and provisioning process in accordance with QNB’s policies and procedures and in </p><br><p>compliance with QCB and other relevant regulatory requirements, accounting standards, and industry norms. </p><br><p>Work closely and coordinate with all concerned QNB Business units, Credit Risk officers, Department’s staff and </p><br><p>third party collection agents engaged by the bank to aggressively pursue their collection objectives and goals. </p><br><p>Adhere to, and achieve collection control team Benchmark levels, and KPIs, as stated by EVP, Group Remedial. </p><br><p>Implements KPI’s and best practices for Retail Recovery Control. </p><br><p>Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise </p><br><p>benefits for the bank. </p><br><p>Act within the limits of the powers delegated to the incumbent. </p><br><p>B. Customer (Internal &amp; External): - - - - - </p><br><p>Ensure full knowledge and understanding of all Retail NPL cases assigned including reviewing all customer and </p><br><p>deal information including conducting site visits, and assessing the true status of the customer’s business, </p><br><p>Maintain close links with market intelligence to quickly respond to identified risk issues and potential problems. </p><br><p>Build and maintain strong and effective working relationship with the Retail Banking Division – Collections Unit, </p><br><p>the QNB Legal Department and all other concerned QNB units, as well as external third party professionals, legal </p><br><p>consultants, government officials, etc. to achieve the Department’s goals and objectives. </p><br><p>Keep close tabs and follow up on customer activities and whereabouts through communication with such </p><br><p>customer’s employer, Telecommunication companies, Ministry of Interior information centers, credit bureaus, etc. </p><br><p>Implement policies/ procedures and related processes pertaining to the Retail NPL collections function, which </p><br><p>includes guidelines for initiating contact with the errant customers (verbal/ written reminders), </p><br><p>C. Internal (Processes, Products, Regulatory): - - - - - - - - - - - - - </p><br><p>Work closely and proactively with Retail Banking and Asset &amp; Wealth Management Business units, and or the </p><br><p>Early Warning officers to identify non-performing customers. </p><br><p>Collect updated information on the identified Retail NPL customer by conducting comprehensive checking with all </p><br><p>possible resources including QCB Credit Bureau, other bankers, suppliers, buyers, competitors and other relevant </p><br><p>third parties [without duplicating checking already made by the Early Warning officers]. </p><br><p>Assign / transfer the overdue Retail accounts to the Retail Collection Unit for day-to-day management as soon as </p><br><p>deemed necessary and appropriate (after exhaustive efforts by the business area to settle the overdue balances </p><br><p>have failed). </p><br><p>Supervise, monitor and control the Retail Collection Unit’s activities to ensure proper implementation of agreed </p><br><p>collection strategies in an efficient and effective manner, and in compliance with the bank’s policies and. </p><br><p>Procedures, as well as QCB regulations. Immediately advised the bank’s Legal personnel of such Retail NPL </p><br><p>accounts and provide them with relevant legal documentation related to the exposure as early as possible so that </p><br><p>timely action can be initiated to avoid further deterioration of the account and or initiate early recovery of the </p><br><p>overdue amounts including conducting thorough legal documentation review and security / collateral confirmation </p><br><p>and re-valuation to assess the current legal and collateral position of the bank to formulate the appropriate </p><br><p>remedial, re-structuring / and collection strategy for such account with the best interests of the bank in mind and or </p><br><p>to assist in building up bank’s case against the customer. </p><br><p>Determine updated collateral [real estate and movable assets] values and mark to market values of securities </p><br><p>pledged – if any, and assess the liquidity of such collateral to estimate recovery potential upon liquidation scenario </p><br><p>execution. </p><br><p>Recommend, in coordination with Retail Collection Unit, engagement of competent and reputable external debt </p><br><p>collectors to augment retail collection efforts, especially for overseas defaulters overseas, and manage the </p><br><p>relationship by ensuring the existence of a process whereby timely and updated information regarding defaulting / </p><br><p>absconding customers is provided to them to help the agencies in their efforts to track such customers; and in turn </p><br><p>periodic collection status reports are given to the Department to update us on developments. Responsible for </p><br><p>recommending termination of low performing debt collectors. </p><br><p>Initiate and recommend, in coordination with Retail Collection Unit and QNB Legal Counsel, the engagement of </p><br><p>competent external legal counsel, and or referral / filing of case against the erring customer with the Police </p><br><p>authorities if deemed necessary and appropriate, particularly for large and complicated delinquent exposures and </p><br><p>difficult / non-cooperative clients. </p><br><p>Prepare and release Legal Notices when cases are filed, and cancel such Notices when cases are settled. </p><br><p>Closely follow up and monitor Retail NPL cases referred to external collection agents, external legal counsel, </p><br><p>police authorities and or legal [civil/ criminal] courts and provide regular periodic reports summarizing status and </p><br><p>developments of such cases. </p><br><p>Execute on timely basis the required actions related to the management, control, monitoring, maintenance and </p><br><p>reporting of Retail NPL portfolio including but not limited to: formulation / negotiation and finalization of re</p><br><p>structuring / re-scheduling agreement with customers – including tenor extensions; reversal of accrued interests; </p><br><p>interest rate reductions; re-activation of credit cards; determination and booking of Loan Loss Provisions, in </p><br><p>accordance with the delegated authorities granted by the Group Credit Committee, the Bank’s policies and </p><br><p>procedures and the QCB requirements. </p><br><p>Manage the public auctions process and ensure the independence over the selection and evaluation of bids. </p><br><p>Properly record loan loss provisions in accordance with appropriate Senior Management approval and QCB </p><br><p>requirements. </p><br><p>In coordination with the Retail Collection Unit, ensure the preparation of timely and accurate information </p><br><p>concerning the bank’s delinquent Retail accounts portfolio and collection and control status reports for the SVP, </p><br><p>Retail Recovery Control, Group Chief Risk Officer and concerned Senior Management, the internal and external </p><br><p>auditors, and Group’s Compliance and Legal functions, relevant regulators, as and when required. The Reports </p><br><p>will include but are not limited to: Daily Risk Report, Vehicle Repossession Report, Police Cases Report (cases </p><br><p>raised or filed), and Ex-Staff Outstanding Report. Deceased Customers Report Reversed Interest Report. Re</p><br><p>scheduled Loans Report, Collateral (Vehicles) Sold Report. </p><br><p>E. Legal, Regulatory, and Risk Framework Responsibilities: - Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, </p><br><p>Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control </p><br><p>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, </p><br><p>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 </p><br><p>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. </p><br><p>F. 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 </p><br><p>of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and </p><br><p>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 </p><br><p>containing, minimizing and or reducing the bank’s NPL portfolio exposure levels and mitigate risks of further </p><br><p>deterioration, through formulation and implementation of a feasible re-scheduling agreement; frequent customer </p><br><p>contacts to monitor customer’s activities and status; taking of legal action and enforcement of security if any, and </p><br><p>the aggressive pursuance of the repayment of the overdue debt through all legal and market accepted means in </p><br><p>accordance with QNB policies and procedures and in compliance with QCB regulations. </p><br> <br> <br><br> Education and Experience Requirements <br> <p>--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.</p><br> <br> <br> </div>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Job Summary <br> <p>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.</p><br> <br> <br><br> Main Responsibilities <br> <p>A. Shareholder &amp; Financial: - - - - - - - - - - </p><br><p>Implement the bank has approved overdue loans collections strategy to minimize loss to the bank. Continuously </p><br><p>identify ways to improve collection process and recommend implementation. </p><br><p>Assist with analysis of the bank’s Retail NPL portfolio to identify bucket-wise trends and formulate strategies to </p><br><p>ensure progressive reduction in bucket-wise outstanding / overdue figures, especially for the higher-end buckets </p><br><p>(associated with high probability of default). For the lower-end buckets (representing one or two instalments </p><br><p>overdue), ensure proactive steps are immediately taken to collect the overdue amounts on timely basis to prevent </p><br><p>the outstanding amounts from moving to the higher-end default buckets. </p><br><p>Pro-actively participate in the preparation / updating of policies and procedures to meet the needs of current </p><br><p>market and working environment to protect the best interests of the bank and to ensure efficient and effective </p><br><p>process flow of the Department’s functions. </p><br><p>Assist the remedial / collection strategy for re-structuring / re-scheduling of defaulting clients’ accounts, obtain </p><br><p>approval from relevant approving authority, negotiate and finalize with customer and implement approved work</p><br><p>out strategy and action plan in an efficient and effective manner, and continuously identify ways to improve </p><br><p>collection process, and ensure close follow up and monitoring for compliance with agreements to minimize losses </p><br><p>for the bank. </p><br><p>Assist the collection and provisioning process in accordance with QNB’s policies and procedures and in </p><br><p>compliance with QCB and other relevant regulatory requirements, accounting standards, and industry norms. </p><br><p>Work closely and coordinate with all concerned QNB Business units, Credit Risk officers, Department’s staff and </p><br><p>third party collection agents engaged by the bank to aggressively pursue their collection objectives and goals. </p><br><p>Adhere to, and achieve collection control team Benchmark levels, and KPIs, as stated by EVP, Group Remedial. </p><br><p>Implements KPI’s and best practices for Retail Recovery Control. </p><br><p>Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise </p><br><p>benefits for the bank. </p><br><p>Act within the limits of the powers delegated to the incumbent. </p><br><p>B. Customer (Internal &amp; External): - - - - - </p><br><p>Ensure full knowledge and understanding of all Retail NPL cases assigned including reviewing all customer and </p><br><p>deal information including conducting site visits, and assessing the true status of the customer’s business, </p><br><p>Maintain close links with market intelligence to quickly respond to identified risk issues and potential problems. </p><br><p>Build and maintain strong and effective working relationship with the Retail Banking Division – Collections Unit, </p><br><p>the QNB Legal Department and all other concerned QNB units, as well as external third party professionals, legal </p><br><p>consultants, government officials, etc. to achieve the Department’s goals and objectives. </p><br><p>Keep close tabs and follow up on customer activities and whereabouts through communication with such </p><br><p>customer’s employer, Telecommunication companies, Ministry of Interior information centers, credit bureaus, etc. </p><br><p>Implement policies/ procedures and related processes pertaining to the Retail NPL collections function, which </p><br><p>includes guidelines for initiating contact with the errant customers (verbal/ written reminders), filing of charges with </p><br><p>C. Internal (Processes, Products, Regulatory): - - - - - - - - - - - - - </p><br><p>Work closely and proactively with Retail Banking and Asset &amp; Wealth Management Business units, and or the </p><br><p>Early Warning officers to identify non-performing customers. </p><br><p>Collect updated information on the identified Retail NPL customer by conducting comprehensive checking with all </p><br><p>possible resources including QCB Credit Bureau, other bankers, suppliers, buyers, competitors and other relevant </p><br><p>third parties [without duplicating checking already made by the Early Warning officers]. </p><br><p>Assign / transfer the overdue Retail accounts to the Retail Collection Unit for day-to-day management as soon as </p><br><p>deemed necessary and appropriate (after exhaustive efforts by the business area to settle the overdue balances </p><br><p>have failed). </p><br><p>Supervise, monitor and control the Retail Collection Unit’s activities to ensure proper implementation of agreed </p><br><p>collection strategies in an efficient and effective manner, and in compliance with the bank’s policies and. </p><br><p>Procedures, as well as QCB regulations. Immediately advised the bank’s Legal personnel of such Retail NPL </p><br><p>accounts and provide them with relevant legal documentation related to the exposure as early as possible so that </p><br><p>timely action can be initiated to avoid further deterioration of the account and or initiate early recovery of the </p><br><p>overdue amounts including conducting thorough legal documentation review and security / collateral confirmation </p><br><p>and re-valuation to assess the current legal and collateral position of the bank to formulate the appropriate </p><br><p>remedial, re-structuring / and collection strategy for such account with the best interests of the bank in mind and or </p><br><p>to assist in building up bank’s case against the customer. </p><br><p>Determine updated collateral [real estate and movable assets] values and mark to market values of securities </p><br><p>pledged – if any, and assess the liquidity of such collateral to estimate recovery potential upon liquidation scenario </p><br><p>execution. </p><br><p>Recommend, in coordination with Retail Collection Unit, engagement of competent and reputable external debt </p><br><p>collectors to augment retail collection efforts, especially for overseas defaulters overseas, and manage the </p><br><p>relationship by ensuring the existence of a process whereby timely and updated information regarding defaulting / </p><br><p>absconding customers is provided to them to help the agencies in their efforts to track such customers; and in turn </p><br><p>periodic collection status reports are given to the Department to update us on developments. Responsible for </p><br><p>recommending termination of low performing debt collectors. </p><br><p>Initiate and recommend, in coordination with Retail Collection Unit and QNB Legal Counsel, the engagement of </p><br><p>competent external legal counsel, and or referral / filing of case against the erring customer with the Police </p><br><p>authorities if deemed necessary and appropriate, particularly for large and complicated delinquent exposures and </p><br><p>difficult / non-cooperative clients. </p><br><p>Prepare and release Legal Notices when cases are filed, and cancel such Notices when cases are settled. </p><br><p>Closely follow up and monitor Retail NPL cases referred to external collection agents, external legal counsel, </p><br><p>police authorities and or legal [civil/ criminal] courts and provide regular periodic reports summarizing status and </p><br><p>developments of such cases. </p><br><p>Execute on timely basis the required actions related to the management, control, monitoring, maintenance and </p><br><p>reporting of Retail NPL portfolio including but not limited to: formulation / negotiation and finalization of re</p><br><p>structuring / re-scheduling agreement with customers – including tenor extensions; reversal of accrued interests; </p><br><p>interest rate reductions; re-activation of credit cards; determination and booking of Loan Loss Provisions, in </p><br><p>accordance with the delegated authorities granted by the Group Credit Committee, the Bank’s policies and </p><br><p>procedures and the QCB requirements. </p><br><p>Manage the public auctions process and ensure the independence over the selection and evaluation of bids. </p><br><p>Properly record loan loss provisions in accordance with appropriate Senior Management approval and QCB </p><br><p>requirements. </p><br><p>In coordination with the Retail Collection Unit, ensure the preparation of timely and accurate information </p><br><p>concerning the bank’s delinquent Retail accounts portfolio and collection and control status reports for the SVP, </p><br><p>Retail Recovery Control, Group Chief Risk Officer and concerned Senior Management, the internal and external </p><br><p>auditors, and Group’s Compliance and Legal functions, relevant regulators, as and when required. The Reports </p><br><p>will include but are not limited to: Daily Risk Report, Vehicle Repossession Report, Police Cases Report (cases </p><br><p>raised or filed), and Ex-Staff Outstanding Report. Deceased Customers Report Reversed Interest Report. Re</p><br><p>scheduled Loans Report, Collateral (Vehicles) Sold Report. </p><br><p>E. Legal, Regulatory, and Risk Framework Responsibilities: - Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, </p><br><p>Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control </p><br><p>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, </p><br><p>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 </p><br><p>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. </p><br><p>F. 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 </p><br><p>of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and </p><br><p>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 </p><br><p>containing, minimizing and or reducing the bank’s NPL portfolio exposure levels and mitigate risks of further </p><br><p>deterioration, through formulation and implementation of a feasible re-scheduling agreement; frequent customer </p><br><p>contacts to monitor customer’s activities and status; taking of legal action and enforcement of security if any, and </p><br><p>the aggressive pursuance of the repayment of the overdue debt through all legal and market accepted means in </p><br><p>accordance with QNB policies and procedures and in compliance with QCB regulations. </p><br> <br> <br><br> Education and Experience Requirements <br> <p>Bachelor’s degree preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study)</p><br> <br> <br> </div>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Job Purpose Summary: <br> <p><span>The incumbent will be responsible for implementing different assurance programs and tools to make sure the strategy of the anti-fraud activities within QNB Group Compliance, is working in an efficient way particularly in preventing and detecting all the fraud events, responding in a timely manner and reporting through the appropriate channels for escalation, investigation and feedback purposes in order to manage the fraud risks within the Group </span><strong><span>(except cards fraud)</span></strong><span>. In addition, act in a pro-active manner to feed up the fraud risk assessment process and strategy for continuous enhancement. </span></p><br><p><span>The incumbent assists Group Compliance to prevent the Group from being exposed to the fraud risk and the associated financial / reputation loss that the Group may incur/ suffer as a result of failure to comply with applicable laws, regulations, codes of conduct and standards of good practice relevant to the Group’s activities, including but not limited to measures for the prevention of any Fraud risk.</span></p><br> <br> <br><br> Essential Duties &amp; Responsibilities by Dimensions: <br> <p><strong><span>A. Shareholder &amp; Financial:</span></strong></p><br><p><span>- Assist to design a fraud risk assessment strategy of QNB Group that takes into consideration all business segments, customer categories and locations.</span></p><br><p><span>- Assess the fraud risk exposure periodically to identify specific potential schemes and events that the business needs to mitigate</span></p><br><p><span>- Test, based on the fraud control matrix the different procedures, key control indicators and key risk factor the efficiency and adequacy of the fraud control tools and procedures. </span></p><br><p><span>- Assist in designing prevention techniques to avoid potential key fraud risk events to mitigate possible impacts on the Group.</span></p><br><p><span>- Assist in implementing detection techniques to uncover fraud events when preventive measures fail or unmitigated risks are realized.</span></p><br><p><span>- Periodically monitor the performance of the fraud rules and take proper actions to enhance the monitoring efficiency.</span></p><br><p><span>- Assist in performing needs analysis to enhance the fraud monitoring system and to widen the scope of the </span></p><br><p><span>coverage to cover more channels, products and fields.</span></p><br><p><span>- Ensure proper management of fraud rules and revise as necessary.</span></p><br><p><span>- Suggests new testing and monitoring techniques covering the fraud risk </span></p><br><p><span>- Responsible for the identifying awareness topics priorities to executive management linked to the Fraud Control.</span></p><br><p><span>- Establish the priorities within the annual plan of the anti-fraud for the areas that require most focus using a risk-based approach</span></p><br><p><span>- Participate in design detection techniques to uncover fraud events when preventive measures fail or unmitigated risks are realized.</span></p><br><p><span>- Responsible for the awareness to executive management linked to the Fraud Control.</span></p><br><p><span>- Implements KPI’s and best practices for Senior Manager, Fraud Assurance and Strategy.</span></p><br><p><span>- Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.</span></p><br><p><span>- Act within the limits of the powers delegated to the incumbent.</span></p><br><p><span>- Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</span></p><br><p><strong><span>B. Customer (Internal &amp; External):</span></strong></p><br><p><span>- Liaise with Group divisions, departments, zone and branch management and other entities in identifying and confirming suspicious behavior and attempted fraud activity, thereby contributing to the Group’s goal of reducing and preventing losses incurred to the customer. </span></p><br><p><span>- Build and maintain strong and effective relationships with all related departments and units to achieve the Group’s goals and objectives.</span></p><br><p><span>- Liaise with Information Security personnel on issues pertaining to enhancements in, and problem-resolution of the Enterprise Fraud Management system</span></p><br><p><span>- Ensure adequate coverage of the Group’s operations/ activities to avoid being subject to any fines/ losses.</span></p><br><p><span>- Assist in providing ongoing advisory services and guidance on all fraud related matters to subsidiaries.</span></p><br><p><span>- Ensure proper communication and coordination with relevant departments and third-party vendors for fraud related projects.</span></p><br><p><span>- Provide timely and accurate information to internal / external auditors and external regulators (for the issues falling under his responsibility) as and when required to resolve the queries/ respond to issues raised by them:</span></p><br><p><span> Qatari Law</span></p><br><p><span> QCB Instructions</span></p><br><p><span> Professional Bodies and Associations recommendations </span></p><br><p><span> All relevant rules and regulations applicable to the overseas branches and subsidiaries.</span></p><br><p><span> Best Practices including UK Fraud Act, UK: The Fraud Review Report, UK Bribery Act, US SarbanesOxley Act, US FCPA, etc.</span></p><br><p><span>- To assist customers in all their queries on Bank’s product and seek solution to their requests.</span></p><br><p><span>- Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</span></p><br><p><span>- Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives.</span></p><br><p><span>- Provide timely/accurate data to External / Internal Auditors, Compliance, Financial Control and Risk when required.</span></p><br><p><strong><span>C. Internal (Process, Products, Regulatory)</span></strong></p><br><p><span>- Support the QNB Group Management to reduce the likelihood of a negative risk event by respecting and maintaining the fraud control infrastructure that sets the control consciousness of the Department.</span></p><br><p><span>- Provide analysis on the performance of parameters to support management in ensuring the appropriateness of rules in response to emerging or previously undetected suspicious and fraudulent behavior, recommending changes or enhancements where necessary.</span></p><br><p><span>- Ensure that an appropriate fraud deterrence framework is in place to protect the group from any risk event.</span></p><br><p><span>- Establish, initiate and be the custodian of all the Group policies dedicated to prevent and detect fraud activities.</span></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in providing Compliance Anti-Fraud services / advice to all the business lines.</span></p><br><p><span>- Advise on the implementation of fraud risk management and control practices within the organization.</span></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in the development of the compliance plan and the Compliance and policies manuals for approval by the Group Board Audit &amp; Compliance Committee.</span></p><br><p><span>- Identify on timely basis, the regulatory changes (locally / International) that impact the Group’s compliance risk to enable timely update of the referenced charter, plan and policy manuals.</span></p><br><p><span>- Report on a regular basis to the Vice President of Anti-Fraud Assurance and Strategy regarding noncompliance risks, identified frauds and corrective action taken pertaining to the Group’s activities, for onward reporting to the Group Board Audit &amp; Compliance Committee and Group Management Risk Committee.</span></p><br><p><span>- Forward all fraud suspicious incidents to the fraud investigations team for appropriate investigations.</span></p><br><p><span>- Maintain a track of all the fraud suspicious cases and follow up on the conclusions provided by the investigations team.</span></p><br><p><span>- Assist in preparing the Anti-Fraud training programs provided by Group Compliance and ensure there are continuously updated and in line with all the new applicable laws, regulations and best practices</span></p><br><p><span>- Take necessary actions to ensure all the new issued policies and procedures (when applicable) are embedded with appropriate key controls for fraud prevention and detection.</span></p><br><p><span>- Provide real-time ad hoc corrective actions and compliance advisory oversight for all business lines.</span></p><br><p><span>- Participate in issuing the studies, manuals on the new regulations, international standards, etc.</span></p><br><p><span>- Liaise with Group Human Capital to ensure the existence of appropriate awareness amongst personnel employed in the different entities on Fraud Control matters through provision of training courses, holding of seminars, etc.</span></p><br><p><span>- Perform fraud awareness studies on all the subjects and new regulations that directly impact the business and the bank activities and communicate the emerging issues along with the potential Fraud risks.</span></p><br><p><span>- React upon any risky events, news and developments that may impact business operations and management decisions;</span></p><br><p><span>- Maintain an updated inventory of suspected risk events, their status, impact and actions taken.</span></p><br><p><span>- Participate in establishing appropriate “Anti-Fraud” and anti-bribery culture within the Group.</span></p><br><p><span>- Participate in the enhancement and update of the fraud risk assessments on a regular basis.</span></p><br><p><span>- Maintain a feedback process to permanently readjust to the Fraud Risk Assessment strategy</span></p><br><p><span>- Defining and documenting mitigating controls and linking them to identified fraud risks.</span></p><br><p><span>- Suggest amendments to the existing controls, designing and implementing new preventive and detective controls as necessary, and implementing supporting technologies.</span></p><br><p><span>- Promoting the importance of the fraud risk management program and the organization’s position on fraud risk both internally and externally through corporate communications programs. </span></p><br><p><span>- Participate in designing and delivering fraud awareness training.</span></p><br><p><span>- Providing periodic evaluation of anti-fraud controls.</span></p><br><p><span>- Using independent evaluations of the fraud risk management program. </span></p><br><p><span>- Implementing technology to aid in continuous monitoring and detection activities.</span></p><br><p><strong><span>D. Learning &amp; Knowledge:</span></strong></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in facilitating an organizational Compliance Culture throughout the Group which reflects a commitment to compliance with the related laws and regulations.</span></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in the creation and management of the Compliance monitoring program and Compliance action tracker roadmap to ensure that a compliance culture is embedded within all aspects of the business.</span></p><br><p><span>- Ensure on-going development and implementation of the Group’s Code of Conduct and Compliance awareness.</span></p><br><p><span>- Assist in preparing the yearly training program to cover QNB Group Staff members;</span></p><br><p><span>- Assist in establishing new E-channels to build the awareness and knowledge among the Group staff members.</span></p><br><p><span>- Participate in developing and coordinating in a multifaceted educational and training program and seeks to ensure that all appropriate employees and management are knowledgeable of, and comply with, applicable laws and regulations.</span></p><br><p><span>- Liaise with Training Department on Fraud matters through provision of training courses, seminars, etc.</span></p><br><p><span>- Proactively identify areas for professional development of self and undertake development activities.</span></p><br><p><span>- Seek out opportunities to remain current with all developments in professional field.</span></p><br><p><span>- Hold meetings with staff and assess their performance and your team's overall performance on a regular basis.</span></p><br><p><span>- Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</span></p><br><p><strong><span>E. Legal, Regulatory, and Risk Framework Responsibilities:</span></strong></p><br><p><span>- Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).</span></p><br><p><span>- Understand and effectively perform your role under the Three Lines of Defense principle to identify measure, monitor, manage and report risks.</span></p><br><p><span>- Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</span></p><br><p><span>- Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</span></p><br><p><span>- Maintain appropriate knowledge to ensure full qualification to undertake the role.</span></p><br><p><span>- Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</span></p><br><p><span>- Attend mandatory (internal and external) seminars as instructed by the Bank.</span></p><br> <br> <br><br> Education/Experience Requirements: <br> <p><span>- Bachelor's degree with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration, Business Information Systems or Information Technology (related field of study) with professional qualifications such as CFE / CIA / CRMA / CAMS / CICA. </span></p><br><p><span>- A minimum of 8 years’ experience in a major banking institution or in a consultancy firm, out of which 4 years should be in Compliance or in Internal Audit.</span></p><br> <br> <br> </div>