Retail Jobs in Qatar

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

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

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

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

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

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

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

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

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

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 International Retail and AVP International Retail Country Liaison in delivering the Strategy/Plans by acting as the focal point for the designated country. The incumbent will pro-actively manage the relationships with the Retail Head of the designated country and provide support in a timely and efficient manner. The incumbent will facilitate resolution of pending problems, and act as enabler for new requirements by working closely with the Group Retail Businesses and Group Support Divisions. The incumbent will track and provide performance updates to SVP International Retail and the AVP International Country Liaison relating to the Business Plans / KPIs of the designated country.<br><br>Essential Duties & Responsibilities By Dimensions<br><br> Shareholder & Financial: Proactively assist in the implementation of the strategies, products and services, systems, marketing communications and plans to achieve all volume, revenue, and profit targets for the designated country within the Asia, Europe, Africa, Middle East cluster in coordination with the SVP International Retail and AVP International Retail Country Liaison. Proactively support in meeting target budgets for the designated country within the Asia, Europe, Africa, Middle East cluster in coordination with the SVP International Retail and AVP International Retail Country Liaison (Cluster). with Group Retail’s overall strategy and in coordination with SVP International Retail and AVP International Retail Country Liaison. 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. Implements KPI’s and best practices for Senior Associate International Retail Country Liaison Customer (Internal & External): Coordinate and liaise activities with Group Retail Businesses and Group Support to provide support to the designated country within the Asia, Europe, Africa, Middle East cluster in coordination with the SVP International Retail and AVP International Retail Country Liaison Maintain a focal ‘one point of contact’ to the designated country within the Asia, Europe, Africa, Middle East cluster in coordination with SVP International Retail and AVP International Retail Country Liaison. Ensuring timely and efficient support with high level of professionalism and friendly approach to meeting their needs and resolving their queries and value proposition. Build and maintain strong and effective relationship with the all other related functions / units to achieve goals/objectives of the designated country within the Asia, Europe, Africa, Middle East cluster in coordination with the SVP International Retail and AVP International Retail Country Liaison. Manage the development & subsequent implementation and migration of Retail Banking best practices across the designated country within the Asia, Europe, Africa, Middle East cluster in coordination with SVP International Retail and AVP International Retail Country Liaison. 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): Monitor the SLA, TAT performance between the designated country within the Asia, Europe, Africa, Middle East cluster and the Group Retail Businesses & Group Support Units to ensure effectiveness of the Hub & Spoke model. Ability to review the Management and Business Information reports to appraise on the performance of the designated country in coordination with the SVP International Retail and AVP International Retail Country Liaison. Learning & Knowledge: Ability to Possess good understanding of the Group Retail Bank’s Strategy, Business Plans and KPIs with a good knowledge of the business and needs of the designated countries. Proactively identify areas for professional development of self and undertake development activities.<br><br>Education And Experience Requirements<br><br> Bachelor degree University graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study), At least 2 years of relevant experience, preferably within a highly rated international bank.<br><br>Note: you will be required to attach the following:<br><br>Resume/CVPassport QIDEducation Certificate Birth Certificate

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

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

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

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

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

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Company Description<br><p>Talabat is part of the Delivery Hero Group, the world’s pioneering local delivery platform, our mission is to deliver an amazing experience—fast, easy, and to your door. We operate in around 65 countries worldwide. Headquartered in Berlin, Germany. Delivery Hero has been listed on the Frankfurt Stock Exchange since 2017 and is part of the MDAX stock market index.</p><br><br>Job Description<br><p>As Manager, Retail Media Ads Growth, you will be part of the Retail Media Growth team reporting to the Sr. Manager, Retail Media Growth. You will own a portfolio of accounts across MENA, driving ad sales, expanding advertiser relationships, and unlocking revenue from long-tail and local market accounts.</p><br><p>This is a hands-on, high-impact role for someone with an Ads Tech or digital advertising background, who thrives on meeting ambitious targets and building strong advertiser partnerships.<br> <br> &nbsp;</p><br><p><strong>What’s On Your Plate?</strong></p><br><ul><li><p><em>Own a portfolio of accounts, including both major advertisers and long-tail clients across local markets.</em></p><br></li><li><p><em>Drive sales growth by identifying opportunities, pitching retail media solutions, and executing campaigns end-to-end.</em></p><br></li><li><p><em>Build strong relationships with CPG brands, agencies, and suppliers, acting as their trusted retail media advisor.</em></p><br></li><li><p><em>Collaborate with the broader Growth team, Product, and Marketing to develop tailored ad solutions and maximize client ROI.</em></p><br></li><li><p><em>Execute Go To Market strategies at the account level, including campaign planning, targeting, and reporting.</em></p><br></li><li><p><em>Track account performance, identify growth opportunities, and provide actionable insights to internal stakeholders.</em></p><br></li><li><p><em>JD Leverage ad tech knowledge to recommend the right solutions and optimize campaigns for scale and performance.</em></p><br></li><li><p><em>Support strategic initiatives such as seasonal campaigns, category growth plays, and regional expansion.</em><br> <br> &nbsp;</p><br></li></ul><p><strong>What Did We Order?</strong></p><br><ul><li><p><em>4–6 years of experience in ads tech, retail media, digital advertising, or account management.</em></p><br></li><li><p><em>Proven track record of meeting or exceeding sales targets in digital advertising or retail media.</em></p><br></li><li><p><em>Strong understanding of ad tech platforms or retail media ecosystems.</em></p><br></li><li><p><em>Excellent relationship-building and communication skills, with the ability to influence clients and internal teams.</em></p><br></li><li><p><em>Highly organized and capable of managing multiple accounts and campaigns simultaneously.</em></p><br></li><li><p><em>Data-driven mindset with experience using analytics to optimize campaigns and identify growth opportunities.</em></p><br></li><li><p><em>Creative, solution-oriented, and comfortable working in a fast-paced, high-growth environment.</em></p><br></li><li><p><em>Self-starter who can proactively identify opportunities and take ownership of account growth.</em></p><br></li></ul><br><br> </div>

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

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

<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>

About UsMinimalist.ae is a local brand founded in 2016 in Dubai that designs and manufactures elegant, high-quality watches, jewelry, handbags, perfumes, and leather goods designed to enhance personal style. With four stores now open in the UAE and now expanding to Qatar. Minimalist focuses on simple yet sophisticated designs, with specifically our Arabic numeral watches being known for their timeless appeal. Minimalist believes in simplicity and use only the finest materials to produce beautiful and durable items, combining elegant design with excellent quality.<br>The Role As Retail Sales Executive, you will be in direct touch with our customers on a daily basis across our stores. We don’t sell - we forge relationships. You will get to know our customers’ demands in detail in order to showcase the product(s) that will most closely fit to what they’re looking for. Every person that comes to visit our store is important to you, regardless of whether they’re on a spending spree or just window-shopping. <br>Responsibilities Welcome and engage customers, providing detailed product information and building rapport with the customers. Actively approach and assist customers, answer questions, understand their needs and recommend products tailored to their preferences, and convince customers to finalize a purchase. Address customer queries and resolve issues promptly and professionally. Increase sales through explaining promotions, special offers, discounts, and other sales tools that the business is utilizing. Independently keep track of sales records, coordinate with respective departments, and optimize performance. Uphold the brand’s standards of excellence in every customer interaction.<br>Requirements:As an ideal candidate, you will have:A minimum of 2 years of relevant experience in customer-facing sales roles within Qatar in luxury, watches, or jewelry. Ideally a relevant academic degree in Marketing, Business Administration, Psychology, or similar. Ideally relevant certification in sales management from accredited providers. Outstanding communication skills in English. Outstanding communication skills in Arabic.<br>What we offer Competitive salary with performance-based incentives. Visa and permits. Health insurance. Annual flight ticket allowances. Growth and long-term development opportunities. Long-term perspective in a rapidly expanding, future-oriented organization. An engaging and challenging work environment with a motivated & professional team of specialists.