About QNB

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.

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.

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.

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.

QNB Group has an active community support program and sponsors various social, educational and sporting events.

Job Purpose Summary

The incumbent is responsible for assisting his line manager in developing retail products assigned to him and managing their implementation through the respective sales channels (branches, DSAs). Working to an agreed strategic agenda, the Officer Retail provides support in proposing the mix of resources and channels, and the tactical direction required to achieve time bound volume, revenue and profit targets for the assigned product.

Essential Duties & Responsibilities By Dimensions

• Shareholder & Financial:
• Monitor and evaluate the market opportunity/growth potential, competitor activity, existing capabilities and risk appetite to ensure a sustainable growth rate on the retail product portfolio
• Assess, analyse, define, recommend, implement and monitor market and marketing intelligence in order to meet assigned product strategic objectives
• Review and recommend the margin, pricing, risk and cost management for the assigned retail products
• Monitor set Key Performance Indicators (KPIs) for performance monitoring and quality measurement purposes for the assigned retail product.
• Advise on the targets for branches (i.e. distribution) and direct sales staff in close liaison with the referenced functions and continuously monitor the achievements against the agreed targets.
• Analyze portfolio behavior and trends (including competitor initiatives) to ensure high products penetration ratios, through campaign management techniques (next best action, cross selling, up selling, sales promotions, and conversion of wholesale opportunities) to formulate and implement retention strategies to minimize attrition and thereby help grow the retail product portfolio.
• Implements KPI’s and best practices for Assistant Manager, Retail Assets
• 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):
• Analyse the market for the products assigned to gauge customer preferences and ensure that products launched are in line with customer needs.
• Build and maintain strong and effective relationship with the all other related departments and units to achieve the Department’s goals/ objectives.
• Provide timely and accurate information to the external and internal auditors and the Compliance function, as and when required.
• Build strong and effective business relationship with the bank partners, with support with Corporate Banking for certain companies to support product activities.
• Development of partnerships for provision of loans to customers beyond the threshold of the bank products (real estate brokers, developers, vehicle dealers, key accounts, etc.).
• Analyse the market for the products assigned to gauge customer preferences and ensure that products launched are in line with customer needs.
• 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.
• 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):
• Act as the first point of contact for customers, especially for new customers, answer their queries and provide information about various products and services offered by the Group.
• Perform certain customer related tasks such as posting account opening, customer data maintenance, issue of balance/no liability certificates etc.
• Assist customers in filling out various forms and applications as requested such as opening an account; applying for a loan and an ATM, credit cards and checkbook; standing order instructions etc.
• Coordinate with tellers and branch operations staff on an “as is needed” basis to ensure smooth operations, and timely and friendly service delivery.
• Receive loan applications from customers and prepare the corresponding loan agreements, check dormant accounts, and approve customers’ signatures.
• Should be able to assume teller or branch operations staff responsibilities at peak times, or whenever necessary.
• Refer to Manager, Customer Services for any unresolved queries on transactions handled.
• Monitors the service standards operational in the branches and looks for creative ways to improve service delivery.
• Ensures compliance to internal service quality standards and compliance to audit requirements
• Learning & Knowledge:
• Possess knowledge of retail products and related risks together with a good knowledge of related operations and controls.
• Train all front-end and sales channels viz. branches and DSAs about the features/ characteristics of the products developed/ enhanced to promote product awareness amongst sales staff.
• Proactively identify areas for professional development of self and undertake development activities.
• Seek out opportunities to remain current with all developments in professional field.

Education And Experience Requirements

• 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 4 years of relevant experience, preferably within a highly rated international bank.

Note: you will be required to attach the following:

• Resume/CV
• Passport
• QID
• Education Certificate
• Birth Certificate