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Business Leads Analyst - Credit Redesign Onsite
Job Description & How to Apply Below
Credit Approval & Delegation Frameworks
Multi-Geography Risk Governance
Job Role :
Business Leads Analyst JDs - Credit Redesign
Experience: 7-10 years
Location:
Qatar (Onsite)
Duration: 1 year
Credit & Risk Excellence:
- Business Lead
- Role Purpose
A.Business Lead a.Role Purpose Lead the design and implementation of the bank’s Credit & Risk Excellence agenda, focused on enhancing credit decisioning, optimizing risk-adjusted returns, and strengthening portfolio governance. The role will drive transformation initiatives across credit policies, risk appetite frameworks, approval authorities, and sector/product risk strategies to support sustainable business growth. The incumbent will lead the assessment and redesign of credit processes, embed RAROC (Risk-Adjusted Return on Capital) principles into decision-making, and establish differentiated approval frameworks across sectors, products, and geographies.
- Business Domain & Exposure:
Enterprise Risk Management
Corporate & Institutional Banking
Wholesale Banking
Credit Policy & Governance
Risk Appetite Frameworks
RAROC & Risk-Adjusted Performance Management
Credit Approval & Delegation Frameworks
Portfolio Risk Management
Multi-Geography Risk Governance
Credit Transformation & Operating Model Design
- Key Responsibilities:
- Lead the development and execution of the bank’s Credit & Risk Excellence strategy.
- Drive initiatives to improve credit quality, portfolio performance, and risk-adjusted returns.
- Support alignment of risk frameworks with business growth objectives.
- Review and redesign end-to-end credit processes to improve efficiency, governance, and decision turnaround times.
- Simplify and standardize credit policies while maintaining robust risk controls.
3.Identify opportunities for automation and digitization across the credit lifecycle.
- Develop and embed RAROC-based methodologies into credit decision-making and portfolio management.
- Analyze profitability, capital consumption, and risk-return performance across portfolios. Recommend portfolio optimization actions based on risk-adjusted returns.
- Design and implement sector-specific and product-specific risk appetite frameworks.
- Review and optimize credit approval matrices, delegation authorities, and governance structures.
- Support execution of risk appetite changes across multiple geographies and business segments.
- Ensure consistency between risk appetite, portfolio strategy, and business objectives.
Risk Management:
- Develop differentiated risk strategies by sector, client segment, and product type.
- Identify emerging risks and recommend mitigation strategies.
- Support portfolio concentration and sector exposure management.
- Partner with Business, Credit, Risk, Finance, and Strategy teams.
- Present recommendations and portfolio insights to senior management and governance committees.
- Drive alignment across regional and country stakeholders on risk initiatives.
- Experience & Profile
Experience:
Profile:
- Deep understanding of credit risk management and wholesale banking portfolios.
- Strong expertise in RAROC methodologies, portfolio analytics, and capital optimization.
- Experience designing risk appetite frameworks and approval governance structures.
- Strong analytical and strategic thinking capabilities.
- Excellent stakeholder management and influencing skills.
- Based in Qatar.
- Fluency in Arabic and English is mandatory.
- Strong communication and executive presentation skills.
- Business Analyst:
- Role
Purpose:
The Business Analyst will work closely with Risk, Credit, Finance, and Business teams to enable data-driven decision-making and strengthen risk governance.
- Business Domain & Exposure:
Wholesale & Corporate Banking
Credit Policy & Governance
Risk Appetite Frameworks
RAROC Analysis
Portfolio Analytics
Credit Approval Frameworks
Sector & Product Risk Management
Credit Process Transformation
Multi-Geography Risk Governance
- Key Responsibilities:
Credit Process & Policy Enhancement:
- Document and assess current-state credit processes and approval workflows.
2.Identify opportunities for process simplification, standardization, and automation. - Support development and implementation of credit policy enhancements.
- Support development of RAROC models and performance measurement frameworks.
- Analyze capital…
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