QNB3793 - Senior Manager, Retail Recovery Control (Qatarization

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.

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.

• Shareholder & Financial:
  
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• Customer (Internal & External):
  
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• Internal (Processes, Products, Regulatory):
  
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• Legal, Regulatory, and Risk Framework Responsibilities:
  
  - Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
  
  - Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.
  
  - Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
  
  - Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.
  
  - Maintain appropriate knowledge to ensure full qualification to undertake the role.
  
  - Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
  
  - Attend mandatory (internal and external) seminars as instructed by the Bank.

• Other:
  
  - Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.
  
  - Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.
  
  - Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.
  
  - All other ad hoc duties/activities related to QNB that management might request from time to time.
  
  - responsible for identifying errant customers, and closely working with Retail Banking Division – Collection…