Qureos Mentor

DOHA BANK

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The Market Risk Analyst will assist in implementing leading market risk practices for Doha Bank, and contribute towards methods to enhance risk measurement and mitigation. The incumbent will assist in hedging market risks resulting from changes in market prices and market parameters such as profit rates, exchange rates, volatilities and share prices. The job holder will assist in ascertaining market variables and will perform regulatory risks assignments in accordance with ICAAP and Basel II requirements, and assess the Bank&rsquo;s rating vis-&agrave;-vis other players in the market.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Assist in implementing sound market practices for the Bank for measuring, monitoring and controlling market risks, in compliance with industry best practices, approved risk policies and procedures, and respective regulators (viz. Qatar Central Bank as well as other regulators in the overseas jurisdictions).
 </li>
 <li>
 Assist in the implementation of the Bank&rsquo;s Market Risk Policy with exposure limits for capital usage and risk exposure of the Bank and assist in translating the same to individual business lines.
 </li>
 <li>
 Consolidate portfolio management data/ other MIS information received from the other market risk sub-functions responsible for Asset Liability Management (ALM) and sensitivity analysis.
 </li>
 <li>
 Assist in producing adequate and accurate reports pertaining to market risk and disseminating the same to the concerned business units/ senior management for their consideration/ corrective action.
 </li>
 <li>
 Formulate risk profiles, representative of the true risks undertaken by the business and ensure it is consistent with market movements.
 </li>
 <li>
 Ensure that all risk approvals meet overall policy guidelines and QCB regulations, specifying the terms and conditions to mitigate the market risks borne/ faced by the Bank.
 </li>
 <li>
 Assist the Senior Market Risk Analyst during UAT and regression testing for the stress tests, and in monitoring/reporting on the limits.
 </li>
 <li>
 Assist in preparing analytic reports for the senior management, generated in the requested format or, in the absence of a suggestion, in a format that will be most useful to the purpose.
 </li>
 <li>
 Contribute towards the continual development, promotion and maintenance of common methodologies for identifying and assessing risks, and determine the adequacy and cost effectiveness of risk treatments applied within Doha Bank.
 </li>
 <li>
 Understand and support in implementing ICAAP, Basel III and QCB guidelines on account of liquidity risks, including market risk capital adequacy computations for QCB reporting with respect to Basel II/III calculations and other activities pertaining to the same.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 :
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in related discipline will be an added advantage.
 </li>
 <li>
 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in market risk.
 </li>
 </ul>
 
 
 
 
 
 Certifications
 
 
 
 
 
 <ul>
 <li>
 Professional certification/ qualification such as PRM or FRM or CFA or ICFA would be desirable
 </li>
 <li>
 QFSQF Level 3
 </li>
 </ul>
 
 
</div>

Market Risk Analyst

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The incumbent will be charged with the responsibility of serving as the primary point of contact for the assigned portfolio of the Real Estate sector clients. The jobholder will work with existing clients to help them make the right decisions regarding their accounts and guide on the financial services and credit solutions on offer to them. The incumbent will also be responsible for identification of possible credit sales opportunities and generate new business for Doha Bank in terms of the sector. The incumbent will review credit applications and provide recommendations to the senior management on lending viability.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Contribute towards and assist in implementation of the Real Estate sector section strategy.
 </li>
 <li>
 Support the team in the implementation of the strategy, annual business plans, budgets, policies and procedures of the Real Estate section.
 </li>
 <li>
 Originate, maintain and develop relationships with the clients to expand Real Estate Sector credit portfolio.
 </li>
 <li>
 Promote the Bank&rsquo;s cash management, working capital, trade finance, payments, collections and other commercial products and services to realize growth objectives.
 </li>
 <li>
 Enhance profitability of the section through sales of financial solutions to the Real Estate Sector entities, including but not limited to cash management, working capital, trade finance, payments, collections and other commercial services.
 </li>
 <li>
 Coordinate with various Department/Section Heads within the Wholesale Banking function, to consolidate cross sales efforts.
 </li>
 <li>
 Work independently with the assigned clients to understand their business needs and associated banking needs.
 </li>
 <li>
 Follow and utilize the Real Estate Sector section credit processing systems and systems modules and stay aligned to the strategic objectives and mission of Doha Bank.
 </li>
 <li>
 Manage daily account-related banking activities of the Real Estate Sector clients comprising the respective portfolio and provide directions and instructions to ARMs/Credit Analysts in this regard.
 </li>
 <li>
 Review the banking transactions of portfolio customers on a daily/ weekly basis to ensure smooth running of their needs.
 </li>
 <li>
 Promote appropriate Doha Bank products and receive mandate from clients to implement those products, including the coordination of core product pricing.
 </li>
 <li>
 Coordinate with the Corporate Branch employees to ensure the smooth running of the Real Estate Sector clients&rsquo; banking needs and transactions.
 </li>
 <li>
 Research the latest products and regulations pertaining to Real Estate Sector trends.
 </li>
 <li>
 Continuously monitor financial standing of the Real Estate Sector clients under the respective portfolio.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 :
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 <li>
 08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in business / relationship management in Real Estate sector, with strong understanding of the local banking industry.
 </li>
 </ul>
 
 
</div>

Relationship Manager – Real Estate

<div>
 
 
 Role Purpose
 
 
 
 Lead the retail banking assets portfolio (Personal Loans, Auto Loans, Mortgages) with full accountability for
 
 product development, end-to-end launches, P&amp;L management, retention strategies, and portfolio optimization
 
 . Drive
 
 digital financing initiatives
 
 to deliver fast, paperless, and customer-centric lending experiences.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 
 End-to-End Product Launches
 
 </li>
 <li>
 Conceptualize, design, and deliver new retail asset products and enhancements.
 </li>
 <li>
 Own business case, pricing, risk alignment, tech build, and go-live execution.
 </li>
 <li>
 Lead
 
 launch campaigns
 
 across digital and physical channels.
 </li>
 <li>
 
 P&amp;L Management
 
 </li>
 <li>
 Full ownership of revenue, yield, cost, and loss rates for retail assets portfolio.
 </li>
 <li>
 Monitor and optimize
 
 loan yield
 
 , NIM, and profitability metrics.
 </li>
 <li>
 
 Portfolio Management &amp; Retention
 
 </li>
 <li>
 Conduct regular
 
 portfolio analytics
 
 : vintages, roll rates, delinquency trends.
 </li>
 <li>
 Implement retention strategies (top-ups, balance transfers, loyalty programs).
 </li>
 <li>
 Drive corrective actions based on data insights.
 </li>
 <li>
 
 Digital Financing
 
 </li>
 <li>
 Build and enhance
 
 digital lending journeys
 
 (eKYC, instant decisioning, STP).
 </li>
 <li>
 Integrate APIs and fintech partnerships for acquisition and servicing.
 </li>
 <li>
 
 Compliance &amp; Risk Alignment
 
 </li>
 <li>
 Ensure adherence to regulatory requirements and credit policies.
 </li>
 <li>
 Collaborate with Risk, Tech, Ops, and Marketing for seamless delivery.
 </li>
 </ul>
 
 
 
 
 
 Mandatory Expectations
 
 
 <ul>
 <li>
 
 10+ years
 
 in retail banking assets (Personal Loans, Auto Loans, Mortgages).
 </li>
 <li>
 
 Proven end-to-end product launch experience
 
 (not just rate changes or rebrands).
 </li>
 <li>
 Strong
 
 P&amp;L ownership
 
 and portfolio management expertise.
 </li>
 <li>
 Experience in
 
 digital lending
 
 and tech-enabled product delivery.
 </li>
 <li>
 Demonstrated ability to
 
 retain customers
 
 and grow portfolio sustainably.
 </li>
 <li>
 Advanced knowledge of
 
 portfolio analytics
 
 (vintage analysis, roll rates, delinquency management).
 </li>
 </ul>
 
 
 
 
 
 Preferred Skills
 
 
 <ul>
 <li>
 Expertise in
 
 digital origination
 
 , instant decisioning, and STP.
 </li>
 <li>
 Strong understanding of
 
 credit risk policies
 
 , scorecards, and regulatory frameworks.
 </li>
 <li>
 Leadership experience managing cross-functional teams.
 </li>
 <li>
 Data-driven decision-making and advanced analytical skills.
 </li>
 </ul>
 
 
 
 
 
 KPIs
 
 
 <ul>
 <li>
 Portfolio growth and yield improvement.
 </li>
 <li>
 Approval rate, TAT reduction, and STP percentage.
 </li>
 <li>
 Delinquency and NPL control.
 </li>
 <li>
 Digital adoption and conversion metrics.
 </li>
 <li>
 Retention and cross-sell performance.
 </li>
 </ul>
</div>

Product Head - Assets

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The
 
 Reporting Analyst
 
 will assist the
 
 Senior Regulatory Reporting Analyst
 
 to ensure compliance of the departments with all of QCB reporting requirements, both at the local and international levels. The incumbent will ensure preparation of periodic QCB regulatory reports, returns and requests to the regulatory authorities, in line with the guidelines, and support coordination efforts with QCB officials/ other regulators /internal stakeholders on matters pertaining to regulatory reporting.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Verify and check daily Trial Balance report (867), and do the necessary action to rectify any difference, and coordinate / follow up w with IT if there is any fraction differences.
 </li>
 <li>
 Prepare daily CRS (Centralized Reporting System Report) and all its related tables, making sure all tables are tallying with the Balance Sheet, making sure to take the necessary action to rectify any difference if any.
 </li>
 <li>
 Prepare Financial ratios are accurate and tallying with daily CRS and submitted on time.
 </li>
 <li>
 Prepare LDR (loan To Deposit Ratio) for H.O and foreign Branches are accurate and submitted on time.
 </li>
 <li>
 Prepare daily credit ratio violation making sure data is accurate and penalties updated based on QCB guidelines.
 </li>
 <li>
 Prepare weekly Maturity Ladder report, making sure all source data files updated correctly and to coordinate with I.T and Treasury Back Office departments to get all related data, making sure all data submitted is tallying with CRS.
 </li>
 <li>
 Prepare weekly LCR report (Liquidity Coverage Ratio), making sure all source data files updated correctly and to coordinate with Financial Risk Department to get all related data, making sure all data submitted is tallying with CRS.
 </li>
 <li>
 Prepare monthly Investments &amp; Loans outside Qatar; by coordinating with Treasury Back Office department, making sure all data is tallying with NBS (New Monthly Balance Sheet) before submitting to QCB.
 </li>
 <li>
 Prepare monthly Credit Facilities Public sector report and make sure its tallying with NBS before submitting to Credit department.
 </li>
 <li>
 Prepare the unutilized facility report on daily and weekly basis, for H.O making sure it&rsquo;s tallying with CRS.
 </li>
 <li>
 Prepare foreign Currency balance sheet for local branches and foreign branches making sure it&rsquo;s tallying with consolidated NBS before submitting to QCB on a monthly basis, if assigned.
 </li>
 <li>
 Liaise with the respective departments to source and submit daily customer&rsquo;s deposits in line with the QCB guidelines within the timeframe prescribed, if assigned.
 </li>
 <li>
 Prepare daily Cash in safe, ATM, and making sure it is tallying with report 867 consolidated daily balance sheet before submitting to QCB.
 </li>
 <li>
 Prepare daily NPL (Non-Performing loans category) customer wise and coordinate with concern department/branches if there is any mistakes for Head office and foreign branches.
 </li>
 <li>
 Prepare daily Customer Deposits and Customer Facilities reports and make sure its tallying with consolidated daily Balance sheet report (867).
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 :
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 <li>
 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in regulatory reporting in banking industry.
 </li>
 </ul>
 
 
 
 
 
 Certifications
 
 
 
 
 
 <ul>
 <li>
 CPA / CMA / ACCA or equivalent qualifications would be useful
 </li>
 </ul>
</div>

Reporting Analyst

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The incumbent will be charged with the responsibility of serving as the primary point of contact for the assigned portfolio of the Services sector clients. The jobholder will work with existing clients to help them make the right decisions regarding their accounts and guide on the financial services and credit solutions on offer to them. The incumbent will also be responsible for identification of possible credit sales opportunities and generate new business for Doha Bank in terms of the sector. The incumbent will review credit applications and provide recommendations to the senior management on lending viability.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Contribute towards and assist in implementation of the Services sector section strategy.
 </li>
 <li>
 Support the team in the implementation of the strategy, annual business plans, budgets, policies and procedures of the Services sector.
 </li>
 <li>
 Originate, maintain and develop relationships with the clients to expand the Services sector credit portfolio.
 </li>
 <li>
 Promote the Bank&rsquo;s cash management, working capital, trade finance, payments, collections and other products and services to realize growth objectives.
 </li>
 <li>
 Enhance profitability of the section through sales of financial solutions to the Services sector entities, including but not limited to cash management, working capital, trade finance, payments, collections and other services.
 </li>
 <li>
 Coordinate with various Department/Section Heads within the Wholesale Banking function, to consolidate cross sales efforts.
 </li>
 <li>
 Work independently with the assigned clients to understand their business needs and associated banking needs.
 </li>
 <li>
 Receive and review credit applications from new or existing Services sector clients.
 </li>
 <li>
 Review Internal Credit Rating and RAROC for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
 </li>
 <li>
 Conduct feasibility studies and sector outlook studies in order to provide better recommendations regarding credit applications.
 </li>
 <li>
 Work closely with the ARMs/ Credit Analysts to examine the credit applications, including financial statements and translate the financial soundness of these clients onto credit assessments before providing credit recommendations to the Credit Committee.
 </li>
 <li>
 Responsible for service and account management needs of designated Services sector clients of Doha Bank.
 </li>
 <li>
 Follow and utilize the Services sector credit processing systems and systems modules and stay aligned to the strategic objectives and mission of Doha Bank.
 </li>
 <li>
 Manage daily account-related banking activities of the Services sector clients comprising the respective portfolio and provide directions and instructions to ARMs/Credit Analysts in this regard.
 </li>
 </ul>
 
 
 
 
 
 Educational Qualifications:
 
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in management any other related discipline will be an added advantage.
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 
 
 
 <ul>
 <li>
 08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in business / relationship management in Corporate and commercial banking sector, with strong understanding of the local banking industry.
 </li>
 </ul>
 
 
</div>

Relationship Manager – Services Sector