Qureos Mentor

EMKAN | إمكان

<div>
 
 
 JOB PURPOSE:
 
 
 
 Lead team of quality officers to conduct quality control activities according to predefined standards
 
 
 Apply total quality management tools and approaches to analytical and reporting processes
 
 
 Conducts regular quality induction and awareness sessions in order to educate new and old staff on basics of quality guidelines, rules and procedures.
 
 
 Follow-up implementation vision in &ldquo;Quality assurance&rdquo; &rdquo;unit is to assure that the services, the behaviours and the environment are within minimum standard of Emkan Finance.
 
 
 
 
 
 
 KEY ACCOUNTABILITIES:
 
 
 <ul>
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 Manage Quality assurance to achieve per-designed targets.
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 Set the targets for his teams that will improve the quality of service and keep customer satisfaction to highest level.
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 Promote teamwork and contribute effectively to the achievement of team morale and business goals.
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 Coordinate team activities so that work is completed effectively, efficiently and to the required standards
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 Evaluate the performance of team members and provide constructive feedback for performance improvement where required. Apply the company&rsquo;s policies in affair and transparent manner.
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 Increase the productivity of his team.
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 Formulate, document and maintain quality assurance standards and on-going quality control objectives
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 Coordinating with stakeholders, providing them with reports and continuing to improve the quality of the customer experience
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 Leading collaboration across levels and stakeholders to champion awareness, understanding, and utilization of customer feedback to improve the customer experience.
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 Provide analysis for operation long and short term targets.
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 Set action plans to achieve these targets.
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 Develop and improve the Quality assurance process to meet customers&rsquo; expectations.
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 Follow low performance measurement indicators that affect customer experience and make recommendations.
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 Perform data analysis and build reporting by using data visualization tools, intermediate to sophisticated spreadsheet functions.
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 </ul>
 
 
 
 
 
 Qualifications and experience:
 
 
 <ul>
 <li>
 Bachelor Degree in Business Administration or any relevant major
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 5+ years of experience in Customer Care, with a large portion in QA management.
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 Hands-on experience in the customer service space, CC quality assurance.
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 Integrity
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 Strong English
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 Quality management skills
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 Teamwork
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 Obtaining quality certificate )COPC- Six Sigma..(
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 Results orientation
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 Microsoft Office Skills
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 People Management
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 </ul>
 
 
</div>

Quality Manager

<div>
 
 
 2. JOB PURPOSE
 
 
 
 Identification and management of risks associated with the entire company. Development and implementation of a comprehensive and effective risk management framework that meets established internal standards, aligns with industry best practice and Emkan&rsquo;s risk profile. Supports ERM strategy implementation through development of policy, statistical models, monitoring and forecasting credit portfolio risk.
 
 
 
 
 
 3. KEY ACCOUNTABILITIES
 
 
 Managerial Accountabilities
 
 (Common according to the managerial level)
 
 
 
 Functional Accountabilities
 
 (Job Specific)
 
 
 
 Policy Management
 
 <ul>
 <li>
 Develop ERM policies &amp; framework for the company which includes but not limited to Risk Appetite, Market, Liquidity risk, Term cost risk related policies.
 </li>
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 Work closely with product development, IT and sales teams to review new products, methodologies, channels, and strategies to meet customer needs, maximize profitability, and minimize enterprise risk
 </li>
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 Review lending programs &amp; processes on regular basis to ensure they are updated and in line with market&rsquo;s best practices.
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 </ul>
 
 Model Management
 
 <ul>
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 Must be familiar with Scorecards development and monitoring techniques including Application &amp; Behavioural scorecards.
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 Fully aware of Models&rsquo; validations and calibration techniques
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 Have full knowledge of IFRS9 modelling techniques and implementation strategies.
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 </ul>
 
 Risk Appetite
 
 <ul>
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 Develop Risk Appetite Statement, where the parameters for thresholds or tolerances shall be incorporated to articulate the Company&rsquo;s Risk Appetite.
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 Able to establish a clear relationship between the Company&rsquo;s risk appetite and its objectives derived from the business strategy, as well as the Risk Strategy of the Company.
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 </ul>
 
 Regulatory environment awareness
 
 
 Must be familiar with SAMA regulations especially rules pertaining to ERM.
 
 <ul>
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 Thorough working knowledge of the Risk systems monitoring and its related procedures for analyzing the account behaviour of clients, identifying trends and shifts in risk profiles.
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 Thorough understanding of lending products and facilities that give rise to counter party risk.
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 Has knowledge of Regulatory requirements in the area of ERM
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 Capable of implementing best approaches for Risk Management i.e., Risk Identification, Risk Assessment, Risk Response, Risk Monitoring and Risk Reporting.
 </li>
 </ul>
 
 Portfolio Management
 
 <ul>
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 Perform portfolio analysis from ERM aspects
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 Review any portfolio related report upon the top management request to have an idea on the portfolio performance.
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 Arrange and develop the Monthly Progress Report (MPR) data as well as the Power Point slides and share it with Group Risk department on a monthly basis.
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 </ul>
 
 Financials
 
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 Coordinate with the Finance department for the ERM related requirements.
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 Review SAMA reports and related material.
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 </ul>
 
 Operational Excellence
 
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 Ensure the development of monthly MIS and management reporting
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 Review and ensure the submission of monthly/quarterly SAMA ERM report, if any.
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 </ul>
 
 Technology
 
 <ul>
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 Attending the vendors meetings for the new system to assure the implementation accuracy and all risk comments are being covered appropriately.
 </li>
 </ul>
 
 People Management
 
 <ul>
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 Maintain staff efficient productivity.
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 Make sure staff get their training courses annually.
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 </ul>
 
 
 
 
 
 
 
 4. Qualifications and experience
 
 
 
 Qualifications
 
 
 
 Minimum Bachelor's degree from a reputed university. Qualification from a specialized institution will be considered as an additional asset.
 
 
 
 Experience
 
 
 
 Minimum 10 years with 5+ years of relevant work experience.
 
 
 
 Knowledge and Skills
 
 
 
 Understanding of lending strategies and business models, especially Personal finance, Auto lease, Credit Cards and SME.
 
 
 Knowledge of credit assessment, credit policy, underwriting, risk management, liquidity risk, Market risk and portfolio management tools and processes including ECL, scoring models and profitability models
 
 
 Experience in focus on quality growth and member service while maintaining an appropriate risk/return balance
 
 
 Exhibits excellent analytical, multi-tasking, and time management skills.
 
 
 Ability to lead and motivate cross-functional, interdisciplinary teams to achieve tactical and strategic goals
 
 
 Ability to professionally handle confidential matters.
 
 
 High degree of initiative, dependability, and ability to work under minimal supervision
 
 
 
 
 
 
 
 
 5. Competencies
 
 
 
 Behavioural Competencies
 
 
 
 
 Ensures Accountability
 
 . Holding self and others accountable to meet commitments
 
 
 
 Communicates Effectively
 
 . Developing and delivering multi-mode communications that convey a clear understanding of the unique needs of different audiences.
 
 
 
 Customer Focus:
 
 Building strong customer (citizen) relationships and delivering &lsquo;customer-centric&rsquo; solutions.
 
 
 
 Action Oriented:
 
 Taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
 
 
 
 Plans and Aligns:
 
 . Planning and prioritizing work to meet commitments aligned with organizational goals.
 
 
 
 Collaborates
 
 . Building partnerships and working collaboratively with others to meet shared objectives.
 
 
 
 Instils Trust:
 
 Gaining the confidence and trust of others through honesty, integrity, and authenticity
 
 
 
 Manages Ambiguity:
 
 Operating effectively, even when things are not certain, or the way forward is not clear
 
 
 
 
 
 
 
 
 6. Key Internal and External Stakeholders
 
 (The most significant internal and external contacts, other than with the direct supervisor and subordinates.
 
 
 
 
 Internal
 
 
 (Other business units)
 
 
 
 
 External
 
 
 (Suppliers, Customers, Service Providers etc.)
 
 
 
 All departments, Risk Committees, Management Committees &amp; Board.
 
 
 SAMA, Vendors, Group companies &amp; service providers.
 
</div>

Enterprise Risk Senior Manager

<div>
 
 Job Brief:
 
 
 To identify and manage credit risks. To develop and implement of a comprehensive and effective credit risk management framework that meets established internal standards, aligns with industry best practice and Ekman&rsquo;s risk profile. To support credit strategy implementation through development of policy, monitoring and forecasting credit portfolio risk.
 
 
 Job Responsibilities:
 
 <ul>
 <li>
 Develop the annual business plans for the department ensuring alignment to the function&rsquo;s strategic plan.
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 Contribute to the formulation and implementation of the strategy in line with EMKAN&rsquo;s vision, mission and Business Focus Areas.
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 Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.
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 Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.
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 Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN&rsquo;s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.
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 Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.
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 Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
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 Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
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 Recommend an optimum organization structure for the Credit Risk in coordination with the Human Resource Department, to ensure efficient and effective workflow of operational processes and optimal utilization of resources.
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 Collaborate with Human Resource department in development of business unit&rsquo;s manpower plan to ensure timely and best-of-class delivery of tasks.
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 Prepare and recommend the department&rsquo;s budget in alignment to the respective annual business plan.
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 Oversee costs and activities are monitored on a regular basis highlighting any relevant opportunities and issues, to facilitate appropriate decision-making in line with changing priorities.
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 Manage the implementation and contribute towards the development of Credit Risk policies, systems, processes, procedures and controls covering all areas of the function so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service in a consistent manner.
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 Manage the continuous improvement of existing policies, processes and procedures to drive incremental benefits through efficiencies and better insights and analysis.
 </li>
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 Build high levels of trust and understanding with internal and external stakeholders to promote full compliance with industry regulations and promote broader understanding of EMKAN interests and practices.
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 </ul>
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
 </li>
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 Minimum of 10-12 years of relevant experience in Credit Risk Function.
 </li>
 </ul>
</div>

Credit Risk Senior Manager

<div>
 
 Job Brief:
 
 
 The Application Support Associate Manager is responsible for managing the performance, maintenance, and support of all core business applications across Emkan&rsquo;s ecosystem. The role ensures high availability, efficiency, and continuous improvement of systems used by internal users, customers, and partners. The manager leads a team that provides Level 1&ndash;3 support, coordinates with vendors, and ensures timely resolution of incidents and service requests while maintaining compliance with service-level agreements (SLAs) and regulatory standards.
 
 
 
 
 
 
 
 
 Responsibilities:
 
 <ul>
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 Oversee day-to-day operations and support for all business-critical applications, including digital lending platforms, CRM, ERP, and integrations.
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 Manage incident, problem, and change management processes in alignment with Emkan&rsquo;s Service Delivery Management.
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 Serve as the primary escalation point for application issues affecting end-users and business continuity.
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 Define, monitor, and report on SLAs, KPIs, and service performance metrics.
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 Ensure timely resolution of incidents and service requests through root cause analysis and preventive action.
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 Maintain a knowledge base for common application issues and resolutions.
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 Implement and maintain application performance monitoring tools.
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 Proactively identify and resolve performance bottlenecks.
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 Ensure security, data integrity, and compliance of supported applications.
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 Lead, mentor, and develop a team of application support specialists and analysts.
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 Allocate resources effectively to meet business needs and shift coverage.
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 Promote a culture of customer service, accountability, and continuous improvement.
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 Ensure application support activities comply with internal policies and external regulations (e.g., SAMA, ISO, NCA).
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 Participate in audits, business continuity planning, and disaster recovery testing.
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 Maintain logs, reports, and documentation as per IT governance requirements.
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 Collaborate with cross-functional teams, including development, operations, and security teams.
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 Act as a bridge between technical teams and management to ensure effective communication.
 </li>
 </ul>
 
 
 
 
 
 
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in IT or Business Administration or any related discipline.
 </li>
 <li>
 6 &ndash; 8 years of relevant experience in IT Banking Operations and especially in IT the development and implementation of IT applications.
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 Strong understanding and working knowledge of application development and support for Core banking applications and mainframe environment.
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 Ability to work in a highly dynamic environment with a strong focus on maintaining the uptime of all running applications.
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 Deep understanding of banking applications environment is a must.
 </li>
 </ul>
 
 
</div>

Application Support Associate Manager

Join EMKAN | إمكان and explore 4   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

EMKAN | إمكان

ABOUT_COMPANY

Quality Manager

Enterprise Risk Senior Manager

Credit Risk Senior Manager

Application Support Associate Manager