Qureos Mentor

Riyad Bank

<div>
 
 
 Job Purpose / Role:
 
 
 
 
 The job holder will be responsible for managing a portfolio of assigned clients. The position requires strong relationship management and analytical skills.It entails significant interactions with large corporate and multinational organizations, monitoring the quality of the assigned credit portfolio and ensuring all processes are functioning properly in compliance with the Bank&rsquo;s policies and procedures.
 
 
 
 
 The position requires developing detailed client relationship plans, implementing calling programs and achieving annual targets.In addition, the job holder will actively participate in business development activities and in sales leads identification. The position requires team playing abilities, strong client relationship management and analytical skills.
 
 
 
 
 
 
 
 Areas of responsibility:
 
 
 <ul>
 <li>
 Follows all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
 </li>
 <li>
 Follows the day-to-day operations related to own job to ensure continuity of work
 </li>
 <li>
 Builds relationships with large corporates, multinationals, and joint-stock companies that are buyers of financial services through visits to major prospects and existing customers.
 </li>
 <li>
 Develops a thorough understanding of customer&rsquo;s organization, industry and global practices to maintain proximity to the clients and meet their banking needs and expectations.
 </li>
 <li>
 Identifies revenue opportunities to actively sell Corporate Banking products to government customers in order to support the sales targets
 </li>
 <li>
 Maximizes product penetration and cross selling and actively seeks structured finance opportunities in-order to ensure the services required by the organization are delivered in the most effective manner.
 </li>
 <li>
 Develops account plans in a consistent and timely manner in order to swiftly follow-up on identified action items
 </li>
 <li>
 Provides inputs and governmental demand insights to the team for loans which are commercially viable and also meet the required market demand.
 </li>
 <li>
 Prepare and ensure quality and completeness of all CAs before sending it to Credit for CA Review.
 </li>
 <li>
 Collaborates with the Credit Analytics Unit and Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; experience:
 
 
 
 
 Minimum Qualifications:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business with preferably a specialization in Finance or Accounting
 </li>
 </ul>
 
 
 Minimum Experience:
 
 
 <ul>
 <li>
 6-8 years of relevant experience in the corporate banking
 </li>
 </ul>
 
 
 Language:
 
 
 
 English: Advanced
 
</div>

Senior Relationship Manager - Large corporate

<div>
 
 
 JOB PURPOSE / ROLE:
 
 
 
 
 
 <ul>
 <li>
 Develop new products &amp; solutions for Supply Chain Finance (SCF) along with its digital solutions. Enhance product features and functions of SCF products and updating digital channels, processes and procedures accordingly. Staying updated and ahead of market trends in products, and product penetration.
 </li>
 <li>
 Manage performance and assure penetration of the product portfolio across segments in addition to re-engineering and customized to Institutional clients. Measure, improve and report product performance and its process efficiency.
 </li>
 <li>
 Be the first to partner with FinTech's and Institutional SCF programs in KSA and engage in cross-border SCF programs.
 </li>
 </ul>
 
 
 
 
 
 AREAS OF RESPONSIBILITY:
 
 
 
 
 
 <ul>
 <li>
 Contributes to the development of divisional strategy and ensures translation and alignment during the development and monitoring of departmental strategy including objectives, targets and initiatives
 </li>
 <li>
 Recommends improvements to departmental policy and directs the implementation of procedures and controls covering all areas of the Credit Analysis activity so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service to customers
 </li>
 <li>
 Supervises the day-to-day operations of the Credit Analysis department to ensure that work processes are implemented as designed and comply with established policies, processes and procedures
 </li>
 <li>
 Successful product development/enhancements and achieving Product Rollout within targeted time for the assigned products.
 </li>
 <li>
 Manage a team for implementation and onboarding of clients to SCF platform along with providing training to use platform.
 </li>
 </ul>
 
 
 
 
 
 Product Ownership:
 
 
 <ul>
 <li>
 Establish core trade product ownership within Riyad Bank and work towards its targeted performance in all relevant business segments.
 </li>
 <li>
 Ensure alignment between all related internal partners (Trade Ops, CBG Segments, Digital, IT, CCD, Risk, Ops, Compliance, Legal and Branch Network).
 </li>
 <li>
 Maximize product revenue, profitability and market share.
 </li>
 <li>
 Product Programs, Policies, Processes &amp; Procedures:
 </li>
 <li>
 Implement and review relevant departmental policies, processes, standard operating procedures and instructions to ensure that work is carried out in a controlled and consistent manner.
 </li>
 <li>
 Adhere to the Bank&rsquo;s AML/CTF policy, guidelines and all SAMA&rsquo;s regulations relating to account opening, KYC compliance and updating customer records.
 </li>
 <li>
 Product Development and Product Performance
 </li>
 <li>
 Develop and deliver new products &amp; services as well as improve and manage existing products and services.
 </li>
 <li>
 Be responsible for overall Internal approval cycle and rollout of products and services. Prepare Internal Product Approval Forms and complete the process of development till launch.
 </li>
 <li>
 Participate in formulation of product programs and enhancement of new and existing products and solutions in coordination with all internal stakeholders.
 </li>
 <li>
 Prepare and deliver product presentations; handover finalized products to Launch and marketing.
 </li>
 <li>
 Provide input to all relevant product processes; propose new ideas to create new product and enhancements.
 </li>
 <li>
 Create product delivery procedures, participate in devising different pricing &amp; risk mitigation techniques.
 </li>
 <li>
 Constantly enhance and upgrade existing services to meet customer needs and market gaps.
 </li>
 <li>
 To align requirements of products and services offered to stakeholders and maintain relationships with stakeholders.
 </li>
 <li>
 To constantly enhance and introduce new digital capabilities to address changing customer and market requirements and support customer journey.
 </li>
 <li>
 To align with the market research unit researching competitor offerings in order to evaluate potential improvements and/or new product development.
 </li>
 <li>
 Develop and improve existing products and services by reviewing current product characteristics vis-&agrave;-vis competitive position and key performance indicators.
 </li>
 <li>
 Develop product fact sheets, preparation of customer communication and assistance of product transition TAT.
 </li>
 <li>
 Drive all post-implementation reviews by evaluating product performance and post reports generated internally or by other concerned parties.
 </li>
 </ul>
 
 
 
 
 
 Product Awareness
 
 
 <ul>
 <li>
 Maintain, groom and update knowledge to Riyad Bank customer base and internal business teams for SCF product awareness and market updates.
 </li>
 <li>
 Ensure monitoring of targeted rollouts by identifying cross-selling opportunities.
 </li>
 <li>
 Utilize Trade related statistical reports and Delivery Team plan to improve product penetration.
 </li>
 <li>
 Participate in Marketing of SCF products.
 </li>
 <li>
 Stimulates subordinates and contributes to the identification of opportunities for continuous improvement of systems, processes and practices taking into account &lsquo;international best practice&rsquo;, improvement of business processes, cost reduction and productivity improvement.
 </li>
 <li>
 Assesses the impact of introduced changes to people, process and systems and develops relevant communication and awareness initiatives to support the effective implementation of change.
 </li>
 <li>
 Supervises the preparation of timely and accurate reports to meet company and department requirements, policies and standards.
 </li>
 <li>
 Represents the function and actively contributes in various committees/meetings (internal and external) as applicable and per authority levels in order to ensure relevant matters are dealt with in a timely and efficient manner
 </li>
 <li>
 Perform responsibilities as a member in Credit Committees whenever assigned by Credit Division
 </li>
 <li>
 Ensures compliance to all relevant safety, quality and environmental management policies, procedures and controls across the department in order to guarantee employee safety, legislative compliance and a responsible environmental attitude.
 </li>
 </ul>
 
 
 
 
 
 QUALIFICATIONS &amp; EXPERIENCE:
 
 
 
 
 
 
 
 Minimum Qualifications:
 
 
 
 
 
 
 Bachelor&rsquo;s Degree in Business Administration, Information Technology or any related discipline.
 
 
 
 
 
 
 Minimum Experience:
 
 
 
 
 
 <ul>
 <li>
 10-12 years of Banking experience.
 </li>
 <li>
 At least 5 years of hands-on product development / Trade Finance related core experience and 3 Years specific experience in implementing Supply Chain Finance.
 </li>
 <li>
 Holding broad knowledge in Trade Finance and digital platforms. A plus if worked in Trade Finance &amp; Digital banking.
 </li>
 </ul>
 
 
 
 
 
 Language:
 
 
 <ul>
 <li>
 English and Arabic.
 </li>
 </ul>
 
 
</div>

Head of Supply Chain Finance Section

<div>
 
 
 JOB PURPOSE / ROLE:
 
 
 
 
 
 
 To lead the development of products and execution of FI Trade and Structured Trade Finance transactions. The role will manage FI trade and structured trade product development, review transaction documentation, and ensure readiness for execution by trade operations.
 
 
 The job holder will play a key role in managing transactions related to structured trade finance and FI trade for enhancing FI trade flows and revenue while ensuring that all documentation and structures meet regulatory, credit, and operational requirements.
 
 
 The role include maintaining Product Programs and devise procedure for operations for new products and structures.
 
 
 
 
 
 
 AREAS OF RESPONSIBILITY:
 
 
 
 
 
 <ul>
 <li>
 Follows all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
 </li>
 <li>
 Follows the day-to-day operations related to own job to ensure continuity of work
 </li>
 <li>
 Manage FI trade and structured products including all cross-border FI related products like LC confirmations, discounting, UPAS, UPAU, risk participation, trade loans, and Commodity forfaiting, and collections related structures.
 </li>
 <li>
 Conduct full product development/enhancement cycle in liaison and alignment with internal stakeholders till launch of product.
 </li>
 <li>
 Create Product Programs, procedure and execution documents in alignment with internal partners such as Trade Operations, FI, Sales teams, product delivery team, legal, compliance, etc.
 </li>
 <li>
 Devise procedure for operations for new products and structures.
 </li>
 <li>
 Work closely with FI to analyze trade corridors and cross-border flows for opportunities available with correspondent banks and create reports for highlighting the same to Head of Structured Products &amp; Supply Chain Finance.
 </li>
 <li>
 Structure pricing models, product features, and market positioning for all Structured Trade products and FI trade products under GTB and provide regular MIS for the dept.
 </li>
 <li>
 Conduct regular product reviews to ensure alignment with regulatory changes (SAMA/ICC) and international best practices.
 </li>
 <li>
 Prepare product presentations for clients, Banks, and internal teams.
 </li>
 <li>
 Conclude the documentation of cross-border trade and structured trade finance deals before handing over to Trade Operations for executions.
 </li>
 <li>
 Structure bespoke financing solutions including:
 </li>
 <li>
 Commodity prepayment and post-shipment structures
 </li>
 <li>
 Borrowing base and transactional trade finance
 </li>
 <li>
 Receivable purchase programs
 </li>
 <li>
 LC confirmation and discounting structures
 </li>
 <li>
 Risk participation and unfunded syndications
 </li>
 <li>
 Coordinate end-to-end approval workflows with Credit, Risk, Compliance, Treasury, and Legal.
 </li>
 <li>
 Ensure that structured transactions have clearly defined sources of repayment, collateral, security mechanisms, and operational controls.
 </li>
 <li>
 Assist Head of Structured Products &amp; Supply Chain Finance in execute complex trade finance transactions for top-tier commodity and corporate clients.
 </li>
 <li>
 Act as the first line of defense by reviewing all transaction documents before execution by Trade Operations.
 </li>
 </ul>
 
 
 
 
 
 Review and validate:
 
 
 
 
 
 <ul>
 <li>
 All documents like LC formats, MRPAs, Syndicated deals for terms, and conditions (UCP600/ISP98/BAFT/URDG)
 </li>
 <li>
 Commodity trade finance documents (contracts, invoices, warehouse receipts, collateral agreements, TLC, LC Confirmation drafts, expected shipping docs)
 </li>
 <li>
 Structured finance documentation (all type agreements including Be-spoke agreements, receivable assignment, security documentation,.)
 </li>
 <li>
 FI agreements (risk participation, master confirmation agreements, reimbursement undertakings, IRU, MRPA, Trade Loan Agreements, Be-spoke agreements)
 </li>
 <li>
 Ensure documents meet operational, legal, credit, regulatory, and ICC standards; as well as mitigate trade risk, operational risk and credit risk.
 </li>
 <li>
 Certify transaction readiness before passing to Trade Operations for execution.
 </li>
 <li>
 Train Trade operations on how to execute transaction and create procedure for them.
 </li>
 <li>
 Ensure strict adherence to AML/CFT, sanctions, ICC rules, and internal credit policies.
 </li>
 <li>
 Maintain high-quality transaction files with full compliance documentation and approvals for each deal, structure etc.
 </li>
 <li>
 Identify structural risks in commodity and trade finance deals and propose mitigants to relationship teams of FI/relevant business and implement mitigants in operations of these transactions.
 </li>
 <li>
 Drive revenue growth across FI Trade and Structured Trade Finance portfolios.
 </li>
 <li>
 Grow the commodity trade finance book through new structures and finding opportunities via deeper client engagement.
 </li>
 <li>
 Prepare and provide regular MIS, revenue analytics, deal pipeline reports.
 </li>
 <li>
 Develop business cases for new FI trade products and enhancements and design documents around the structures
 </li>
 <li>
 Support RM teams as the subject-matter expert for FI trade and structured trade solutions
 </li>
 <li>
 Contributes to the identification of opportunities for continuous improvement of processes and practices taking into account &lsquo;international best practice&rsquo;, improvement of business processes, cost reduction and productivity improvement
 </li>
 <li>
 Assists in the preparation of timely and accurate reports of Riyad Bank to meet company and department requirements, policies and standards
 </li>
 <li>
 Complies with all relevant safety, quality and environmental management policies, procedures and controls to ensure a healthy and safe work environment.
 </li>
 </ul>
 
 
 
 
 
 QUALIFICATIONS AND EXPERIENCE:
 
 
 
 
 
 
 
 Minimum Qualifications:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business, Economics, or related field (Master&rsquo;s preferred).
 </li>
 </ul>
 
 
 
 
 
 Minimum Experience:
 
 
 <ul>
 <li>
 8-10 years of experience in Trade Finance products, with at least 5 years in Structured Trade Finance and FI Trade products as well handling cross-border trade and structured trade operations and documentation
 </li>
 <li>
 Strong exposure to commodity trade finance, cross-border structures, and their documentation.
 </li>
 <li>
 Deep understanding of ICC rules: UCP 600, URC 522, URDG 758, ISP98, Incoterms, ISBP, and structured trade practices.
 </li>
 <li>
 Experience working with correspondent banks trade finance units, and understanding of products, structures and documentations of entities like Commodity traders, Credit Risk insurance, ECAs, etc.
 </li>
 </ul>
 
 
 
 
 
 Language:
 
 
 <ul>
 <li>
 English: Advanced
 </li>
 </ul>
 
 
</div>

Head of Structured Products Unit

<div>
 
 
 Job Purpose / Role
 
 
 
 
 To lead a team of sales representatives to sell and cross-sell SME products &amp; services, as well as provide solutions based on needs, with the objective of achieving targets, while ensuring that credit quality is maintained.
 
 
 
 
 
 
 
 
 
 
 Areas of responsibility:
 
 
 
 
 
 <ul>
 <li>
 Implements approved departmental policies, processes, procedures and provides instructions to subordinates and monitor their adherence so that work is carried out in a controlled manner
 </li>
 <li>
 Implements the day-to-day operations assigned for the Corporate Banking function to ensure compliance with the established standards and procedures
 </li>
 <li>
 Manages the SME network of sales representatives, ensuring achievement of revenue, service and profitability targets at the overall and individual level.
 </li>
 <li>
 Manages and supports sales representatives in actively acquiring new deals in order to achieve business targets.
 </li>
 <li>
 Develops a thorough understanding of customer&rsquo;s organization, industry and global practices to maintain proximity to the clients and meet their banking needs and expectations.
 </li>
 <li>
 Provides guidance and support in identifying revenue opportunities and actively sell Corporate Banking products to SME customers in order to support the sales targets and corporate client base expansion plans.
 </li>
 <li>
 Drives product penetration and cross selling seeking opportunities in-order to ensure the services required by SME customers are delivered in the most effective manner.
 </li>
 <li>
 Provides guidance in developing account plans in a consistent and timely manner in order to swiftly follow-up on identified action items.
 </li>
 <li>
 Provides inputs and market demand insights to the team for loans which are viable for SME customers and also meet the required market demand.
 </li>
 <li>
 Reviews CAs and approve them as per authority levels in order to ensure quality and completeness of all CAs before sending them to Credit for CA Review.
 </li>
 <li>
 Ensures effective collaboration is in place with the Credit Analytics Unit and Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; experience
 
 
 
 
 Minimum Qualifications:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business with preferably a specialization in Finance or Accounting
 </li>
 </ul>
 
 
 
 
 
 Minimum Experience:
 
 
 <ul>
 <li>
 8-10 years relevant experience in banking , preferably 2 years in positions of progressively increasing managerial responsibilities
 </li>
 </ul>
 
 
 Language:
 
 
 
 English: Advanced
 
</div>

Corporate Banking Team Leader  | Abha City

Join Riyad Bank 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.

Riyad Bank

ABOUT_COMPANY

Senior Relationship Manager - Large corporate

Head of Supply Chain Finance Section

Head of Structured Products Unit

Corporate Banking Team Leader | Abha City