Head of Retail Credit Risk
- Doha, Qatar
- Permanent
- Full-time
The incumbent will be responsible for the quality and risk-adjusted profitability of the retail lending portfolios (new origination and stock) and for close monitoring of performance and ongoing improvement of risk strategies.Key Accountabilities
- Change the profile of the team to a more quantitative/analytical skills set to enhance the transformation of the function.
- Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
- Provide on-the-job training and constructive feedback to subordinates to support their overall development.
- Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified.
- Review and derive appropriate credit processes in accordance to the bank's policies, business strategies and statutory/regulatory requirements (TARGET OPERATING MODEL).
- Work with other counter-parties to ensure the credit policies and guidelines are implemented properly.
- Lead the definition of the retail credit risk strategy, the adoption of credit risk framework and the credit risk exposure monitoring. Collections and recoveries and control schemes.
- Recommend and support setting of credit risk appetite metrics and associated limits specific to the retail business.
- Maintain the effectiveness of retail credit risk policies and lending standards (including scorecards cut-off level).
- Keep abreast of the latest development in credit policies in the market and provide input for updating of the bank's corporate policy manual.
- Ensure effective ownership on the retail credit risk models (with highly data management focus)
- Enhance the launch of new products and acquisitions of new clients.
- Build a strong risk/retail partnership that will deliver superior customer experience.
- Recommend & approve Retail Banking credit applications with excesses/exceptions, as per Board's approved DOA, within defined TAT, by conducting own assessment and managing team of Credit Risk Managers, Officers & Analysts in the process.
- Control of the credit monitoring in different dimensions (product, segment, population, vintages,…..)
- Control of the provisions (staging, parameters, charges,..) and NPL's.
- Oversee timely and appropriate remedial action on poorly performing accounts establishing the appropriate recoveries management strategies and policies.
Planning and organizing skills
Interpersonal skills
Communication skills
Influencing and Negotiation skills
Numerical skills
Leadership skills
Bilingual (Arabic & English)Why Commercial Bank?
- Best Performing Bank in Qatar in The Banker's prestigious Top 1000 World Banks Rankings 2025.
- Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
- An Innovation-Driven, Digital-First Environment where employees work with the latest tools and technologies to redefine banking
- Opportunities for Global Partnerships & International Exposure, connecting employees with global networks and perspectives.
- A focus on Employee Well-being & Work-Life Balance, ensuring a healthy and supportive environment for all team members
- Competitive Compensation & Benefits that ensure our employees are rewarded for their dedication and performance
- A strong Commitment to Diversity, Equity & Inclusion, fostering a culture that values every individual's unique perspective
We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.