Role Summary

you will be responsible for overseeing the development and implementation of business plans for QNB Country’s branches. You will also be responsible for overseeing the implementation of the agreed strategic agenda and determining the resources, channels, products, and market segments and the tactical direction required to maximize targets

Role Description

Demonstrate clear understanding of the important factors behind the bank's financial & non-financial performance.

Display a good understanding of the major economies / relevant geographies in which the Country operates and of those economies that could have an impact on the Country’s business; includes an appreciation of the range of potential outcomes for the Country.

Take leading role in understanding of external & internal environment (economic, political, social, competitive and regulatory factors) and ensure that the same is captured in business planning process.

Continuously encourage managers to be sensitive to the market dynamics and engage them in a fruitful dialogue to be able to respond to the market changes speedily.

Act within the limits of the powers delegated to the incumbent and delegate authority to the respective  heads and monitor exercise of the same 

Create necessary frameworks and systems to enable teams and individuals to deliver on the commitments made.

Create conducive environment and frameworks to act swiftly through effective delegation and empowerment

Endeavour for superior performance & take personal accountability to meet deadlines in rapidly changing, ambiguous environment & unfavorable conditions

Assist the GM in the development and implementation of QNB Country’s Retail Branches strategy.

Ensure that the branches’ business plans are within budgets and timescales.

Ensure ongoing increase in market share and sustainable growth rate on the QNB Country’s branches portfolio.

Oversee and lead the annual budgeting process for all QNB Country’s branches.

Oversee the performance of all QNB Country’s Domestic retail branches against the set objectives to ensure achievement of profit targets for QNB Country’s retail portfolio.

Coordinate with the GM to develop the department’s strategy and plans to set the volume, revenue, and profit targets for all QNB Country retail branches with the network.

Provide the AGM Group Manned Channels with informative reports on the performing and non-performing products within the network.

Keep the GM informed of branches’ financial returns and ensure implementation of suggested changes (if any).

Ensure that all QNB Country Retail branches focus on client-driven service and improving efficiency.

Drive the profitability of QNB Country’s Retail Branches through completing sales, service management, implementation of business strategies, and business development.

Ensure that domestic branches comply with QNB Country’s policies and procedures and recommend the necessary modifications/changes to guarantee compliance.

Work with managers to position QNB Country Retail branches as an effective retail sale and service outlet by providing superior customer focused services, increasing the customer base, and meeting the branch asset and liability targets.

Work with the managers to enhance the positioning of certain branches within the network through reviewing performance indicators in the branches.

Cater to the financial needs of individual customers through QNB Country’s network of Retail branches and customer service centers, while ensuring that product offerings continually aligned with the needs and expectations of the respective customer segments.

Maintain key relationships with external business partners e.g. VISA, Master Card, and insurance companies to be invested upon any problem or escalation.

Ensure that the GM is informed of significant branches-related issues that may jeopardize the achievement of branches’ goals.

Oversee the sales volume targets of all QNB Country branches, measurement of customer attrition, and ensure implementation of customer retention strategies to enhance customer loyalty.

Coordinate with the Branch Managers regarding all levels of manpower requirements in the branches to address issues be it a surplus or shortage of manpower.

Ensure high standards of confidentiality to safeguard commercially sensitive information.

Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.

Hold meetings with direct reports and assess their performance as well as department’s overall performance on a regular basis.

Take decisive action to ensure speedy resolution of staff unresolved grievances or conflicts within the team.

Qualifications

University graduate (Bachelors degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.

At least 10-15 years experience in financial services with a specialization in Retail Banking, with at least 5 years in a managerial capacity.

Fluent in Arabic and English is mandatory.