Role Summary

You will be responsible for planning, developing and managing the assigned branch towards achieving sound profitable growth through the achievement of product-wise sales targets and delivery of quality service and ensuring efficient and consistent delivery of customer delight

Role Description

Implement strategies and plans to achieve all volume, revenue, profit targets.

Provide inputs for the creation of the Key Performance Indicators (KPIs) for performance monitoring and quality measurement purposes for the retail branches.  Accordingly, monitor their achievements on periodic basis.

Provide inputs to the branch’s annual budget and report variances to the Country general manager on a timely basis.

Responsible for sensitizing the branch to the needs of the customer and lead the customer focus initiative in the entire branch. 

Manage and motivate staff to ensure all customers receive prompt, courteous and high quality services.

Build and maintain strong and effective relationship with all other related branches and departments to achieve Group’s goals.

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

 Manage the branch as per preset risk and credit limits and ensure cost control.

Market the Group’s products and services while enhancing the customer, deposit and loan bases quantitatively as well as qualitatively, and also make periodic visits to current and potential customers for marketing purposes.

Oversee the smooth running of day-to-day activities and ensure adequate distribution of work among staff.

Review daily position and profit and loss reports, monitor dormant accounts especially debit accounts, supervise and minimize “past due” and “casual overdraft” accounts.

Approve or reject, or coordinate the approval and rejection of lines of credit and loans within preset limits.

Monitor credit portfolio quality and follow up on the delays. Take appropriate actions to improve the portfolio quality.

Supervise implementing overall action plans for addressing control weaknesses or compliance issues noted by the QNB’s Group Internal Audit Department and Auditors respectively within the Branch in assigned location.

Set and maintain a sound internal control environment in the branch. Develop/ enhance systems that identify measure, monitor and control risks being incurred by the branch.

Ensure regular staff rotation to make sure widely knowledgeable staff covers all sections in the branch and to avoid difficulties during leaves

Possess a superior knowledge of the retail branches services and associated risks for each service.

Identify areas for professional development of self and all direct reports, and act to enhance professional development of self and others

Ensures high standards of confidentiality and ethics to safeguard commercially sensitive information.

All other ad hoc duties and/or activities related to QNB that management may request of the employee from time to time

Qualifications

Bachelor’s degree with a relevant Masters Degree preferred.

Good knowledge of Retail Banking and customer service principles, typically required through 5-7 years, experience related to branch operations in a major banking institution out of which 2 years should be in a similar management role.

Well-informed of the retail branches market structure, industry practices and regulations; with at least 2 years experience in local environment.