Associate Cards and Retail Payment Acceptance

**Business Unit**
- QNB - Qatar**Division**
- Retail Banking**Department**
- Retail Banking**Country**
- Qatar**Closing Date**
- 10-Apr-2026

**About QNB**:
Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.

QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.

QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.

Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.

QNB Group has an active community support program and sponsors various social, educational and sporting events.

**Job Purpose Summary**:
The incumbent will be primarily responsible for performing daily merchant acquiring transactions with an objective to maximize profits. The incumbent will also assist Assistant Vice President Cards and Retail Payments Acceptance to develop and enhance relationships with merchants and gain loyalty.

**Essential Duties & Responsibilities by Dimensions**:
**A. Shareholder & Financial**:

- Assist the Assistant Vice President Cards and Retail Payment Acceptance in developing and implementing

strategies and plans to achieve pre-agreed volume and revenue/ profit targets for the merchant acquiring

business.
- Analyse the merchants available in the market to identify and recommend potential targets with whom to cultivate business relationships to the Assistant Vice President Cards and Retail Payment Acceptance, including an assessment of proposed tie-ups with internet-based merchants (for online transactions).
- Monitor merchant transactions/volume and assist the Assistant Vice President Cards and Retail Payment Acceptance in formulating appropriate merchant retention strategies to minimize attrition.
- Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.
- Act within the limits of the powers delegated to the incumbent
- Promote and monitor usage of all POS and e-commerce products and ensure merchants benefits from the features that the product has to offers.
- Implements KPI’s and best practices for Associate, Cards and Retail Payment Acceptance (Domestic)

**B. Customer (Internal & External)**:

- Log a Merchant installation request and forward the request to CMO.
- Verify all documentation received from Merchant (including Merchant Agreement) is as per Banks requirement and agreement signed and stamped.
- Provide quality service to all merchants with respect to the initial POS machines installation and subsequent maintenance thereof.
- Liaise with the personnel responsible for procurement & tendering services in Group Infrastructure to ensure availability of adequate and timely supply of POS machines at all times.
- To assist customers in all their queries on Bank’s product and seek solution to their requests.
- Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.
- Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives.
- Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.

**C. Internal (Processes, Products, Regulatory)**:

- Implement approved targeted merchant campaigns to increase merchant acceptance of cards.
- Follow the prescribed/ existing processes for all merchant related activities including but not limited to POS terminal set-up and activation including testing thereof, updating of merchant information on timely basis, handling/ processing of acquirer charge backs etc.
- Obtain adequate documentation in line with applicable KYC regulations at the time of new merchant sign-ups to ensure compliance with regulatory requirements.
- Compile relevant MIS reports for provision of merchant related statistics to the Vice President Cards and Retail Payment Acceptance for his review and onward submission, as and when applicable.

**D. Learning & Knowledge**:

- Possess working knowledge of the merchant acquiring business including but not limited to the required merchant documentation, merchant charge back rules etc., together with knowledge of the related operations and control.
- Proactively identify