Associate Retail Assets

**Business Unit**
- QNB - Qatar**Division**
- Retail Banking**Department**
- Retail Banking**Country**
- Qatar**Closing Date**
- 03-Aug-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 is responsible for assisting his line manager in developing retail products assigned to him and managing their implementation through the respective sales channels (branches, DSAs). Working to an agreed strategic agenda, the Officer Retail provides support in proposing the mix of resources and channels, and the tactical direction required to achieve time bound volume, revenue and profit targets for the assigned product.

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

- Monitor and evaluate the market opportunity/growth potential, competitor activity, existing capabilities and risk appetite to ensure a sustainable growth rate on the retail product portfolio
- Assess, analyse, define, recommend, implement and monitor market and marketing intelligence in order to meet assigned product strategic objectives
- Review and recommend the margin, pricing, risk and cost management for the assigned retail products
- Monitor set Key Performance Indicators (KPIs) for performance monitoring and quality measurement purposes for the assigned retail product.
- Advise on the targets for branches (i.e. distribution) and direct sales staff in close liaison with the referenced functions and continuously monitor the achievements against the agreed targets.
- Analyze portfolio behavior and trends (including competitor initiatives) to ensure high products penetration ratios, through campaign management techniques (next best action, cross selling, up selling, sales promotions, and conversion of wholesale opportunities) to formulate and implement retention strategies to minimize attrition and thereby help grow the retail product portfolio. Implements KPI’s and best practices for Associate, Retail Assets
- 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.

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

- Analyse the market for the products assigned to gauge customer preferences and ensure that products launched are in line with customer needs.
- Build and maintain strong and effective relationship with the all other related departments and units to achieve the Department’s goals/ objectives.
- Provide timely and accurate information to the external and internal auditors and the Compliance function, as and when required.
- Build strong and effective business relationship with the bank partners, with support with Corporate Banking for certain companies to support product activities.
- Development of partnerships for provision of loans to customers beyond the threshold of the bank products (real estate brokers, developers, vehicle dealers, key accounts, etc.).
- Analyse the market for the products assigned to gauge customer preferences and ensure that products launched are in line with customer needs.
- 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.
- 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.
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