Senior Manager - Credit Risk (Kuwaitization)

Role Overview

Senior Manager - Credit Risk at QNB, Kuwait. Location: Kuwait, Kuwait. Closing date: 30-Sep-2026.

Company Overview

QNB was established in 1964 as the country's first Qatari-owned commercial bank and is now the largest bank in the Middle East and Africa (MEA) region. QNB Group's presence extends to more than 31 countries across three continents through subsidiaries and associate companies, providing a comprehensive range of advanced products and services. The organization employs more than 28,000 staff serving up to 20 million customers through 1,000 locations and an ATM network of 4,300 machines. QNB maintains ratings of A from Standard & Poor's, Aa3 from Moody's, and A+ from Fitch. The bank currently ranks as the most valuable bank brand in the Middle East and Africa according to Brand Finance Magazine. QNB Group maintains an active community support program and sponsors various social, educational and sporting events.

Role Purpose

The Senior Manager - Credit Risk will manage the credit approval process for individual credit facility proposals from Corporate and Retail customers (retail proposals outside applicable policy parameters) forwarded by appropriate departments and units. The role assesses credit exposure quality and adherence to established policies and procedures, while constantly researching and applying best practices in credit risk in accordance with Basel II and other relevant guidelines.

Key Responsibilities

Credit Assessment & Approval

• Perform credit assessments and provide credit approvals within delegated authority limits.
• Supervise the assessment of credit proposals to ensure adequacy and analyze various credit risk facets to measure final credit risk rating.
• Analyze the requested facility and guarantees provided, client management and background, industry analysis, country analysis, external agency credit rating (if applicable), financial and cash flow analysis, and risk rating from the credit risk rating tool in use.
• Recommend extending or declining facility requests or requesting additional security or further deal structuring to safeguard the Group's interests.
• Check coordination with business unit Relationship Managers for timely receipt of customer documents and other information required to evaluate borrower creditworthiness.

Policy & Compliance

• Ensure the use of a standardized process for evaluating credit proposals ensuring all approved credits remain within QNB's Credit Risk Strategy.
• Ensure compliance with established and approved credit risk policies and procedures.
• Ensure that all credit approvals meet overall policy guidelines and Qatar Central Bank (QCB) regulations and stipulate terms and conditions to mitigate credit risk borne by the Group.
• Maintain a sound environment for identifying, measuring, monitoring and controlling credit risk.
• Coordinate with Compliance Group to ensure appropriate response to obtain updates on regulations pertaining to credit risk review promulgated by the Central Bank.

Strategy & Financial Performance

• Perform activities within the assigned Credit Risk Strategy that reflects the Group's tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.
• Demonstrate clear understanding of the important factors behind the bank's financial and non-financial performance.
• Promote cost consciousness and efficiency and enhance productivity to minimize cost, avoid waste, and optimize benefits for the bank.

Portfolio & Risk Management

• Work towards improving the overall Group credit portfolio by instilling credit risk best practices.
• Address and facilitate correction of any weaknesses identified during assessments, audits or examinations.
• Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
• Support the framework of RCSA, KRI, Incident reporting and remediation in accordance with Operational Risk Management requirements.

Stakeholder & Internal Coordination

• Build and maintain strong and effective relationships with all other related departments and units to achieve the Group's goals and objectives.
• Coordinate activities with business units to ensure timely processing of customer credit requests within established turn-around times (TATs).
• Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments and units to achieve improvements in turn-around time.
• Assist the SVP of Risk in the development and finalization of Service Level Agreements (SLAs) between respective overseas operations and Head Office units and departments as needed, to the extent they relate to business functions.
• Ensure adherence to the Turn-around Times (TATs) specified in the SLAs.
• Provide timely and accurate information to external and internal auditors and the Compliance function as required.
• Assist customers in all queries on the Bank's products and seek solutions to their requests.

Performance Management & Strategy

• Act within the limits of the powers delegated to the incumbent and delegate authority to respective staff and monitor same.
• Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on a periodic basis.
• Implement KPIs and best practices for the role.

Leadership & Continuous Improvement

• Set examples by leading improvement initiatives through cross-functional teams ensuring successes.
• Identify and encourage people to adopt practices better than the industry standard.
• Continuously encourage and recognize the importance of thinking out-of-the-box within the team.
• Encourage, solicit and reward innovative ideas even in day-to-day issues.
• Hold meetings with staff and assess their performance and overall team performance on a regular basis.
• Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within team members.
• Identify development opportunities and activities for staff and facilitate and coach them to improve their effectiveness and prepare them to assume greater responsibilities.

Compliance & Risk Framework

• Comply with all applicable legal, regulatory and internal compliance requirements including Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
• Understand and effectively perform role under the Three Lines of Defence principle to identify, measure, monitor, manage and report risks.
• Maintain appropriate knowledge to ensure full qualification.

Knowledge & Development

• Possess an understanding of business processes and controls in all related credit and operational areas.
• Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.
• Support risk management training across all business areas within the Group.
• Proactively identify areas for professional development of self and undertake development activities.
• Seek out opportunities to remain current with all developments in the professional field.

Additional Information

• Full details are available on the employer's original posting.