Senior Manager - Relationship Management (Kuwaitization)

Role Overview

Senior Manager - Relationship Management (Kuwaitization) at QNB, located in Kuwait, Kuwait. This role reports to the Corporate Banking & Financial Institutions division within QNB - Kuwait.

Company Overview

QNB Group was established in 1964 as the country's first Qatari-owned commercial bank and has grown to become the largest bank in the Middle East and Africa (MEA) region. The Group operates through subsidiaries and associate companies in more than 31 countries across three continents, serving up to 20 million customers through 1,000 locations and an ATM network of 4,300 machines. QNB employs more than 28,000 people and maintains credit ratings of A from Standard & Poor's, Aa3 from Moody's, and A+ from Fitch. The bank ranks as the most valuable bank brand in the Middle East and Africa according to Brand Finance Magazine and maintains an active community support program sponsoring social, educational, and sporting events.

Role Purpose

The role is primarily responsible for providing proactive and effective support to profitably enhance the daily management and development of the customer portfolio in accordance with the business plan, credit policy objectives, and QNB procedures. The role acts as an AVP, taking responsibility for a designated portfolio to develop and profitably manage banking relationships for business customers within their geographic territory or industry and customer portfolio, serving as backup resource for the full range of bank products and services applicable to business customers, including credit and deposit services, international transactions, and specialized services.

Key Responsibilities

Shareholder & Financial

• Act within the limits of powers delegated to the incumbent and adhere to QNB policies.
• Proactively assist in the implementation of strategies and plans to achieve all volume, revenue, development, and profit targets for the VP's customer portfolio.
• Proactively support the VP in the development of Key Performance Indicators for systematic performance monitoring and quality measurement of the VP's function and customer portfolio development.
• Proactively support the VP in upholding and monitoring full compliance with prevailing best corporate banking practice.
• Observe and promote cost consciousness and efficiency to minimize costs, avoid wastes, and optimize benefits for the bank.

Customer Relationship Management

• Proactively support the VP in maintaining and developing customer relationships, acting as an alternative to the VP as required.
• Act in the full capacity of an RM taking responsibility for a designated portfolio as required.
• Proactively support the VP in dealing with and resolving customer problems and requirements in coordination with appropriate in-house and external support functions to ensure timely, friendly, and accurate responses and provision of bank products and services.
• Build and maintain strong and effective relationships with all related functions and units to assist in the achievement of the VP's and Corporate Banking's goals and objectives.

Credit & Risk Management

• Proactively support the VP to develop and manage on a day-to-day basis both potential new customer targets and existing customers to meet assigned financial and non-financial targets in compliance with QNB policies, procedures, regulations, and prevailing best practices.
• Assist the VP to prepare comprehensive credit proposals for new and prospective customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of QNB corporate credit.
• Assist the VP to prepare comprehensive credit reviews for existing customer facilities at least one month before limit expiry that adequately address all relevant and current risk factors and the latest developments in the industry, market, and business.
• Assist the VP to identify and timely report on all negative events and early signals on potentially problematic accounts and relationships.
• Assist the VP to maintain the timely review of credit applications and documents within set turn-around time in coordination with Credit Risk.
• Support the VP and others as requested in identifying weak aspects of credit applications.
• Assist the VP in monitoring the VP's customer credit positions for full compliance with set limits and QNB's Investment and Credit Strategy.
• Support the VP in the preparation of periodic Management and Business Information reports to executive management as requested.

Credit Administration & Operations

• In the absence of Credit Admin Role: Liaise with HO credit admin on the credit documentation meeting the terms and conditions as per approval.
• Seek HO Credit Admin acknowledgment when needed for collaterals submitted and supporting documents.
• Seek HO Credit Admin Review and have the checklist completed for Credit Operations to complete the remaining tasks.
• Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments and units to achieve improvements in turn-around time.

Customer Support & Coordination

• Assist customers in all their queries on the bank's products and seek solutions to their requests.
• Provide timely and accurate information to external and internal auditors, Compliance, Financial Control, and Risk Functions as and when required.

Compliance & Risk

• Comply with all applicable legal, regulatory, and internal compliance requirements including Group Compliance Policies and Procedures: AML & CTF, Anti-Bribery and Corruption, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, and Conflict of Interest and Insider Dealing Policy.
• Understand and effectively perform your role under the Three Lines of Defence principle to identify, measure, monitor, manage, and report risks.
• Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
• Support the framework of RCSA, KRI, Incident reporting and remediation as appropriate in accordance with Operational Risk Management requirements.

Skills & Competencies

• Possess good knowledge of the corporate banking business, its products and services, related risks, documentation, regulatory requirements, and report preparation together with superior knowledge of controls.
• Develop good knowledge of the VP's portfolio of customers' business and needs.
• Possess good IT skills to compose correspondence and reports using standard bank platforms and applications.
• Take responsibility for self-development and acquiring skills and knowledge required to fulfill duties by proactively identifying areas for professional development.
• Seek out opportunities to remain current with all developments in the professional field.

Additional Information

• Closing Date: 31-Aug-2026.
• Full details are available on the employer's original posting.