The incumbent will be responsible for proactively managing the Bank s relationship with International Retail Banking customers to assist in meeting the stated budget targets for the International Retail Banking function in terms of revenue, profit, profitability and volumes in compliance with established QNB credit policies, procedures, standards and regulatory requirements. The incumbent will ensure that assigned International Retail Banking clients needs are met on a priority basis in compliance with prevailing retail financing best practices and will proactively coordinate efforts and cross sell products with other Bank divisions / departments / functions.
Deploy new initiatives quickly by realigning the resources to be able to quickly exploit market opportunities.
Keeps in touch with relevant people and leverages relationships to stay abreast with latest developments in his/her domain of operation.
Makes an immediate positive impression on others and influences others.
Influences team members to practice behavior that builds and fosters lasting relationship by walking the talk.
Maintain and deepen relationships with the existing International Retail Banking customers as well as building new relationships.
Maintain and conduct activities in compliance with policies and procedures, regulations and prevailing best practices.
Manage assigned International Retail Banking credit clients on overall basis to ensure targets are met, corrective measures where necessary are implemented on a timely basis and to systematically evaluate the quality and performance of the same.
Provide technical expertise and guidance to Relationship Officers to ensure their credit proposals adequately address all relevant risk factors and meet minimum acceptable standards.
Perform sales activity in accordance with the Senior Relationship Manager directives and timely update the database of client contacts.
Systematically visit client premises, conduct meetings and prepare / deliver presentations, as appropriate.
Identify and timely report on all negative events and early signals on potentially problematic accounts / relationships that are managed by the International Retail Banking function.
Perform cross selling activities in coordination with other Retail & Institution Banking functions, departments, international and domestic branches, representative offices, affiliates, Foreign Institutions, Treasury, Legal, Corporate, and Head Office support functions in order to enhance QNB s overall relationship with the International Retail banking function customer base.
Develop and maintain professional relationships with key International Retail Banking managers of existing and potential clients to provide a broader range of communication, service consistency and response to clients needs.
Prepare and submit periodic Management and Business Information reports to the Head of International Retail Banking to appraise them about the function s performance and the assigned portfolio of clients, as requested.
Build a spirit of trust and sincerity to make customers feel valuable
Always puts customer first by being empathetic even in difficult and challenging situations
Understand the customer and provides solutions to serve the customer better.
Articulate ones thoughts clearly, openly and convincingly without use of jargon.
Summarize key points of the conversation.
Speaks up when required and uses firm and assertive language to communicate even when there are divergent opinions.
Actively ensure smooth communication across levels.
Participate in hiring & selection process from beginning & ensures right talent is hired
Set SMART Goals & reviews performance, and provides developmental feedback on an ongoing basis
Actively seek to improve others' skills and talents by providing constructive feedback, coaching, training opportunities and assignments which challenges their abilities and encourages development.
Interpret, cascade and communicate information that is culturally sensitive.
Address cultural dynamics in group supervision.
Respect & adjust for cultural differences to ensure broad participation.
Promote team coherence, fairness and equality within team.
Deal with cultural differences in business practices.
Ensure high standards of confidentiality to safeguard commercially sensitive information.
Understand the integration of Divisional plans and support Departmental plans.
University graduate with at least 5 years relevant experience in the banking industry, preferably with local / Gulf and preferably international banking experience.
Required Special Skills:
Project Management Experience and Strategic thinker
Consultant firms experience (e.g. E&Y, McKinsey & Co, Oliver Wyman, etc..)