QNB3843-Senior Manager - Credit Risk (Saudization)

Role Purpose

Credit Risk and Approvals

• Perform credit assessments and provide approvals within delegated authority.
• Evaluate facilities, guarantees, client background, industry and country factors, external ratings, financials, cash flows, and risk-tool ratings.
• Recommend approval, decline, additional security, or deal restructuring and set conditions to mitigate credit risk.
• Ensure credit approvals comply with policy guidelines and applicable regulatory requirements.

Stakeholder and Process Management

• Coordinate with Compliance on updates to credit risk regulations and provide information to auditors and Compliance when required.
• Coordinate with business units to obtain customer information and process credit requests within established turnaround times.
• Maintain service-level agreements with internal departments and support improvement of processing times.
• Build effective relationships with related departments and units to achieve group objectives.

Continuous Improvement and Team Leadership

• Improve the credit portfolio by applying credit risk best practices and addressing weaknesses identified through assessments, audits, or examinations.
• Lead cross-functional improvement initiatives and encourage innovative practices.
• Support risk management training, assess team performance, and identify development opportunities for staff.
• Coach staff and facilitate preparation for greater responsibilities.

Risk and Regulatory Framework

• Comply with legal, regulatory, and internal requirements covering AML/CTF, sanctions, data protection, fraud control, whistleblowing, conflicts of interest, and insider dealing.
• Apply the Three Lines of Defence principle and support RCSA, KRI, incident reporting, remediation, and conduct-risk requirements.
• Protect commercially sensitive customer and bank information through confidentiality and data-protection practices.

Qualifications and Experience

• Bachelor's degree, preferably in engineering, business administration, or a related field; a master's degree is preferred.
• At least 8 years of experience in a major bank, including at least 2 years in a banking risk function.
• Knowledge of Basel II, credit risk issues, and credit modelling methodologies.
• Excellent quantitative modelling, analytical, research, numerical, and written communication skills.
• Experience with large and complex datasets and knowledge of financial markets, products, banking operations, systems, and regulatory requirements.
• Knowledge of credit risk methodologies, interest-rate modelling, VaR, or other complex risk modelling is desirable.

Languages and Professional Skills

• Excellent oral, numerical, and written communication skills in English; Arabic is preferred.
• Ability to work with others and lead teams from diverse cultural backgrounds, with attention to detail.

Organizational Context