Manager Cards and Retail Payment Products

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::
Responsible to assisting the direct supervisor and the entity for managing the Retail Cards and Payment Products' activities across the Retail Bank and ensuring that key business objectives are met. Product under management can be credit, debit and prepaid for Retail, SME and Corporate customers. Where required and if the skillset exists, more than one product can be managed.

Deploy timely strategies with the objective of growing market share and profitability. Responsible to maintain and grow existing products while continually innovating new and enhanced products and features to meet the customer demand, delivered in a professional and proactive manner in partnership with stakeholders.

Essential Duties & Responsibilities by Dimensions::
A. Shareholder & Financial:
- Strong understanding of the various factors that affects the Bank's financial & non-financial performance.
- Understand both Internal and External environmental factors including economic, political, social, competitive and regulatory to be captured in the business planning and operational processes.
- Possess the ability to be sensitive to changing market conditions and react to market dynamics effectively.
- Budgeting and execution abilities.
- Observes and promotes cost consciousness and efficiency, and enhance productivity, to minimize costs, avoid wastes, and optimize benefits for the bank
- Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor exercise of the same.
B. Customer (Internal & External):
- Continually research and benchmark competition, best practices and provide timely and executable strategies
- Anticipate customers' needs. Continuously revisit services and products offered in order to differentiate them from competing offerings.
- Modify, develop and launch products that are relevant to the market and in line with consumer expectation.
- Continually working on improving customer experience and user journey for clear differentiation against competition.
- Clearly articulate the vision behind customer delight into practical processes and initiatives
- Strong understanding of quality acquisition, fee income levers, receivables and customer value extraction
- 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 and effective relationship with all other related departments and units to achieve the Group's goals/objectives.
- Provide timely and accurate information to the external/internal Auditors, Compliance, Financial Control and Risk Functions when required.
C. Internal (Processes, Products, Regulatory):
- Review, refine, develop and launch new card and retail payment products to maximize market share, revenues and profits in markets under management.
- Ensure all regulatory and compliances requirements are maintained.
- Ensure efficient processes are in place for the end-to-end Product Management lifecycle. Including but not limited to operational, policies, regulatory, compliance and legal wherever applicable.
- Influence portfolio management to ensure highest level of profitability and cross sell / up-sell ration is achieved.
- Present relevant MIS and business performance indicators on portfolio, campaigns and profitability to Management on period basis.
- Work with relevant stakeholders across the Bank to manage changes in systems, testing process and policies.
- Maintain and grow business relationship with Internal and external stakeholders. Including Payment Schemes, Co Brand partners and other business partners.
- Oversee resource under management.
- Compile and present relevant MIS on periodic basis for the Management team of Card and Retail Payment Products, as and when required.
D. Learning & Knowledge:
- Conduct trainings and ensure highest levels of product knowledge is available across the network.
- Proactively identify areas for professional development of self and undertake development activities
- Seek out opportunities to remain current with all developments in professional field
- Hold meetings with staff and assess their performance as well as the function's overall performance on a regular basis
E. Legal, Regulatory and Risk Framework Responsibilities:
- Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, 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 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 the Operational Risk Management requirements.
- Maintain appropriate knowledge to ensure to be fully qualified to undertake the role. Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
- Attend mandatory (internal and external) seminars as instructed by the Bank.
F. Other:
- Ensuring high standards of data protection and confidentiality to safeguard commercially sensitive information. Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.
- Maintains high professional standards to uphold QNB's reputation and to strengthen its market leadership position
- All other ad hoc duties/activities related to QNB that management might request of the employee from time to time

Education/Experience Requirements::
- University graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study), Masters preferred
- At least 5 years of relevant experience, preferably within a highly rated international bank.

Note: you will be required to attach the following:
1. Resume / CV