Assistant Credit Manager

Commercial Bank, Qatar; Doha; On-site; QAR 120,000 - 170,000; Full time

Benefits offered by this job

Best Digital Bank (ME) 2024

Best Mobile Banking App (ME) 2024

Digital-First Culture

Global Partnerships

Work-Life Balance

Competitive Compensation

Diversity & Inclusion

Job summary

Commercial Bank, based in Doha, Qatar, seeks an Assistant Credit Manager to analyse portfolio performance, translate data into risk strategies, and support growth while preserving asset quality. You will develop risk metrics and provide insights on delinquency, profitability and expected losses, collaborating with business teams to optimize acquisition and collections strategies.

The role emphasizes strong analytical and communication skills, cross-functional engagement, and adherence to credit

Qualifications

• Academic degree: graduate degree in business or equivalent.
• Knowledge of banking products/services and ability to collaborate effectively.
• Experience in retail credit functions is preferred.

Responsibilities

• Analyse portfolio performance and identify emerging risks early.
• Translate data into actionable risk strategies.
• Support portfolio growth while maintaining asset quality.
• Develop and monitor risk appetite metrics.
• Provide management with insights on delinquency, profitability and expected losses.
• Collaborate with business teams to optimize acquisition, limit management and collections.

Skills

Analytical thinking

Communication

Stakeholder management

Attention to detail

Pressure handling

Education

Graduate degree in business or equivalent

Tools

Power Query

Excel

Job description

Career Opportunities: Assistant Credit Manager (7742)

Commercial Bank, founded in 1975 and headquartered in Doha, plays a vital role in Qatar's economic development by offering a range of personal, business, government, international and investment services.

We believe in empowering our employees, providing them with opportunities for growth and professional development.

By Joining us, you’ll be part of a workplace culture that fosters innovation, supports work-life balance, and encourages you to reach your full potential.

Join us in shaping the future of banking!

Job Summary

Analyse portfolio performance and identify emerging risks early. Translate data into actionable risk strategies. Support portfolio growth while maintaining asset quality. Develop and monitor risk appetite metrics. Provide management with insights on delinquency, profitability, and expected losses. Collaborate with business teams to optimize acquisition, limit management, and collections strategies.

Key Responsibilities

Core Credit Risk Knowledge:

• Credit risk management principles
• Retail lending products (Personal Loans, Credit Cards, Auto Loans, Mortgages)
• Portfolio monitoring and performance analysis
• Credit policies and underwriting standards

Quantitative & Analytical Skills

• Statistical analysis
• Trend analysis and forecasting
• Cohort/Vintage analysis
• Roll-rate analysis
• Early warning indicator development
• Stress testing and scenario analysis
• Portfolio segmentation and customer behaviour analysis
• Root-cause analysis of portfolio deterioration

Data and Technical Skills

• Advanced Excel
• Power Query

• NPL Ratio
• PAR 30/60/90+
• Flow rates
• Write-off rates

Reporting & MIS Skills

• Management reporting
• Executive presentations
• KPI development and tracking
• Regulatory reporting support

Communication & Stakeholder Management

• Ability to explain complex analytics to non-technical audiences
• Engagement with:Business teams,Collections,Finance,Risk management,IT/Data team,Regulators and auditors

• Contribute to the identification of opportunities for continuous improvement of systems, automation processes and practices considering 'international leading practice', improvement of business processes, cost reduction and productivity improvement.
• Follow all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

Statements and Reports

• Assist in the preparation of timely and accurate departmental statements and reports to meet CBQ and department requirements, policies and standards.
• Ensure all relevant quality, health, safety and environmental procedures, instructions and controls are adhered to so that the safety of employees, quality of products/services and environmental compliance can be guaranteed.

Qualifications & Experience

Required Qualifications:

• Academic Degree: Graduate degree in business or equivalent.
• Professional Certification:
• Knowledge, & Other skills:
  • Knowledge of banking industry products/services.
  • Ability to collaborate and communicate effectively.
  • Ability to drive and achieve desired results within the defined time duration.
  • Ability to interact with internal and external customers in a multi-cultural environment.
  • Accuracy and attention to detail.
  • Ability to work under pressure

Required Experience:

• 3-5 years’ relevant experience in retail credit functions.

Why Commercial Bank?

• Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
• Innovation-Driven, Digital-First Environment where employees work with the latest tools and technologies to redefine banking
• Opportunities for Global Partnerships & International Exposure, connecting employees with global networks and perspectives.
• A focus onEmployee Well-being & Work-Life Balance, ensuring a healthy and supportive environment for all team members
• Competitive Compensation & Benefits that ensure our employees are rewarded for their dedication and performance
• Astrong Commitment to Diversity, Equity & Inclusion, fostering a culture that values every individual’s unique perspective.

At Commercial Bank, we don't just offer careers, We shape futures by pioneering digital transformation in Qatar's banking sector, blending digital-first approach to redefine banking through innovative solutions.