Assistant Vice President, Portfolio Risk Performance

About QNB Group

Founded in 1964, QNB began as Qatar’s first bank owned by Qatari interests and has since expanded into the largest banking group across the Middle East and Africa. Through subsidiaries and associate companies, it now operates in more than 31 countries across three continents, offering a wide range of modern financial products and services. The organisation employs more than 28,000 people, serves up to 20 million customers, and runs through 1,000 locations supported by an ATM network of 4,300 machines.

QNB is consistently recognised among the highest-rated banks in the region by major credit rating agencies such as Standard & Poor’s (A), Moody’s (Aa3), and Fitch (A+). The bank has also received numerous awards from leading international financial publications. With strong financial results and continued global expansion, QNB is ranked by Brand Finance Magazine as the most valuable banking brand in the Middle East and Africa. The group also supports communities through social, educational, and sporting sponsorships.

Job summary

This role supports the implementation of the Portfolio Risk Appetite framework across Group, Region, Country, and portfolio levels. It involves tracking risk appetite and portfolio performance, identifying and recommending mitigation measures, ensuring the accuracy of underlying data and reporting, and helping optimise portfolios through economic capital risk contribution and portfolio correlation analysis. The position also contributes to portfolio risk projects and helps embed business goals within the bank’s risk appetite and tolerance framework, taking into account the Board’s risk stance, the current financial position, and external market conditions.

Key experience areas

• Credit risk modelling
• Portfolio monitoring
• RAROC (Risk-Adjusted Return on Capital)
• Data analysis and problem-solving

Main responsibilities

• Provide sound judgment when interpreting risk information and assessing its effect on the bank’s business model.
• Oversee fundamental prudential credit risk matters for the bank.
• Support senior management with advice on existing risk exposures and future risk direction, while considering macroeconomic and financial conditions.
• Identify high-risk sectors, industries, and customer groups, and recommend timely actions to reduce, diversify, or shift those risks.
• Independently assess whether proposed products or transaction pricing fit within the risk tolerance set by senior management.
• Implement KPIs and portfolio risk performance best practices.
• Promote efficiency, cost awareness, and productivity to reduce waste and improve value for the bank.
• Work within the authority delegated to the position.
• Coordinate with Compliance to stay updated on regulatory changes affecting risk and assess their impact on portfolio risk profiles.
• Support customers with product-related queries and help resolve their requests.
• Work in line with SLAs with internal teams to improve turnaround times.
• Develop and maintain strong working relationships with relevant departments to support group objectives.
• Provide accurate and timely information to internal/external auditors, Compliance, Financial Control, and Risk teams when needed.
• Review and recommend improvements to portfolio management methods and procedures for domestic and overseas business, aligned with changing market conditions, Basel recommendations, and QCB or host-regulator rules.
• Create a process for regular reporting of portfolio quality trends to the relevant management levels.
• Work with Credit and other division heads to set portfolio limits by sector, industry, product, currency, country, region, and other dimensions for approval and concentration control.
• Coordinate with internal teams to ensure the bank has the tools, systems, and MI reports needed to monitor limits, excesses, overdue loans, expired facilities, ratings-based advance classification, related-party exposure, and credit concentration.
• Help identify unwanted credit concentration and support the introduction of new portfolio credit risk management technologies.
• Review credit concentration by asset segment, including facilities, industries, overdue ageing, and collateral coverage.

Knowledge and professional expectations

• Strong command of portfolio credit risk management best practices, including Basel II and Basel III frameworks.
• Ongoing self-development and a proactive approach to staying current in the field.
• Ability to adapt and learn as professional practices evolve.

Legal, regulatory, and risk framework responsibilities

• Follow all legal, regulatory, and internal compliance requirements, including AML/CTF, sanctions, data protection, fraud control, whistleblowing, conflict of interest, and insider dealing policies.
• Apply the Three Lines of Defence model effectively to identify, measure, monitor, manage, and report risks.
• Support positive client outcomes in line with Conduct Risk policy.
• Contribute to RCSA, KRI, incident reporting, and remediation in line with operational risk requirements.
• Maintain the knowledge and competence required for the role and complete all mandatory training.
• Attend mandatory internal and external seminars as directed by the bank.

Other requirements and expectations

• Protect data and maintain strict confidentiality over sensitive business and customer information.
• Share information only on a strict need-to-know basis with senior management, Audit, Compliance, and relevant regulators.
• Maintain professional standards that support QNB’s reputation and market leadership.
• Handle additional related duties as assigned by management from time to time.
• Demonstrate the ability to set, plan, and deliver short- and long-term goals.
• Work independently while also contributing effectively as part of a team.

Education and experience

A bachelor’s degree is preferred in Marketing, Banking, Finance, Accounting, Economics, Business Administration, Information Technology, or a related discipline. Professional qualifications such as FRM, CPA, or CFA are considered an advantage. The role requires at least 10 years of experience in international banking, with a specific focus on credit risk and portfolio management.

Application documents

• Resume or CV
• Copy of passport or QID
• Copy of education certificate