Associate, Retail Recovery Control (Qatarization)

About QNB Group

Founded in 1964 as Qatar’s first locally owned commercial bank, QNB Group has expanded into the largest banking group in the Middle East and Africa. Through its subsidiaries and associate companies, it operates in more than 31 countries across three continents and offers a broad suite of modern products and services. The group serves up to 20 million customers, employs over 28,000 people, and runs through 1,000 locations supported by an ATM network of 4,300 machines.

QNB is consistently rated among the region’s strongest banks by major credit rating agencies, including Standard & Poor’s (A), Moody’s (Aa3), and Fitch (A+). It has also received numerous recognitions from international financial publications and is ranked as the most valuable banking brand in the Middle East and Africa by Brand Finance Magazine. The group also supports community initiatives and sponsors social, educational, and sporting events.

Role Overview

The Associate, Retail Recovery Control will support the handling of delinquent retail accounts within QNB’s retail non-performing loan portfolio. The role focuses on reducing overdue exposure through structured recovery actions such as repayment restructuring, collection follow-up, and collateral liquidation strategies. The portfolio may include overdue personal loans, credit card balances, vehicle loans, and mortgage loans.

This position works closely with the Retail Collection Unit and coordinates with legal teams, police authorities, external collection agencies, and other internal stakeholders to ensure accounts are managed in line with approved remedial strategies, bank procedures, and regulatory expectations. The role also involves monitoring collection activities, supervising recovery execution, and producing portfolio and case-status reports for management and control functions.

Key Responsibilities

• Apply approved recovery strategies to lower the bank’s overdue retail exposure and reduce losses.
• Review portfolio performance by delinquency bucket and recommend actions to improve collection outcomes, especially for higher-risk overdue accounts.
• Take early corrective steps on lower-stage delinquencies to prevent accounts from moving into more serious default categories.
• Contribute to the review and updating of policies and procedures so they remain effective for current business and market conditions.
• Support restructuring and rescheduling of defaulted accounts by obtaining the required approvals, negotiating with customers, and tracking agreed actions to completion.
• Assist with collection, provisioning, and control activities in line with QNB policies, QCB requirements, accounting standards, and industry practices.
• Work with business units, credit risk officers, internal teams, and third-party agents to pursue collection goals.
• Meet assigned benchmark levels and KPIs for retail recovery control and support the implementation of best practices.
• Build a strong understanding of each assigned NPL case through file review, customer/deal assessment, and site visits where needed.
• Use market intelligence and external checks to identify emerging risks and customer issues quickly.
• Maintain close working relationships with retail collections, legal, external consultants, officials, and other stakeholders involved in recovery efforts.
• Track customer activity and whereabouts through relevant contacts and available information sources.
• Support the processes used to contact defaulting customers, issue reminders, and initiate charges or other recovery actions where applicable.
• Coordinate with retail banking, asset and wealth management, and early warning teams to identify non-performing customers promptly.
• Gather updated information on defaulted accounts using available sources such as credit bureaus, other bankers, suppliers, buyers, competitors, and other relevant third parties.
• Transfer eligible overdue accounts to the Retail Collection Unit for active management when business-area recovery attempts have been exhausted.
• Monitor collection-unit activity to ensure implementation of the agreed recovery plan and compliance with bank policy and regulatory standards.
• Notify legal personnel early, share supporting documentation, and help establish the legal and collateral position for recovery action.
• Review legal documentation, confirm and revalue collateral, and assess market value and liquidation potential of pledged assets.
• Recommend and oversee the use of reputable external debt collectors, especially for overseas defaulters, and evaluate their performance.
• Recommend external legal counsel or escalation to police authorities/courts for complex, high-value, or uncooperative cases.
• Prepare legal notices when required and ensure they are cancelled once cases are resolved.
• Track cases handled by external agents, legal counsel, police, or courts and provide periodic progress updates.
• Carry out restructuring actions such as tenor extensions, interest reversals, interest-rate reductions, reactivation of credit cards, and booking of loan-loss provisions, within delegated authority and approval limits.
• Manage public auction processes while maintaining independence in bid selection and evaluation.
• Ensure accurate loan-loss provisioning in accordance with senior management approvals and QCB requirements.
• Produce timely reports on delinquent accounts, recovery status, and control activities for senior management, audit, compliance, legal, and regulatory stakeholders.
• Maintain strict confidentiality, uphold data protection standards, and complete all required training and seminars.
• Handle additional ad hoc duties related to QNB’s recovery control activities as assigned by management.

Legal, Regulatory, and Risk Expectations

• Comply with all applicable legal, regulatory, and internal compliance requirements, including AML/CTF, sanctions, data protection, fraud control, whistleblowing, conflict of interest, and insider dealing policies.
• Operate in line with the Three Lines of Defence model and contribute to risk identification, monitoring, reporting, and remediation.
• Support Conduct Risk, RCSA, KRI, incident reporting, and operational risk processes as required.
• Maintain the knowledge and competence needed to perform the role effectively.
• Complete mandatory internal and external training and attend seminars when instructed.

Additional Information

The role is based in Doha, Qatar, and is a full-time onsite position. The job is intended for a Qatarization candidate. QNB expects the incumbent to maintain the highest professional standards, protect sensitive bank and customer information, and contribute to the bank’s reputation and market leadership.

The position also includes responsibility for identifying delinquent customers and working closely with the Retail Banking Division’s Collection Unit to contain, reduce, and recover the bank’s non-performing loan exposure through workable repayment arrangements, active follow-up, legal action where necessary, and enforcement of security interests when available.

Required Profile

The source does not specify a fixed education level or years of experience. The role clearly calls for strong knowledge of retail collections, recovery control, regulatory compliance, legal coordination, collateral assessment, reporting, and stakeholder management in a banking environment.

Workplace Expectations

High confidentiality, strong control discipline, cost awareness, productivity focus, and consistent adherence to internal procedures are essential for success in this position.