24 Banking Risk jobs in Qatar

Overview

Aramco energizes the world economy.

Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco’s value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations’ spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom’s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures.

You will be also required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.

As a successful candidate, you will have:

• A Bachelor’s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models
• In-depth knowledge of qualitative and quantitative credit assessments
• Extensive experience analyzing financial statements
• Ability to meet tight deadlines to submit credit recommendations to management
• Advanced proficiency in Microsoft Excel including Excel models

• Title : Assoc of Chartered Certified Accountant (ACCA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Financial Analyst (CFA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Internal Auditor (CIA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: Certification in the areas of internal audit & practice
• Title : Certified Management Accountant (CMA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Public Accountant (CPA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Saudi Org of Certified Public Accountant (SOCPA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: Certification in the areas of accounting & Auditing Standards

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world’s biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs – one of the largest in the world.

Country/Region: SA

Are you a seasoned credit risk professional ready to shape the future of risk evaluation in a dynamic banking environment? Join our team as a Manager - Credit Risk Evaluation , where you'll lead strategic credit reviews across our Institutional Banking Group (IBG), Treasury, and Wholesale Banking functions.

What You'll Do :

• Lead the development and execution of credit evaluation strategies aligned with our organizational goals
• Oversee corporate and SME credit assessments to mitigate risk and minimize losses
• Ensure compliance with internal policies and QCB regulatory guidelines
• Review and recommend credit applications, assessing financial and operational risks
• Guide and mentor Credit Risk Analysts in financial analysis, credit grading, and risk management
• Conduct client meetings and site inspections to support credit decisions
• Build strong relationships with internal and external stakeholders
• Prepare management reports and contribute to recruitment and performance reviews

What You Bring :

• Bachelor's degree in Business, Banking, Finance, or related field (Master's preferred)
• 15 years of experience in financial services or banking, with a focus on credit review and analysis
• Familiarity with QCB regulatory frameworks is a strong advantage
• Proven leadership and team development skills
• Strong analytical thinking and decision-making capabilities
• Excellent communication and relationship management

Are you a seasoned credit risk professional ready to shape the future of risk evaluation in a dynamic banking environment? Join our team as a Manager – Credit Risk Evaluation , where you'll lead strategic credit reviews across our Institutional Banking Group (IBG), Treasury, and Wholesale Banking functions.

What You’ll Do :

• Lead the development and execution of credit evaluation strategies aligned with our organizational goals
• Oversee corporate and SME credit assessments to mitigate risk and minimize losses
• Ensure compliance with internal policies and QCB regulatory guidelines
• Review and recommend credit applications, assessing financial and operational risks
• Guide and mentor Credit Risk Analysts in financial analysis, credit grading, and risk management
• Conduct client meetings and site inspections to support credit decisions
• Build strong relationships with internal and external stakeholders
• Prepare management reports and contribute to recruitment and performance reviews

What You Bring :

• Bachelor’s degree in Business, Banking, Finance, or related field (Master’s preferred)
• 15 years of experience in financial services or banking, with a focus on credit review and analysis
• Familiarity with QCB regulatory frameworks is a strong advantage
• Proven leadership and team development skills
• Strong analytical thinking and decision-making capabilities
• Excellent communication and relationship management

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!

To manage the whole retail credit risk portfolio building strong lending capabilities (accordingly with the requirements of the Strategic Plan - specially in Mortgages). The Head of Retail Credit has end-to-end responsibilities for the credit risk management activities regarding the consumer, mortgages and SME's. The incumbent will be responsible for the quality and risk-adjusted profitability of the retail lending portfolios (new origination and stock) and for close monitoring of performance and ongoing improvement of risk strategies.

• Change the profile of the team to a more quantitative/analytical skills set to enhance the transformation of the function.
• Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
• Provide on-the-job training and constructive feedback to subordinates to support their overall development.
• Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified.
• Review and derive appropriate credit processes in accordance to the bank's policies, business strategies and statutory/regulatory requirements (TARGET OPERATING MODEL).
• Work with other counter-parties to ensure the credit policies and guidelines are implemented properly.
• Lead the definition of the retail credit risk strategy, the adoption of credit risk framework and the credit risk exposure monitoring. Collections and recoveries and control schemes.
• Recommend and support setting of credit risk appetite metrics and associated limits specific to the retail business.
• Maintain the effectiveness of retail credit risk policies and lending standards (including scorecards cut-off level).
• Keep abreast of the latest development in credit policies in the market and provide input for updating of the bank's corporate policy manual.
• Ensure effective ownership on the retail credit risk models (with highly data management focus)
• Enhance the launch of new products and acquisitions of new clients.
• Build a strong risk/retail partnership that will deliver superior customer experience.
• Recommend & approve Retail Banking credit applications with excesses/exceptions, as per Board's approved DOA, within defined TAT, by conducting own assessment and managing team of Credit Risk Managers, Officers & Analysts in the process.
• Control of the credit monitoring in different dimensions (product, segment, population, vintages, )
• Control of the provisions (staging, parameters, charges, ) and NPL's.
• Oversee timely and appropriate remedial action on poorly performing accounts establishing the appropriate recoveries management strategies and policies.

Minimum Qualifications:

Bachelor degree, preferably in business-related or Math, Engineering,Science.

Minimum Experience:

15 years relevant experience in retail banking sectors including at least 5 years in positions of progressively increasing managerial responsibilities.

Knowledge, & Other skills:

Planning and organizing skills
Interpersonal skills
Communication skills
Influencing and Negotiation skills
Numerical skills
Leadership skills
Bilingual (Arabic & English)

• Best Performing Bank in Qatar in The Banker's prestigious Top 1000 World Banks Rankings 2025.
• Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
• An 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 on Employee 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
• A strong 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.

Disclaimer: We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.

About Commercial Bank, founded in 1975 and headquartered in Doha , offers 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!

To manage the whole retail credit risk portfolio building strong lending capabilities (accordingly with the requirements of the Strategic Plan - specially in Mortgages). The Head of Retail Credit has end-to-end responsibilities for the credit risk management activities regarding the consumer, mortgages and SME's.

The incumbent will be responsible for the quality and risk-adjusted profitability of the retail lending portfolios (new origination and stock) and for close monitoring of performance and ongoing improvement of risk strategies.

• Change the profile of the team to a more quantitative / analytical skills set to enhance the transformation of the function.
• Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
• Provide on-the-job training and constructive feedback to subordinates to support their overall development.
• Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs / revenues and areas of unsatisfactory performance are identified.
• Review and derive appropriate credit processes in accordance to the bank's policies, business strategies and statutory / regulatory requirements (TARGET OPERATING MODEL).
• Work with other counter-parties to ensure the credit policies and guidelines are implemented properly.
• Lead the definition of the retail credit risk strategy, the adoption of credit risk framework and the credit risk exposure monitoring. Collections and recoveries and control schemes.
• Recommend and support setting of credit risk appetite metrics and associated limits specific to the retail business.
• Maintain the effectiveness of retail credit risk policies and lending standards (including scorecards cut-off level).
• Keep abreast of the latest development in credit policies in the market and provide input for updating of the bank's corporate policy manual.
• Ensure effective ownership on the retail credit risk models (with highly data management focus)
• Enhance the launch of new products and acquisitions of new clients.
• Build a strong risk / retail partnership that will deliver superior customer experience.
• Recommend & approve Retail Banking credit applications with excesses / exceptions, as per Board's approved DOA, within defined TAT, by conducting own assessment and managing team of Credit Risk Managers, Officers & Analysts in the process.
• Control of the credit monitoring in different dimensions (product, segment, population, vintages, )
• Control of the provisions (staging, parameters, charges, ) and NPL's.
• Oversee timely and appropriate remedial action on poorly performing accounts establishing the appropriate recoveries management strategies and policies.

Minimum Qualifications :

Bachelor degree, preferably in business-related or Math, Engineering,Science.

Minimum Experience :

15 years relevant experience in retail banking sectors including at least 5 years in positions of progressively increasing managerial responsibilities.

Knowledge, & Other skills :

• Planning and organizing skills
• Interpersonal skills
• Communication skills
• Influencing and Negotiation skills
• Numerical skills
• Leadership skills
• Bilingual (Arabic & English)

• Best Performing Bank in Qatar in The Banker's prestigious Top 1000 World Banks Rankings 2025.
• Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
• An 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 on Employee 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
• A strong 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.

We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.

Career Opportunities: Head of Retail Credit Risk (7383)

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!

To manage the whole retail credit risk portfolio building strong lending capabilities (accordingly with the requirements of the Strategic Plan – specially in Mortgages). The Head of Retail Credit has end-to-end responsibilities for the credit risk management activities regarding the consumer, mortgages and SME’s. The incumbent will be responsible for the quality and risk-adjusted profitability of the retail lending portfolios (new origination and stock) and for close monitoring of performance and ongoing improvement of risk strategies.

• Change the profile of the team to a more quantitative/analytical skills set to enhance the transformation of the function.
• Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
• Provide on-the-job training and constructive feedback to subordinates to support their overall development.
• Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified.
• Review and derive appropriate credit processes in accordance to the bank's policies, business strategies and statutory/regulatory requirements (TARGET OPERATING MODEL).
• Work with other counter-parties to ensure the credit policies and guidelines are implemented properly.
• Lead the definition of the retail credit risk strategy, the adoption of credit risk framework and the credit risk exposure monitoring. Collections and recoveries and control schemes.
• Recommend and support setting of credit risk appetite metrics and associated limits specific to the retail business.
• Maintain the effectiveness of retail credit risk policies and lending standards (including scorecards cut-off level).
• Keep abreast of the latest development in credit policies in the market and provide input for updating of the bank's corporate policy manual.
• Ensure effective ownership on the retail credit risk models (with highly data management focus)
• Enhance the launch of new products and acquisitions of new clients.
• Build a strong risk/retail partnership that will deliver superior customer experience.
• Recommend & approve Retail Banking credit applications with excesses/exceptions, as per Board’s approved DOA, within defined TAT, by conducting own assessment and managing team of Credit Risk Managers, Officers & Analysts in the process.
• Control of the credit monitoring in different dimensions (product, segment, population, vintages,….)
• Control of the provisions (staging, parameters, charges,.) and NPL’s.
• Oversee timely and appropriate remedial action on poorly performing accounts establishing the appropriate recoveries management strategies and policies.

Minimum Qualifications:

Bachelor degree, preferably in business-related or Math, Engineering,Science.

Minimum Experience:

15 years relevant experience in retail banking sectors including at least 5 years in positions of progressively increasing managerial responsibilities.

Knowledge, & Other skills:

Planning and organizing skills
Interpersonal skills
Communication skills
Influencing and Negotiation skills
Numerical skills
Leadership skills
Bilingual (Arabic & English)

• Best Performing Bank in Qatar in The Banker’s prestigious Top 1000 World Banks Rankings 2025.
• Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
• An 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 on Employee 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
• A strong 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.

Disclaimer: We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.

About Commercial Bank of Qatar

About Commercial Bank, founded in 1975 and headquartered in Doha , offers 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!

To manage the whole retail credit risk portfolio building strong lending capabilities (accordingly with the requirements of the Strategic Plan – specially in Mortgages). The Head of Retail Credit has end-to-end responsibilities for the credit risk management activities regarding the consumer, mortgages and SME’s.

The incumbent will be responsible for the quality and risk-adjusted profitability of the retail lending portfolios (new origination and stock) and for close monitoring of performance and ongoing improvement of risk strategies.

• Change the profile of the team to a more quantitative / analytical skills set to enhance the transformation of the function.
• Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
• Provide on-the-job training and constructive feedback to subordinates to support their overall development.
• Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs / revenues and areas of unsatisfactory performance are identified.
• Review and derive appropriate credit processes in accordance to the bank's policies, business strategies and statutory / regulatory requirements (TARGET OPERATING MODEL).
• Work with other counter-parties to ensure the credit policies and guidelines are implemented properly.
• Lead the definition of the retail credit risk strategy, the adoption of credit risk framework and the credit risk exposure monitoring. Collections and recoveries and control schemes.
• Recommend and support setting of credit risk appetite metrics and associated limits specific to the retail business.
• Maintain the effectiveness of retail credit risk policies and lending standards (including scorecards cut-off level).
• Keep abreast of the latest development in credit policies in the market and provide input for updating of the bank's corporate policy manual.
• Ensure effective ownership on the retail credit risk models (with highly data management focus)
• Enhance the launch of new products and acquisitions of new clients.
• Build a strong risk / retail partnership that will deliver superior customer experience.
• Recommend & approve Retail Banking credit applications with excesses / exceptions, as per Board’s approved DOA, within defined TAT, by conducting own assessment and managing team of Credit Risk Managers, Officers & Analysts in the process.
• Control of the credit monitoring in different dimensions (product, segment, population, vintages,….)
• Control of the provisions (staging, parameters, charges,.) and NPL’s.
• Oversee timely and appropriate remedial action on poorly performing accounts establishing the appropriate recoveries management strategies and policies.

Minimum Qualifications :

Bachelor degree, preferably in business-related or Math, Engineering,Science.

Minimum Experience :

15 years relevant experience in retail banking sectors including at least 5 years in positions of progressively increasing managerial responsibilities.

Knowledge, & Other skills :

• Planning and organizing skills
• Interpersonal skills
• Communication skills
• Influencing and Negotiation skills
• Numerical skills
• Leadership skills
• Bilingual (Arabic & English)

• Best Performing Bank in Qatar in The Banker’s prestigious Top 1000 World Banks Rankings 2025.
• Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
• An 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 on Employee 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
• A strong 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.

We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.