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Credit Manager

JR-03654

Full time

Permanent

Mandarin Oriental, Doha

Mandarin Oriental, Doha is looking for a Credit Manager to join our Finance team.

Are you a master of craft? Do you thrive in a team that succeeds together, demonstrating integrity and respect while acting responsibly? Do you embrace a growth mindset? We invite you to become a fan of the exceptional.

Mandarin Oriental is the award-winning owner and operator of some of the most luxurious hotels, resorts and residences located in prime destinations around the world, with a strong development pipeline. Increasingly recognised for creating some of the world's most sought-after properties, the Group provides legendary service inspired by Asian heritage whilst representing the very cutting-edge of luxury experiences.

Mandarin Oriental, Doha is an intimate and stylish urban retreat, blending Qatari-influenced heritage with modern design. Located in the heart of Msheireb Downtown Doha, within walking distance to Souq Waqif, Museum of Islamic Art and a short distance to the business district, West Bay.

The Credit Manager maintains proper credit procedures throughout the hotel in accordance with both local and corporate policies and procedures. To control and monitor prompt billing and collection of all accounts receivable items in order to maintain the lowest possible level of outstanding accounts at all times. Primarily responsible for the hotel debtor's function: processing credit applications, invoicing, debt collection, AR cashiering, reconciliations and month-end requirements.

As Credit Manager, you will be responsible for the following duties:

• Establish and maintain local credit policies and procedures regarding billing, collection, credits cards, inquiries, cheque encashing, etc.
• Ensure all departments within the hotel conform to the established guidelines for credit and collection policies and procedures.
• Working closely and communicating with Room Sales, Events, Front Office and Restaurants colleagues.
• Must have thorough knowledge of all policies and procedures as they relate to credit and receivables.
• Must work in a safe, prudent, and organized manner.
• Must have a commitment to follow all local corporate policies and procedures as they relate to credit and receivables.
• Investigate fully all requests for billing and function as final authority over credit approval.
• Inspect all in-house accounts (PM and PX) to ensure adherence to the hotels' credit policy; assist with the collection efforts of these accounts where necessary.

As Credit Manager, we expect from you:

• Minimum of 2-3 years' experience as Credit Manager or Accounts Receivable Manager in a similar capacity in a hotel.
• Pre-opening experience preferred
• Able to work in a pre-opening environment
• Excellent communication skills within the organization. Proactive communicator.
• High managerial/supervisory skills to meet and focus on deadlines, planning ahead, result driven and also flexible

Our commitment to you

• Learning & Development. Your success is our success. We craft unique learning and development programmes for various stages in your career so that you grow, continuously.
• MOstay. When you work as hard as our colleagues do, it's important to take time off. As a member of the #MOfamily, you can stay with us wherever you go in the world. The MOstay programme offers complimentary nights and additionally attractive rates on rooms for you and your loved ones.
• Heath & Colleague Wellness. Finding the right work-life balance is important. Your wellbeing matters to us. A variety of health benefits and wellness programmes are offered to all our colleagues, globally.
• Retirement Plans. When you show commitment to us, we reciprocate. We offer different retirement plans depending on the length of your service and your role.
• A competitive salary and benefits packages
• Transportation and Housing provided
• Relocation and Vacation Tickets

We're Fans. Are you?

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.

We are seeking an experienced
Portfolio Manager – Asset Management
to lead the development and execution of investment strategies across multiple asset classes.

The successful candidate will be responsible for managing client portfolios, optimizing asset allocation, and ensuring alignment with the firm's investment objectives and risk appetite.

Key Responsibilities:

• Develop and implement portfolio strategies to achieve targeted investment performance.
• Manage and monitor asset portfolios, ensuring compliance with investment policies and regulatory requirements.
• Conduct market and economic analysis to identify investment opportunities and risks.
• Provide strategic input on asset allocation, sector positioning, and security selection.
• Prepare regular performance reports and present insights to senior management and clients.
• Collaborate with internal teams to support business development and product innovation initiatives.
• Responsible for developing and executing strategies of portfolios across equities
• Responsible for day to day management of securities funds and client portfolios.
• Spearhead raising target AuMs on equities.
• Develop and oversee products/services to meet needs of institutional/HNWI clients.
• Primary relationship manager for key institutional customers in relation to equities.
• Proactively seek to build relationships to attract new investors clients.

Qualifications & Requirements:

• Bachelor's degree in Finance, Economics, or related field; a relevant Master's degree or professional certification (e.g., CFA) is preferred.
• Minimum of 15 years of relevant experience in asset management, including proven expertise in portfolio construction and management.
• Strong analytical, strategic thinking, and leadership skills.
• Excellent communication and stakeholder management abilities.

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.

Job Purpose

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.

Key Responsibilities

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.

Minimum Requirements

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

Certificates

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

Working environment

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

About Commercial Bank Of Qatar
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
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.

*Key Accountabilities *

• 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
*Qualifications, Experience, Knowledge & Other skills: *
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)

Why Commercial Bank?

• 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.

Job Summary:

We are seeking a
Senior Financial Planning and Analysis (FP&A) Analyst
with a strong background in the
EPC & oil and gas industry
to support strategic financial decision-making through data-driven insights and financial modeling. This role is key in developing forecasts, analyzing performance, and supporting budgeting processes for operational units across the business.

Key Responsibilities:

• Lead the
  annual budgeting
  ,
  quarterly forecasting
  , and
  long-range planning
  processes in coordination with operations, commercial, and corporate teams.
• Develop and maintain complex
  financial models
  , including scenario planning related to oil price volatility, production forecasts, and capital investments.
• Analyze actual performance against budgets/forecasts and provide variance analysis with actionable recommendations.
• Partner with business units (e.g., upstream, midstream, or downstream) to evaluate project economics, capital efficiency, and ROI metrics.
• Track and report on key performance indicators (
  KPIs
  ) and operational metrics.
• Prepare executive-level presentations, dashboards, and reports for the
  CFO, VP of Finance, and Board of Directors
  .
• Monitor industry trends, oil & gas price fluctuations, and geopolitical events to assess financial implications.
• Support
  M&A evaluations
  , joint venture financials, and investment appraisals, as needed.
• Ensure compliance with corporate policies, internal controls, and external reporting requirements (IFRS/GAAP).

Qualifications:

• Bachelor's degree in
  Finance
  ,
  Accounting
  ,
  Economics
  , or related field (MBA, CFA, or CPA preferred).
• 5–8+ years of progressive experience in
  financial planning & analysis
  , with at least
  3+ years in the oil & gas or energy sector
  .
• Strong understanding of industry financials across
  upstream
  ,
  midstream
  , or
  downstream
  value chains.
• Advanced proficiency in
  Microsoft Excel
  ,
  financial modeling
  , and reporting tools (e.g., Power BI, SAP, Oracle, Hyperion, or Anaplan).
• Strong presentation and communication skills with the ability to interact with senior stakeholders.
• Proven ability to manage multiple priorities, meet tight deadlines, and operate in a fast-paced, dynamic environment.