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    Associate & Senior Financial Auditor – Qatar | Ernst & Young

    Employment:

    Full Time

    Associate & Senior Financial Auditors – QatarFrom small businesses to some of the world’s best-known brands, our clients count on reliable financial statements, information and processes to inform their on-going strategies. More than ever, business is about interpreting and reacting to complex data – and they look to us for advice and services they can trust every time. You will use your professional skills and experience to make it happen, handling complex audit procedures across a broad range of industries and responsibilities. Our tailored external audit services help build trust and confidence through transparency, clarity and consistency. We are 79,000+ professionals based worldwide across 150 countries. Audit services involve reporting on the fairness in all material respects with which a client’s audited financial statements are presented, in conformity with the applicable financial reporting framework. The opportunity EY is looking for Associate and Senior Auditors to join from September 2021. In this role you will help our clients meet their requirements by accurately reporting on financial statements and providing meaningful insights into accounting and reporting matters. In return, you can expect leading class learning and development tailored to your unique interests and motivations. You will be given all the skills, knowledge and opportunities to progress and become ready to build a better working world for our people, our clients and the communities that support us. Your key responsibilities As a member of the Audit team, you’ll make a technical contribution to audit engagements and internal projects. You’ll actively establish internal and external relationships and identify and escalate potential business opportunities for Ernst & Young on existing engagements. With a clear focus on anticipating and identifying risks, you’ll escalate issues as appropriate. You’ll confirm that the work delivered to clients is of high quality and is reviewed by the next-level reviewer. During your travel to other GCC offices, you will work on specific projects or multiple projects depending on the size. Skills and attributes for success Pro- activity, accountability and results- driven people will flourish in this environment. Dealing with competing priorities, understanding how to manage resources and communicating effectively are key skills. This will have a huge impact on those around you and help promote a positive work ethic.

    To qualify for the role, you must have – A degree in accounting, finance, commerce or related field, or be undertaking a professional qualification, such as ACCA, CA, ACA, CPA – At least two years of professional experience in external financial audit Ideally, you’ll also have – Completed a professional qualification, such as ACCA, CA, ACA, CPA – Track record with an international audit firm – Proficiency in the Arabic language What we look for We are interested in entrepreneurs who have the confidence to develop and promote a brand-new strategic vision both internally and externally. You will be business savvy with a passion for innovation as well as the motivation to create your own EY journey. If you have significant experience gaming technology and are passionate about improving the performance of businesses, this is the role for you. What we offer We offer a competitive compensation package where you’ll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer: – Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next. – Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way. – Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs. – Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs. If you can demonstrate that you meet the criteria above, please contact us as soon as possible. The exceptional EY experience. It’s yours to build. EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

    EY is a global leader in assurance, tax, transaction and advisory services. The insights and quality services we deliver help build trust and confidence in the capital markets and in economies the world over. We develop outstanding leaders who team to deliver on our promises to all of our stakeholders. In so doing, we play a critical role in building a better working world for our people, for our clients and for our communities.

    EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients. Information about how EY collects and uses personal data and a description of the rights individuals have under data protection legislation are available on our site.

    The MENA practice of EY has been operating in the region since 1923. For over 95 years, we have grown to over 7,500 people united across 21 offices and 16 countries, sharing the same values and an unwavering commitment to quality. As an organization, we continue to develop outstanding leaders who deliver exceptional services to our clients and who contribute to our communities. We are proud of our accomplishments over the years, reaffirming our position as the largest and most established professional services organization in the region More

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    Business Setup Sales Adviser | Creative Zone

    Employment:

    Full Time

    The UAE’s award-winning Business Setup Consultancy, Creative Zone has now extended its advisory solutions to KSA by providing an end-to-end solution, right from setting up a business to help growing and sustaining them within the region.Due to this exciting growth we are looking for dynamic sales professionals from the industry to join us and make a real impact driving new business in KSA. Your responsibilities will include:- Structuring high impact solutions for clients in business setup and company formation- Facilitating and participating in meetings with key client stakeholders to develop an understanding of their business- Generating awareness of the product and services offered related to business setup- Ensuring the client receives the necessary assistance to carry out their desired business- Presenting recommendations to clients regarding the business opportunities and advantages of starting business in KSA.- Providing excellent service and support to clients to keep them regularly updated- Completing all administration duties associated with the role as required- Updating internal CRM process and systems- Communicating regularly with Operations and Client Relations departments- Preparing and presenting monthly sales reports and participating in meetings as required- Developing cultural awareness activities to improve opportunities in the market- Contributing to the development of marketing materials and sales promotions- Attending networking events to promote our services- Participating in team meetings, working in partnership with colleagues

    To join our team you will have:- Bachelors Degree qualified in a relevant discipline- KSA National Citizenship.- Experience in business setup / company formation is preferred.- Proven sales experience in a target driven, KPI focused environment- Strong networking skills, able to demonstrate your business development capability- Passion for achieving results and exceeding targets- Initiative and commitment, able to manage clients independently- Exceptional communication skills in Arabic and English, other languages are also desirable but not essential- Currently based in KSA.

    Welcome to CREATIVE ZONE!

    We are a team of company registration professionals who are passionate about bringing the dreams of aspiring entrepreneurs and SME’s to life.

    We believe in providing you not only with your company’s documentation, but also equipping you with the necessary tools to promote, develop and grow your business.

    We are a business setup company with a difference – our work doesn’t end with the issuance of your trade license & residency visa – it starts there! More

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    Senior Consultant – Global Compliance & Reporting – Saudi National | Ernst & Young

    Employment:

    Full Time

    Our globally coordinated tax professionals offer connected services across all tax disciplines to help our clients thrive in an era of rapid change. We combine our exceptional knowledge and experience with the people and technology platforms that make us an ideal partner for all their tax-related needs. In Tax, we equip clients to make better business decisions by bringing insights to the forefront. We help companies understand the tax policies and tax laws of governments around the world to plan and comply accordingly. Our teams leverage transformative technologies to deliver strategy and execution, from tax and regulatory obligations to operations and workforce management, to reduce risk and drive sustainable value. Tax has six sub-service lines which cover a wide range of issues: Business Tax Services, Global Compliance and Reporting, Global Law, Indirect Tax, International Tax and Transaction Services and People Advisory Services. The opportunity Our GCR tax service line operates as a team of highly experienced tax professionals who focus on delivering efficient and effective resources to companies in the region. Our goal is to improve quality, manage risk, create efficiency and drive value. Our market leading approach combines standard and efficient processes, highly effective tools and an extensive network of local tax and accounting professionals. Our clients benefit from an integrated, consistent, and flexible quality service to address direct and indirect tax compliance, statutory accounting and financial reporting, and tax accounting. As part of a MENA team, you will be providing high quality services to clients across a range of industries. You will look after service delivery, coordination, issue resolution, and contract management of large-scale projects where you will need to execute the delivery of tax services by EY teams in the region. Your key responsibilities You will work hand in hand with our tax and accounting professionals to help deliver our clients’ compliance and reporting needs. You will also establish, maintain and strengthen internal and external relationships with clients to help ensure that the services delivered are of the highest standards and are done on time. You will be responsible for the day-to-day execution of client engagements, monitor progress and deliverables, partake in the necessary standardized processes, anticipate and identify risks, escalate issues as appropriate and follow performance-improvement solutions. In addition to the above, you will be supporting the team in marketing and business development initiatives to grow our GCR client base in the region. You are also expected to support GCR proposals by providing assistance on fee gathering for corporate income tax, indirect tax, statutory accounts preparation, and bookkeeping. Skills and attributes for success If you are an excellent communicator and detail-oriented professional who is comfortable working across borders with a wide network of people and with large amount of data, you will be perfect for the role.

    To qualify for the role you must have – A bachelor’s degree with strong academic credentials in accounting, business, finance, taxation or any related essential fields. – Preferably an MBA, Masters or another related advanced degree and/or professional qualifications e.g. CA, CPA, ACCA, CTA, ADIT or equivalent qualification. – Strong knowledge and minimum 3 years of experience in tax compliance, financial reporting and ERP systems, ideally within a large professional services company or similar environment. Ideally, you will also have – Experience of dealing with multinational clients and ability to work in multi-cultural environment. – Excellent analytical, management and leadership skills. – Effective organization and time management skills with ability to work under pressure and adhere to project deadlines. – Ability to multitask and work efficiently in a fast-paced environment. What we look for Highly motivated individuals with excellent problem-solving skills and the ability to prioritize shifting workloads in a rapidly changing industry. An effective communicator, you’ll be a confident team player that collaborates with people from various teams while looking to develop your career in a dynamic organization. What we offer We offer a competitive compensation package where you’ll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer: – Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next. – Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way. – Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs. – Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs. If you can demonstrate that you meet the criteria above, please contact us as soon as possible. The exceptional EY experience. It’s yours to build. EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

    EY is a global leader in assurance, tax, transaction and advisory services. The insights and quality services we deliver help build trust and confidence in the capital markets and in economies the world over. We develop outstanding leaders who team to deliver on our promises to all of our stakeholders. In so doing, we play a critical role in building a better working world for our people, for our clients and for our communities.

    EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients. Information about how EY collects and uses personal data and a description of the rights individuals have under data protection legislation are available on our site.

    The MENA practice of EY has been operating in the region since 1923. For over 95 years, we have grown to over 7,500 people united across 21 offices and 16 countries, sharing the same values and an unwavering commitment to quality. As an organization, we continue to develop outstanding leaders who deliver exceptional services to our clients and who contribute to our communities. We are proud of our accomplishments over the years, reaffirming our position as the largest and most established professional services organization in the region More

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    Public Relations Associate for a Chinese company in Dubai (native-Mandarin speakers) | ADIV Human Resources Consultancy

    Employment:

    Full Time

    The CompanyOur client is is a Chinese company – a large international asset allocation management and investment institution.Key job purposeTo write and develop the PR content as well as integrate media resources.Key job responsibilities• Demonstrate proficiency in writing key strategic documents (e.g. key messages, PR materials, media brief, etc.).• Manage and strengthen relationships with key media.• Develop new media opportunities both online and offline.• Develop integrated PR plans.

    • Bachelor’s degree and/or above; degree in PR/communications preferred.• 1-2 years related PR experience in media field or in-house Communications/PR department in global companies.• Excellent written & verbal communication skills in English and Mandarin Chinese.• Good understanding and network in media.

    ADIV Human Resources Consultancy L.L.C.” is an Abu Dhabi based on-shore company and we operate with high standards and provide value-added services. We understand the volatility of the market and the change in the needs of its clients. Keeping this in mind, we hire only the best of Consultants whose exposure to the market and the region is of the highest standards. “ADIV Human Resources Consultancy L.L.C.” will make the talented people fit into the right place so that they can enhance their skills. We uphold this responsibility to fulfill our commitment as ‘Let’s make the solutions possible for all diversity of people’ More

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    Translator Associate, External Audit | Ernst & Young

    Employment:

    Full Time

    Translator Associate, External Audit – Amman, JordanFrom small businesses to some of the world’s best-known brands, our clients count on reliable financial statements, information and processes to inform their on-going strategies. More than ever, business is about interpreting and reacting to complex data – and they look to us for advice and services they can trust every time. You will use your professional skills and experience to make it happen, handling complex audit procedures across a broad range of industries and responsibilities.Our tailored external audit services help build trust and confidence through transparency, clarity and consistency. We are 79,000+ professionals based worldwide across 150 countries. Audit services involve reporting on the fairness in all material respects with which a client’s audited financial statements are presented, in conformity with the applicable financial reporting framework.The opportunity As a Translator in the Audit team, you will support document translation from English to Arabic and Arabic to English.Your key responsibilities As a Translator, you will convert written documents, such as financial statements, proposals, feasibility studies and government documents, from one language to another while maintaining the precise meaning of the original text. Translators may specialize in a particular language or in a particular field of work such as law, Audit.You will study source text to understand the meaning and convert it into another language to convey the original meaning, spirit and feeling, using dictionaries and other sources to determine meanings of words and phrases and to establish their closest equivalent in the target language. You will also revise translations done by others to ensure accuracy.

    Skills and attributes for success Pro- activity, accountability and results- driven people will flourish in this environment. Dealing with competing priorities, understanding how to manage resources and communicating effectively are key skills. This will have a huge impact on those around you and help promote a positive work ethic.To qualify for the role, you must have – Bachelor’s degree in the English Language , Accounting or business management – At least one year of professional experience in a translator role – Proficiency in Microsoft Word, Excel, PowerPoint, and Access – Fluent, business level English and Arabic speaking and writing skills Ideally, you’ll also have – Track record with a leading audit firm – Formal certificate of translation from local governing body – Fluency in French (reading, speaking and writing) What we look for We are interested in entrepreneurs who have the confidence to develop and promote a brand new strategic vision both internally and externally. You will be business savvy with a passion for innovation as well as the motivation to create your own EY journey. If you have significant experience in technology and are passionate about improving the performance of businesses, this is the role for you. What we offer We offer a competitive compensation package where you’ll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer:- Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next. – Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way. – Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs. – Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs. If you can demonstrate that you meet the criteria above, please contact us as soon as possible. The exceptional EY experience. It’s yours to build. EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate.Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

    EY is a global leader in assurance, tax, transaction and advisory services. The insights and quality services we deliver help build trust and confidence in the capital markets and in economies the world over. We develop outstanding leaders who team to deliver on our promises to all of our stakeholders. In so doing, we play a critical role in building a better working world for our people, for our clients and for our communities.

    EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients. Information about how EY collects and uses personal data and a description of the rights individuals have under data protection legislation are available on our site.

    The MENA practice of EY has been operating in the region since 1923. For over 95 years, we have grown to over 7,500 people united across 21 offices and 16 countries, sharing the same values and an unwavering commitment to quality. As an organization, we continue to develop outstanding leaders who deliver exceptional services to our clients and who contribute to our communities. We are proud of our accomplishments over the years, reaffirming our position as the largest and most established professional services organization in the region More

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    Government Relations Officer | Creative Zone

    Employment:

    Full Time

    The UAE’s award-winning Business Setup Consultancy, Creative Zone has now extended its advisory solutions to Qatar by providing an end-to-end solution, right from setting up a business to help growing and sustaining them within the region.Due to this exciting growth we are looking for an experienced Manager of Government Relations to join our new Public Relations Operations team in Qatar.Your responsibilities will include:- Collecting and giving regular updates on all work related Registration, License department and immigration standards from the government offices to keep the Operations Department well informed for any changes in procedures and rules.- Submitting and gathering all information related immigration to guarantee that the visas are handled and processed on time.- Making sure all businesses and trade Licenses are updated, follow-up official approvals and permits, to prevent unnecessary violations.- Accurately preparing and processing required legal documents like rent contract attestation in government agencies.- When the need arises, represent the company at different offices like but not limited to Airport, Embassies, Police Station, – – Ministries/Municipalities and other government Departments.- Acquiring visas from different Embassies in Qatar for staff members for business related travels.- Diligently verify, gather and research relevant information and procedures related to business activities that the clients wish to undertake under their trade licenses.- Accurately preparing and obtaining the necessary approvals from the government and semi-government authorities related to the activities that the clients wish to undertake under their trade licenses, and in relation to obtaining their trade licenses for their company.- Facilitating legal attestation from the Government Authorities.- Providing regular updates regarding standard operating procedures, rules and regulations and any other new information that can impact company operations.- Submitting and gathering all the documents required for new work and business visas, including residency permits and other visas, and guarantees that these are handled and processed on time.- Diligently following up official approvals and permits, to prevent unnecessary violations.- Accurately preparing and processing required legal documents like rent contract attestation in government agencies.Creative Zone is one of UAE’s largest and most trusted business setup advisory firms. Creative Zone’s registration professionals have helped over 44,000 aspiring entrepreneurs and SMEs grow their businesses in the UAE since its inception in 2010. Creative Zone was created with a simple yet revolutionary model for the UAE marketplace; to serve as a one-stop shop, from company registration with flexible payment plans, to offering value added services to help SMEs sustain and grow their businesses.

    Salary:
    AED
    15,000 to 17,000
    per month inclusive of fixed allowances.

    To join our team you will have:- Bachelor’s degree in a relevant discipline- Previous experience in managing government relations in Qatar.- Prior experience preparing and processing legal documents- Previous experience facilitating legal attestation from Government Authorities- Expert knowledge of all legal aspects of immigration, business and visa set up- Native Arabic speaking and fluent English- Excellent spoken English and well-developed Communication Skills- A self-starter with strong negotiating skills- Currently based in Qatar and available to start ASAP.

    Welcome to CREATIVE ZONE!

    We are a team of company registration professionals who are passionate about bringing the dreams of aspiring entrepreneurs and SME’s to life.

    We believe in providing you not only with your company’s documentation, but also equipping you with the necessary tools to promote, develop and grow your business.

    We are a business setup company with a difference – our work doesn’t end with the issuance of your trade license & residency visa – it starts there! More

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    Consulting, Economics & Sustainability – Senior Manager | PricewaterhouseCoopers

    Employment:

    Full Time

    Line of ServiceAdvisoryIndustry/SectorGPS X-SectorSpecialismEconomics and PolicyManagement LevelSenior ManagerJob Description & SummaryYou will be working within the Economics and Sustainability team (E&S). We are an analysis-driven team that uses economic principles and techniques to support the strategy and policy making process. We help governments and private sector organisations make better decisions, grounded in robust and compelling evidence. We provide the necessary foresight that help make and deliver critical business decisions and investments. We work across the Middle East for clients in a range of sectors, including but not limited to central government, real estate, energy and utilities, transport and health.The work we typically undertake includes:- Economic and fiscal policy analysis and development- Socio-economic impact assessment – Economic and financial modelling / forecastingWe are a new and rapidly growing business unit, capitalising on changing trends in the regional market. The team offers you the opportunity to develop and apply your knowledge of economics in a commercial environment to solve important problems for our public and private sector clients.To really stand out and make us ?t for the future in a constantly changing world, each and every one of us at PwC needs to be an authentic and inclusive leader, at all grades/levels and in all lines of service. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.As a Senior Manager, you’ll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to:- Experience in leading external projects in one of the following areas: economic impact assessment, macroeconomic analysis or forecasting, public finance management, economic policy development  – Proven experience of revenue under management or revenue generation of +$500k p.a – Experience in economic impact analysis or related modelling techniques  – Proven ability to structure issues and use analytical skills to solve complex problems – Ability to communicate complex concepts to a non-technical audience through written and oral communication in English and Arabic – Proficiency in MS Office and Google Suite is mandatory and experience in working with Stata, R, EViews, PowerBI, Tableau, or ThinkCell is preferred – Proven experience of delivering high-quality strategic engagements across multiple industries  – Strong interest and passion for developing, growing and leading a team through advanced coaching and mentoring, as well as proactive knowledge sharing – The ability and willingness to travel within the Middle East or where the project requirements dictate – Proven commitment to continuous learning  

    Qualifications/Educational background- Masters (preferable) – Economics and/or Public Policy  – Bachelor’s Degree in Economics or Econometrics Years of Exp- 9 – 12 years of experience in a similar industry/role, with at least 3-4 years in a Big4 or external consulting environment

    At PwC Middle East, we’ve set out an ambitious purpose and strive to live it everyday: to solve important problems and build trust in society.

    We’re a community of solvers that come together in unexpected ways to build trust and create sustained outcomes. We solve important problems, support one another as we grow, develop and build fulfilling careers.

    PwC provides industry-focused services for public and private clients across Assurance and Audit, Deals, Consulting, Tax and Legal. We draw on our development legacy that brings together the collective experience of over 7,000 people in our region with offices across 12 countries to solve for tomorrow.

    We’re striving to consistently deliver innovative work that builds trust and delivers sustained outcomes. And we’re proud of the strength that comes from all our different backgrounds and experiences and we value everyone’s uniqueness. We thrive in uncertainty, operate with integrity and leverage the diverse perspectives of our teams.

    If you’re looking for a place that fuels your ambition to make a difference, that matches your curiosity with continuous learning opportunities and reimagines ways of working to enable you to lead a more balanced life, then you’re a future PwCer. More

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    Business Setup Adviser | Creative Zone

    Employment:

    Full Time

    The UAE’s award-winning Business Setup Consultancy, Creative Zone has now extended its advisory solutions to Qatar by providing an end-to-end solution, right from setting up a business to help growing and sustaining them within the region.Due to this exciting growth we are looking for dynamic sales professionals from the industry to join us and make a real impact driving new business in Qatar.Your responsibilities will include:- Structuring high impact solutions for clients in business setup and company formation- Facilitating and participating in meetings with key client stakeholders to develop an understanding of their business- Generating awareness of the product and services offered related to business setup- Ensuring the client receives the necessary assistance to carry out their desired business- Presenting recommendations to clients regarding the business opportunities and advantages of starting business in Qatar.- Providing excellent service and support to clients to keep them regularly updated- Completing all administration duties associated with the role as required- Updating internal CRM process and systems- Communicating regularly with Operations and Client Relations departments- Preparing and presenting monthly sales reports and participating in meetings as required- Developing cultural awareness activities to improve opportunities in the market- Contributing to the development of marketing materials and sales promotions- Attending networking events to promote our services- Participating in team meetings, working in partnership with

    To join our team you will have:- Bachelors Degree qualified in a relevant discipline- Experience in business setup / company formation is essential.- Proven sales experience in a target driven, KPI focused environment- Strong networking skills, able to demonstrate your business development capability- Passion for achieving results and exceeding targets- Initiative and commitment, able to manage clients independently- Exceptional communication skills in English, other languages are also desirable but not essential- Currently based in Qatar.

    Welcome to CREATIVE ZONE!

    We are a team of company registration professionals who are passionate about bringing the dreams of aspiring entrepreneurs and SME’s to life.

    We believe in providing you not only with your company’s documentation, but also equipping you with the necessary tools to promote, develop and grow your business.

    We are a business setup company with a difference – our work doesn’t end with the issuance of your trade license & residency visa – it starts there! More