Senior Product Owner and Implementation Director - Enterprise Limit Management

Overview

Role Purpose

1. Product Ownership & Strategic Platform Leadership

• Own and drive the product vision, target architecture, roadmap, and delivery strategy for the Enterprise Limit Management System.
• Lead the end‑to‑end design and implementation of centralized capabilities covering:
• Facility-, borrower-, obligor-, subgroup-, and group‑level limits
• Industry, sector, country, issuer, cross‑border, and group exposure aggregation
• Large exposure, concentration, and regulatory threshold monitoring
• Funded, non‑funded, committed, uncommitted, and contingent exposure logic
• Credit Conversion Factor (CCF) treatment for off‑balance‑sheet exposures
• Collateral linkage, allocation, earmarking, haircut application, substitution, and release
• Margin lending and issuer risk calculations
• Multicurrency limits, utilizations, and FX impact handling
• Parent‑child hierarchies, sub‑limits, linked and shared limits
• Pre‑deal and post‑deal validations
• Breach detection, temporary excess, overrides, approvals, and escalation workflows
• Define and govern complex business rules and credit workflows, including:
• Cross‑border and transfer risk logic
• Country-of-risk assignment methodologies
• FI transaction approval and country workflows
• FI sell‑down processing and exposure redistribution
• PSRE calculation logic (CCF add‑on and Monte Carlo simulation based)
• Project finance exposure treatment (sponsor, paymaster, ultimate paymaster, contractor structures)
• Basel II / Supervisory Framework‑aligned exposure aggregation and large exposure control
• Covenant monitoring and early warning indicators
• Credit amendments, renewals, reviews, special assets, recoveries, and post‑sanction administration
• Translate credit policies, regulatory requirements, and internal governance standards into implementable rules, workflows, calculations, and control mechanisms.

2. Program & Transformation Delivery Leadership

• Provide end‑to‑end program delivery leadership for the ELMS initiative in line with Transformation Office governance standards.
• Develop and maintain the Program Master Plan, defining:
• Initiatives, milestones, dependencies, critical paths, and contingency actions
• Resource allocation across business, technology, risk, and operations
• Budget tracking and financial governance in partnership with Finance
• Lead delivery across all phases: design, build, integration, testing, rollout, and stabilization.
• Own and execute program governance, including:
• Steering Committees, project forums, and working groups
• Agenda setting, documentation, decision tracking, actions, and progress reporting
• Manage cross‑border execution across all countries where the solution is deployed.
• Ensure front‑to‑back transformation, coordinating Front, Middle, and Back Office participation to achieve true enterprise integration.
• Provide disciplined risk, issue, dependency, and change management, ensuring transparency and timely escalation.

3. Technology, Architecture & Integration Leadership

• Drive integration with:
• Loan Origination and Credit Workflow systems
• Core Banking platforms
• Trade Finance and Treasury systems
• Collateral Management platforms
• Customer Master and exposure source systems
• Ensure strong understanding of how:
• Limits, utilizations, balances, contingent exposures, provisions, and recoveries
• are sourced, reconciled, aggregated, and controlled across upstream systems.
• Engage closely with Architecture and Engineering teams on:
• APIs, integration patterns, and workflow orchestration
• Rules engines, data models, and calculation engines
• Real‑time or near‑real‑time processing and auditability
• Ensure the platform is scalable, configurable, secure, auditable, and enterprise‑grade.

4. Stakeholder & Vendor Management

• Has excellent presentation, senior stakeholders management track record and communication skills
• Act as the single senior interface across Business, Risk, Credit, Operations, Technology, Architecture, Finance, and external vendors.
• Manage vendor delivery, ensuring technical compliance, quality, timelines, and value realization.
• Partner with business leaders to shape solutions aligned to strategic objectives and reference architectures.
• Provide leadership in Agile and Hybrid delivery methodologies while ensuring delivery rigor.

5. Testing, Controls & Post‑Implementation Stability

• Define and oversee testing strategies, including:
• Complex exposure and aggregation scenarios
• Collateral allocation logic
• Workflow exceptions and regulatory edge cases
• End‑to‑end integration testing and UAT
• Ensure:
• Full compliance with Change, Release, Incident, and Security management processes
• Production stability and controlled post‑go‑live stabilization

6. Innovation & Advanced Analytics (Added Advantage)

• Leverage AI / ML techniques for:
• Limit utilization forecasting
• Exposure analytics and stress signals
• Early warning indicators
• Anomaly detection and intelligent risk monitoring

Requirements

• 20+ years of experience in banking product management, credit systems, lending platforms, risk systems, or large‑scale banking technology delivery.
• Proven experience designing, implementing, or transforming enterprise limit management systems in GCC and global banking environments.
• Strong exposure to UAE / GCC banking, regulatory expectations, and corporate and institutional credit practices.
• Hands‑on experience across:
• Corporate lending, FI, trade finance, project finance, structured finance
• Margin lending, bill discounting, LC, LG, contingent products
• Collateralized and structured lending

Core Competencies

• Deep credit, lending, collateral, and risk domain expertise
• End to End Delivery and implementation expertise in large complex programs
• Senior product ownership and strategic thinking
• Strong program and transformation delivery leadership
• Ability to bridge business, risk, and engineering effectively
• Excellent stakeholder, governance, and executive communication skills
• Strong analytical, documentation, presentation and problem‑solving capabilities
• Vendor negotiation and cross‑border team leadership

Preferred Qualifications

• Bachelor’s degree in Finance, Banking, Technology, Engineering, or Computer Science
• Master’s degree preferred
• FRM preferred
• CSPO or equivalent product certifications preferred
• Additional certifications in banking, risk, product, or enterprise technology delivery are an advantage