Senior ELMS Product

SeniorProduct Owner andImplementationDirector– Enterprise Limit Management System(Senior Consultant)

Location:
UAE
Contract: 1–2 Year Contract
Role Purpose
The Senior Product Owner andImplementationDirector – Enterprise Limit Management System is accountable for the end-to-end conceptualization, design, build, and enterprise rollout of the Bank's in-house Enterprise Limit Management System (ELMS), while providing program-level delivery leadership aligned to the Bank-wide Transformation Office practices.
This role combines deep product ownership for a complex, risk‐critical banking platform with senior transformation and program delivery accountability across business, risk, operations, and technology. The platform will serve as the strategic, centralized limit and exposure control system for the Bank, supporting corporate and institutional banking products across funded, non‐funded, contingent, treasury, trade finance, project finance, and structured finance portfolios.
The incumbent will lead the initiative from vision throughimplementation andstabilization, ensuring regulatory compliance, architectural soundness, operational resilience, and enterprise scalability, while managing scope, budget, governance,end to end delivery,vendors, and cross‐bordersexecution.
Key Accountabilities

• 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.
• Program & Transformation Delivery Leadership Provide end‐to‐end program delivery leadership for the ELMS initiative in line with Transformation Office governance standards. Develop andmaintainthe 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 andtimelyescalation.
• 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.
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