Senior Product Owner and Implementation Director - Enterprise Limit Management
About the role
Senior Product Owner and Implementation Director – Enterprise Limit Management System (Senior Consultant) Location: UAE Contract: 1–2 Year Contract Role Purpose The Senior Product Owner and Implementation Director – 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 through implementation and stabilization, ensuring regulatory compliance, architectural soundness, operational resilience, and enterprise scalability, while managing scope, budget, governance, end to end delivery, vendors, and cross‑borders execution. Key Accountabilities 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