Key Responsibilities

Solution Architecture & Design

· Lead the solution design and architecture blueprint for the CRMS Solution covering functional and technical domains (Credit Risk and Enterprise Risk where applicable).

· Define end-to-end system architecture, including integration with Core Banking & LOS, Data Warehouse / Data Lake, Model Execution Engine (PD-LGD-EAD models), Collateral, Limits, and Exposure Systems, Reporting & Analytics layer and down-stream systems used for IFRS9 ECL , Capital computations, etc.

· Develop the Solution Design Document (SDD) outlining logical, application, and data architecture for the CRMS implementation.

Data Architecture & Integration

· Define data model and mapping for credit exposure, counterparty, and risk parameters aligned with bank’s data governance framework.

· Specify data lineage, transformation logic, and quality validation rules for all inbound and outbound data flows.

· Work with the Enterprise Data Management (EDM) and Data Governance teams to ensure data consistency across systems (CRMS, DWH, IFRS9, etc.).

Regulatory & Risk Compliance

· Ensure design compliance with CBUAE Credit Risk Management Standards (CRMS), Basel III/IV and IFRS9 data and model reporting requirements, Internal Model Risk Management (MRM) frameworks, and Audit trail, control, and segregation-of-duty requirements

Design Governance & Documentation

· Own and maintain the Solution Design Document (SDD), Interface Control Document (ICD), Data Flow Diagrams and Entity Relationship Diagrams (ERDs), Integration & Environment Architecture, Traceability Matrix (linking requirements to design components).

Skills & Experience Required

Technical & Functional Expertise

· Deep understanding of Credit Risk Management and Enterprise Risk Management processes, exposure management, and RWA/ECL calculation principles.

· Proven experience designing or implementing credit risk systems (Moody’s Risk Foundation (IFRS9), Moody’s Credit Lens, ETL, etc.).

· Strong data architecture and ETL/integration design knowledge

· Understanding of risk data aggregation and reporting (BCBS 239) principles.

Qualifications & Soft Skills

· Bachelor’s or Master’s degree in Information Systems, Computer Science, Finance with Banking Experience.

· Minimum 8–12 years of experience in banking technology, risk system design, or enterprise architecture.

· Experience in end-to-end design of credit risk or enterprise risk platforms.

· Professional certifications preferred: TOGAF, AWS/Azure Architect, or PMP.