VP - Risk & Regulatory Systems, Retail Technology (Mashreq Bank UAE) - UAE National

Job PurposeThis role is responsible for leading Retail technology transformation initiatives across Risk, Regulatory systems, and digital banking platforms with close interaction of business heads (RBG, Credit Management, Risk, CX etc). The candidate will act as a strategic advisor and execution leader, driving platform modernization, strengthening delivery governance, and enabling AI-led innovation, including prompt engineering adoption, while ensuring scalable, resilient, and secure technology solutions across the organization.This role will also drive modernization and optimization of BPM platforms, Risk Regulatory applications which interacts with AECB, Central Bank and external systems like DLD etc enabling end-to-end process digitization across onboarding and processing workflows (for Credit Card, Personal Loans, Mortgage and Over Draft). It will ensure seamless integration between Inhouse solutions of BPM workflows and Regulatory applications, core banking, and fintech platforms, while embedding AI-powered automation and intelligent workflows. xOperating at a senior leadership level, the role will influence stakeholders across Technology, Business, Risk, and Compliance to deliver high-impact, compliant, and efficient digital transformation outcomes.Key Result AreasLead and deliver enterprise-wide fintech and digital transformation programs end-to-end, ensuring alignment with strategic business objectivesDrive end-to-end platform modernization, including digital platforms, integration layers, and BPM/workflow systemsOwn and accelerate BPM platform transformation, including:Workflow optimization and process re-engineeringEnd-to-end digitization of onboarding, lending, payments, and regulatory processesIntegration of BPM with core banking and fintech ecosystemsReduction in manual interventions and overall process cycle timesEstablish and scale AI-led engineering adoption, including:Introduction of prompt engineering practices across teamsAI-enabled development, testing, and operational automationDriving measurable productivity improvements across the SDLCDrive delivery excellence and quality control, including:Improvement in deployment success ratesReduction in production defects and incident leakageStrengthening QA maturity across UAT, regression, and release cyclesEnsure robust governance and control frameworks, including:Strong UAT sign-off discipline and defect lifecycle governanceRelease management controls with validation checkpointsProduction readiness assurance for all critical business journeysEnhance platform scalability, availability, and resilience, including:High-availability architecture across critical systemsPerformance optimization for peak load and transaction volumesStability across customer-facing journeys (onboarding, payments, lending)Drive cost optimization and operational efficiency, including:Platform consolidation and optimization initiativesReduction in infrastructure and operational overheadsImproved utilization of engineering resources and toolingStrengthen security, compliance, and audit readiness, including:Alignment with regulatory and security frameworksEnsuring audit compliance across systems and processesMitigating operational, data, and cyber risksLead stakeholder engagement and executive alignment, including:Ability to independently represent Technology in SteerCo and senior governance forumsEngage and influence senior technology leadership, business heads, and control functionsDrive decision-making and consensus across cross-functional teamsBuild and uplift organizational capability, including:Upskilling teams in modern engineering practices, AI, and automationDriving a culture of ownership, accountability, and performanceStrengthening collaboration across engineering, QA, DevOps, and business unitsEnsure end-to-end accountability for transformation outcomes, including:Ownership of delivery risks, dependencies, and escalationsTransparent tracking and reporting of progress across initiativesRealization of defined business, technology, and operational benefitsKnowledge, Skills and ExperienceEngineering Graduate with 25+ years of experience in technology leadership and enterprise deliveryStrong expertise in Fintech & Payment Gateways, Banking Systems, and Security/Compliance FrameworksProven experience in large-scale technology transformation and platform modernizationExperience across startup environments and large banking organizationsAbility to drive AI adoption and prompt engineering capabilities across teamsCertifications: PMP (Project Management Professional), CSM (Certified Scrum Master)Strong stakeholder management, including engagement with senior technology leadership and governance forumsStrong expertise in Java, Spring Boot, and enterprise application developmentHands-on experience in microservices architecture and distributed systemsProficient in API-first and event-driven architecture designExperience with cloud platforms (Azure) and scalable deploymentsStrong exposure to DevOps practices, CI/CD pipelines, and automationExperience with containers and orchestration (Kubernetes)Knowledge of system observability, monitoring, and performance optimizationFamiliarity with AI-enabled development tools and automation frameworks