Mashreq

Data Scientist

• Develop and deploy machine learning models for classification, regression, clustering, and anomaly detection across business domains.
• Design and fine-tune generative AI models (e.g., LLMs, transformers, diffusion models) for applications such as document summarization, synthetic data generation, intelligent assistants, and automated content creation.
• Build robust data pipelines and model serving infrastructure using MLOps best practices to ensure scalability, reliability, and maintainability.
• Collaborate with cross-functional teams to identify AI opportunities and translate business needs into technical solutions.
• Ensure compliance with AI governance, risk strategy, and ethical standards.
• Mentor junior data scientists and contribute to the AI Center of Excellence.

AVP, Data Scientist – Head Technology

Vice President

• create beautiful, performant mobile apps on iOS and Android
• architect and create these applications
• collaborate closely with the web and server teams
• develop and deploy mobile applications using React native technologies
• develop responsive web application using React Native, HTML5, CSS, and Javascript
• work with UX/UI Designers, Architects, and other Developers to implement full stack web and mobile solutions
• work as part of an Agile Scrum team
• create beautiful, pixel-perfect UIs across both mobile platforms
• leverage native APIs for deep integrations with both platforms
• write automated tests that ensure the product is of the highest quality
• diagnose and fix bugs and performance bottlenecks
• create an environment for our CI pipeline

Assistant Vice President – Digital Product Expert, Digital Web & Mobile

Operations

• Process setup of merchants accurately as per the details on merchant setup forms
• Process maintenance of merchants as per requests received from merchants and RMs.
• Prepare the financial vouchers for merchant settlements
• Perform daily reconciliation of merchant payments, payables and receivables
• To handle all merchant related queries
• Preparation of incentive for merchants and RMs.
• Track and Reprocess the reject transactions
• Update and maintain the financial records as per banks regulations.
• Ensure the fee reversals, debit credit adjustments are processed accurately and in a timely basis.

Associate – Cards Operations Acq

Manager

• Provide support on POSTILION application modules
• Engage in eCommerce transaction processing
• Collaborate on Merchant Pricing, Settlement, and Reconciliation

Senior Manager – Technology, Postilion Production Support

Business Analyst

• Lead and facilitate the governance framework by overseeing and improving organizational procedures
• Primary interface between Lean management and the business areas
• Drive the enhancement of SOP system across the bank and improve adoption
• Execute projects with measurable cost impacts and significant improvements in customer experience
• Identify gaps in skills or knowledge and recommend relevant training to address these gaps
• Report Lean projects key metrics and achievements

Senior Change Business Analyst – Mashreq Global Network Pakistan

Account Manager

• To assist Financial Institutions (FI) Relationship Manager(s) / Senior Relationship Manager(s) in preparing MIS, Business Plans, and resolving operational matters
• Assist FI RMs / SRMs in strengthening relationships with FI clients and achieving financial and non-financial goals for the assigned FI clients or countries
• Assist to manage FI RMs / SRMs of cross-border limits/ exposures for the assigned countries / FI clients
• Assist FI RMs / SRMs marketing of FI products, through a highly professional and focused approach and as per defined marketing plan/strategy
• To act as a back-up for RMs / SRMs in their absence
• Support the RMs in identification of; a) existing clients’ needs by regular calling, analysing & providing market updates keeping a close contact to increase business and obtain feedback for relationship & service enhancements; and b) new business opportunities and ensuring also these are aligned with the bank’s product capabilities and relevant operational, risk management and financial crime / compliance policies
• Provide “back up” support to the RMs with the day to day client management encompassing working with the local teams including operations.
• Maintain a) appropriate own relationship contacts (and act as RM back-up) with existing clients and FIs, with the aim to grow and diversify the core branch payments and trade finance business with identified names / sectors; and b) work with RMs on relationships / contacts seeking to increase the origination & development of more trade finance deals, risk participations, syndications, trade loans, bilateral loans, etc.,
• Work with the RM team co-ordinating with other units in the branch / bank to maintain and improve service delivery standards and ensure quality service for the bank’s clients and prompt resolution of any client issues or operational problems

Assistant Relationship Manager – FI

Financial Crime

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Lead Compliance – AML

• Provide guidance in developing and maintaining procedures for product/process implementation.
• Develop charge back handling strategy to avoid financial losses to the bank, merchants and card holders.
• Analyze and advice dispute reduction strategy to acquiring merchant to reduce dispute losses.
• Implement, maintain and improve processes to ensure effective operational processes to monitor and maintain financial controls and achieve business objectives to enhance/optimize profitability of the merchant and issuance business.
• Be part of the business decision and work closely with product and promotions teams to understand current and future requirements.
• Ensure crucial balance between risk and service is well understood and accepted.
• Provide guidance in developing and maintaining procedures for product implementation, case approval, compliance programs, monitor quality performance of financial and chargebacks processes.
• Provide analysis and guidance in establishing internal and external agreements.
• Plan and develop card financial and chargeback training programs to card center staff to develop their skill.
• Responsible for monitoring and implementing compliance requirements from card schemes like Visa / Mastercard/JCB/CUP/DINERS and other regional switches.
• Manage day to day chargeback processes, timely resolution of cases.
• Examine accounting systems and operations to ensure assigned activities are carried out in accordance with established policies and objectives.
• Identify and implement revisions in accounting procedures or systems to increase efficiency.

Team Lead, Cards Operations

• Complete understanding of policy and procedures related to onboarding a POS/ECom merchants
• Ensure onboarding of merchants in compliance with policy
• Pre-screening of Merchant Agreements, KYC documents, Trade licence, MOA, performance of system related checks etc and raise exceptions if any
• Ensure completeness and accuracy of documents before onboarding of merchants.

Senior Associate – Cards Operations Acq

• Daily charge back handling strategy to avoid financial losses to the bank, merchants and card holders
• Analyze and advice dispute reduction strategy to acquiring merchant to reduce dispute losses
• Implement, maintain and improve processes to ensure effective operational processes to monitor and maintain financial controls and achieve business objectives
• Provide guidance in developing and maintaining procedures for product implementation, case approval, compliance programs
• Plan and develop card financial and chargeback training programs to card center staff to develop their skill
• Manage day to day chargeback processes, timely resolution of cases
• Design chargeback reports and analyses, setting forth progress, adverse trends and appropriate recommendations

Senior Associate – Cards Operations Acquisition

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Associate - Cards Operations Acquisition

Data Engineer

• design and maintain data pipelines of real-time and batch
• create data strategy and architecture
• lead the organization in strategical improvements of data engineering solutions
• handle critical applications that influence bank’s management decision making process, regulatory reporting and operational reporting

AVP – Data Engineer, Technology, Data Management

Risk

• Lead quantitative assessment of physical and transition climate risks across portfolios, sectors, and geographies.
• Develop and implement financed emissions calculation methodology aligned with international best practices e.g. PCAF and support in calculation of scope 3 financed emissions.
• Build and maintain climate‑risk measurement related indicators, metrics, and dashboards using advanced analytics and statistical methodologies.
• Collaborate with various teams e.g. one data and technology, enterprise risk management etc. to build data pipelines, climate‑risk datasets and analytical tools.
• Consolidate and validate quantitative inputs for climate‑risk regulatory submissions and internal management reporting.
• Coordinate development of quantitative ESG and Sustainability related disclosures like GRI, ESG Reports, ISSB, IFRS S1 & S2 etc.
• Support in change‑management and automation projects related to climate‑risk data and reporting.
• Develop and maintain Net Zero–related quantitative metrics.
• Recommend climate‑risk appetite quantitative thresholds for inclusion in the Group Risk Appetite Statement and country-level addendums.
• Track financed emissions reduction pathways.
• Perform annual emissions trend analysis and variance explanation.

Senior Manager – Environmental Risk

• Coordinate the second line responsibilities of ESG Risks related Policies, Physical & Transition Risk Assessment, Measurement, Mitigation while maintaining regulatory compliance against ESG & Climate risk related regulations across Mashreq Network.
• Lead change management initiatives around ESG and Climate Risks related evolution on a global basis.
• Support Mashreq’s Net zero commitment and transition planning journey by enhancing maturity of ESG Risks related second line responsibilities.
• Embed climate risk and sustainability aspects into credit underwriting journey via policy enhancements to sustainable finance credit policy.
• Develop and maintain green & sustainable finance transactions framework aligned with regulatory guidelines and best practices while supporting a robust control environment around greenwashing risks.
• Develop and maintain climate risk appetite related qualitative and quantitative metrics, concepts and coordinate the governance of these via group wise risk appetite statement.
• Provide qualitative and quantitative risk management inputs towards ESG and Sustainability related disclosures like GRI, ESG Reporting, ISSB etc.
• Change management for ESG & climate risk related initiatives and automation projects in coordination with ESG team, One Data & Technology, External consultants and other stakeholders across three lines of defense.
• Support the internal & external capacity building initiatives via training and awareness program around ESG & climate risk.
• Coordinate & conduct of gap analysis, roadmaps and remediation plans for various ESG & climate risk related regulatory guidelines and associated regulatory submissions.

AVP – ESG Risks Management

Compliance

• Prepare and submit regulatory reports for Mashreq Overseas entities (including Mashreq Bank Qatar, Kuwait, and Bahrain)
• Coordinate closely with cross‑functional stakeholders (Finance, Risk, Treasury, Operations, and Technology) to gather, validate, reconcile, and analyze data required for regulatory reporting.
• Identify, investigate, and resolve data quality issues by engaging with relevant departments
• Monitor regulatory developments and changes issued by overseas regulators, assess their impact, and update reporting methodologies
• Drive automation and process optimization initiatives within regulatory reporting
• Perform regulatory compliance assessments and support internal and external audits