Vice President

• Lead projects aimed at improving turnaround
• To engage and share functional knowledge with digital squads to design and enhancing FRONT END systems such as Digital onboarding screens, KYC journeys, Fulfillment systems, Name screening systems, Core flex systems, BPM & EDMS to increase efficiency and reduce cost resulting in achieving Unit’s goals on cost saves as per financial planning.
• Lead, mentor, and develop the account opening and client servicing team to deliver high performance and professional client service.
• Allocate responsibilities, monitor performance, and provide strategic direction and coaching.
• Ensure reporting of data to Top management through MIS presentations.
• Foster a culture of accountability, efficiency,, continuous improvement and Process Management:
• Own and oversee the full lifecycle of Entity account opening processes, including KYC/AML checks, documentation, due diligence, and system setup.
• Ensure accurate and timely handling of all service requests from Entity clients, maintaining a high standard of service delivery.
• Compliance & Risk Management - Ensure adherence to all regulatory and internal policies, especially related to KYC, AML, and data privacy.
• Work closely with Business, Governance, Compliance, Risk, and Legal teams to mitigate operational and reputational risks.
• Stakeholder Engagement: - Act as the senior point of contact for internal stakeholders including Relationship Managers, Product, Compliance, and IT teams.
• Work with Governance and product team on new processes and enhancement of existing ones or on data clean-up / remediation requests.
• Conduct root cause analysis of Complaints, Operational losses, or escalations.
• Ensure optimum utilization of resources with effective budget and staff planning as per business forecasted volumes
• Identify inefficiencies and implement streamlined workflows and automation opportunities.
• To conduct periodic quality checks as per RCSA policy to maintain accuracy in process to avoid customer complaints and errors.
• Ensure Reconciliation of CAM owned GL and timely reporting to internal bank units.
• To Manage Vendors and overall administration related work.
• Act as a Back up Manager for ATM and Individual segment related activities.
• To Ensure 'Satisfactory' audit rating for CAM Ops.

Lead account opening and servicing processes for Entity clients at MashreqBank.

AVP – Business Banking Account Onboarding, Maintenance

Lead and manage account opening and servicing processes, ensuring client satisfaction and operational efficiency at MashreqBank. Oversee a team handling complex service requests with focus on continuous improvement.

• Responsible for lending/financing Policies / Framework for specific products in UAE.
• Author and manage the credit criteria and Risk Asset Acceptance Criteria for specific products.
• Responsible for portfolio quality and portfolio management strategy by defining retail credit policy / lending / financing parameters.
• Responsible for the retail bank’s strategy on ‘Risk’ & ‘Growth’ areas through appropriate retail credit policy actions.
• Achieve the planned risk charge for retail products by ensuring quality acquisitions, by working with underwriting units to improve lending criteria from time to time, making them digital friendly, and by initiating portfolio measures to improve / stabilize flow rates on a continual basis
• Update and maintain Retail Credit Policy Manual which is the framework for the individual Product programs.
• Ensure all retail credit policies are aligned with the strategies’ orientation and target segment that the bank wants to grow.
• Ensure product programs in UAE for the products are aligned and standardized and are within the retail banking lending framework.
• Comprehensive review of the portfolios in UAE on an ongoing basis.
• Provide inputs on all strategic initiatives from retail risk perspective – portfolio, acquisitions, retail credit portfolio management, central bank regulation, provisioning norms for retail portfolios.
• Compliance with Central bank Regulations pertaining to retail risk – impact analysis and implementation.
• Actively work with business, risk, legal departments amongst others in developing portfolio strategy with respect opportunities and threats, risks and rewards and portfolio mix based on portfolio segmentation and performance as well as economic, market and competitive intelligence to grow the portfolio profitability, to focus on risk adjusted returns and economic profitability while keeping credit risk under control.
• Maintain predictability of portfolio performance through regular risk charge monitoring.
• Drive automation of policies and processes by working together with underwriting team and other relevant stakeholders
• Review and recommend to senior managers all new product launches and any significant changes to existing policies.
• Additionally for secured products viz., mortgages / secured overdrafts / auto loans. Ensure only appropriate asset classes are approved as collateral under the PPG and at appropriate LTV’s Ensure security perfection and appropriate legal structure approval (Ijarah vs conventional etc.)
• Ensure satisfactory audit rating and consumer examination ratings for the retail credit policy unit.

Vice President responsible for retail credit policy and portfolio management in UAE.

Vice President – Retail Credit Policy

Vice President managing retail credit policy and financial frameworks, ensuring lending criteria and risk management in Pakistan for bank's products and services.

• Leading and Managing OBPM deployments for the bank
• Participate in the ongoing core banking transformation, acting as a bridge between business & tech
• Driving implementation/integration of Oracle Banking Payments for various channels
• Manage lifecycle from requirements to go-live, overseeing testing (SIT/UAT), cutovers, data migration, and stabilization
• Interface with business leaders, IT, vendors, and external partners; provide executive reporting
• Ensure adherence to banking standards, security policies, regulatory requirements (IFRS), and internal quality guidelines
• Lead workshops to identify gaps between business needs and system capabilities, defining resolution strategies
• Support and Manage OBPM platform for the bank

Senior role overseeing core banking transformations and OBPM deployments

VP, OBPM Platform

Senior role overseeing core banking transformations and OBPM deployments, managing large-scale projects in a hybrid Agile environment. Driving implementation and stakeholder management for banking payments integration.

• Lead and manage a team of 20+ technology professionals, fostering a collaborative and innovative work environment.
• Drive digital transformation initiatives, identifying opportunities for process improvement and automation.
• Oversee the development and implementation of digital mortgage solutions, ensuring a seamless customer experience.
• Collaborate with cross-functional teams to align technology strategies with business objectives.
• Stay abreast of industry trends and emerging technologies, particularly in AI prompt engineering, to maintain a competitive edge.
• Mentor and develop team members, providing guidance and support to enhance their skills and career growth.
• Ensure compliance with regulatory requirements and data security standards in all technology initiatives.
• Manage project budgets, timelines, and resources effectively, delivering projects on time and within scope.
• Build strong relationships with internal stakeholders and external partners to facilitate successful project execution.
• Provide thought leadership and contribute to the development of MashreqBank's technology vision and strategy.

Assistant Vice President leading digital transformation at Mashreq Bank.

Assistant Vice President – Retail Technology

Assistant Vice President managing retail technology and digital transformation projects at Mashreq Bank. Leading teams and driving innovation for digital mortgage solutions.

Vice President jobs in Pakistan

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AVP – Business Banking Account Onboarding, Maintenance

Vice President – Retail Credit Policy

VP, OBPM Platform

Assistant Vice President – Retail Technology