Senior Lead - Systems and Projects

Job Title- Senior Lead - Systems and Projects

About Us

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion.
At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.
We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.

Job Overview:
The Retail Credit Operations (RCS) unit manages the entire process for specific retail products offered by EmiratesNBD / Emirates Islamic Bank.
Products Handled: Personal Finance, Auto Finance, Home Finance Operations, and Credit Cards.
Core Activities: Dedupe (duplicate checks), Underwriting, Tele- and Field verification, Vehicle LPO issuance (Local Purchase Order), Disbursal (fund release), Property Registration, and After Sales transactions.
Function: The unit acts as a central hub for receiving and processing all Retail Finance and Card applications sourced from various channels, including Branches, Sales, Elite Team, Priority Banking, and Call centers.
While the Operations team is responsible for the delivery of services, there are required enablers for RCS, which calls to build a functional strategy based on the Group agenda, managing and leading tech-ops projects, driving customer experience through collaborating with multiple teams, consulting the organization using best practices and evolving technology components, and instilling a culture of excellence in delivering the business outcomes by the units.

This role sits at the intersection of Business Operations and Technology, a strategic, high-level role responsible for managing the end-to-end lifecycle of technology-driven initiatives aimed at enhancing operational efficiency, reducing risks, and improving customer experience. ensuring that system upgrades, new product launches, or digital transformations align with business goals and regulatory requirements.

The individual in this role will ensure the effective operation of all systems related to credit processing, including loan origination systems, decision management systems, credit scoring models, and risk assessment tools.

This position has a direct impact on customer experience, risk outcomes, regulatory compliance, and operational resilience across the entire organization.

What You Will Be Doing:
• Identify, prioritize, and implement system enhancements that streamline back-office operations, improve user experience, and boost efficiency
• Act as a lead change agent, driving adoption of new technologies across RCS operations and overcoming resistance
• Analyze existing operational workflows to identify bottlenecks and implement system changes that better serve RCS operations
• Conduct in-depth analyses and utilize GenAI capabilities, machine learning models, and optical character recognition (OCR) workflows.
• Carry out gap analyses, redesign workflows, and develop detailed end-to-end process maps to reduce friction in RCS
• Create and oversee project plans, timelines, budgets, and resource allocation, while actively identifying and addressing project risks to ensure high-quality outcomes.
• Track STP rates, turnaround times, and error rates, offering suggestions for process enhancements to boost overall efficiency.
Perform UAT testing and sign off for new technology solutions

What are we looking for:
• Minimum 8-12 years of relevant banking experience in process excellence, automation or Transformation. With at least 3- 5 years in designing processes and/or customer journeys.
• Exposure in Implementation/ working on AI Models/Gen AI
• Exceptional problem solving and analytical thinking (quant and quality)
• Exceptional relationship and conflict management
• Exceptional communication and senior stakeholder management skills
• Proven team and project management skills
• Strong understanding of Gen AI /Agentic AI
• Proven ability to lead, plan and manage change/projects in organizations

What we offer you:
• Competitive salary package
• Strong emphasis on work-life balance and wellbeing across the bank
• World-class Learning & Development platform and career development
• Generous annual leave entitlement and Private Healthcare
• Preferential banking facilities for employees

Why Join Us:
We’re one of the region’s most recognisable brands. We’re banking innovation leaders. We’re growing across both the UAE and our global offices. We offer a huge range of professional development opportunities to accelerate your career. It also goes without saying that we provide extremely competitive rewards, benefits and perks too, like our flexible work policy so you can work from home whenever it suits.

At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for positions that match their skills and capabilities.