Senior Product Owner and Implementation Director

Client of High Street Resources

The Senior Product Owner and Implementation Director Enterprise Limit Management System is accountable for the end-to-end conceptualization, design, build, and enterprise rollout of the Bank s in-house Enterprise Limit Management System (ELMS), while providing program-level delivery leadership aligned to the Bank-wide Transformation Office practices.

This role combines deep product ownership for a complex, risk critical banking platform with senior transformation and program delivery accountability across business, risk, operations, and technology. The platform will serve as the strategic, centralized limit and exposure control system for the Bank, supporting corporate and institutional banking products across funded, non funded, contingent, treasury, trade finance, project finance, and structured finance portfolios.

The incumbent will lead the initiative from vision through implementation and stabilization, ensuring regulatory compliance, architectural soundness, operational resilience, and enterprise scalability, while managing scope, budget, governance, end to end delivery, vendors, and cross borders execution.

Key Accountabilities

1. Product Ownership & Strategic Platform Leadership

• Own and drive the product vision, target architecture, roadmap, and delivery strategy for the Enterprise Limit Management System.

• Lead the end to end design and implementation of centralized capabilities covering:

• Facility-, borrower-, obligor-, subgroup-, and group level limits

• Industry, sector, country, issuer, cross border, and group exposure aggregation

• Large exposure, concentration, and regulatory threshold monitoring

• Funded, non funded, committed, uncommitted, and contingent exposure logic

• Credit Conversion Factor (CCF) treatment for off balance sheet exposures

• Collateral linkage, allocation, earmarking, haircut application, substitution, and release

• Margin lending and issuer risk calculations

• Multicurrency limits, utilizations, and FX impact handling

• Parent child hierarchies, sub limits, linked and shared limits

• Pre deal and post deal validations

• Breach detection, temporary excess, overrides, approvals, and escalation workflows

• Define and govern complex business rules and credit workflows, including:

• Cross border and transfer risk logic

• Country-of-risk assignment methodologies

• FI transaction approval and country workflows

• FI sell down processing and exposure redistribution

• PSRE calculation logic (CCF add on and Monte Carlo simulation based)

• Project finance exposure treatment (sponsor, paymaster, ultimate paymaster, contractor structures)

• Basel II / Supervisory Framework aligned exposure aggregation and large exposure control

• Covenant monitoring and early warning indicators

• Credit amendments, renewals, reviews, special assets, recoveries, and post sanction administration

• Translate credit policies, regulatory requirements, and internal governance standards into implementable rules, workflows, calculations, and control mechanisms.

2. Program & Transformation Delivery Leadership

• Provide end to end program delivery leadership for the ELMS initiative in line with Transformation Office governance standards.

• Develop and maintain the Program Master Plan, defining:

• Initiatives, milestones, dependencies, critical paths, and contingency actions

• Resource allocation across business, technology, risk, and operations

• Budget tracking and financial governance in partnership with Finance

• Lead delivery across all phases: design, build, integration, testing, rollout, and stabilization.

• Own and execute program governance, including:

• Steering Committees, project forums, and working groups

• Agenda setting, documentation, decision tracking, actions, and progress reporting

• Manage cross border execution across all countries where the solution is deployed.

• Ensure front to back transformation, coordinating Front, Middle, and Back Office participation to achieve true enterprise integration.

• Provide disciplined risk, issue, dependency, and change management, ensuring transparency and timely escalation.

3. Technology, Architecture & Integration Leadership

• Drive integration with:

• Loan Origination and Credit Workflow systems

• Core Banking platforms

• Trade Finance and Treasury systems

• Collateral Management platforms

• Customer Master and exposure source systems

• Ensure strong understanding of how:

• Limits, utilizations, balances, contingent exposures, provisions, and recoveries br are sourced, reconciled, aggregated, and controlled across upstream systems.

• Engage closely with Architecture and Engineering teams on:

• APIs, integration patterns, and workflow orchestration

• Rules engines, data models, and calculation engines

• Real time or near real time processing and auditability

• Ensure the platform is scalable, configurable, secure, auditable, and enterprise grade.

4. Stakeholder & Vendor Management

• Has excellent presentation, senior stakeholders management track record and communication skills

• Act as the single senior interface across Business, Risk, Credit, Operations, Technology, Architecture, Finance, and external vendors.

• Manage vendor delivery, ensuring technical compliance, quality, timelines, and value realization.

• Partner with business leaders to shape solutions aligned to strategic objectives and reference architectures.

• Provide leadership in Agile and Hybrid delivery methodologies while ensuring delivery rigor.

5. Testing, Controls & Post Implementation Stability

• Define and oversee testing strategies, including:

• Complex exposure and aggregation scenarios

• Collateral allocation logic

• Workflow exceptions and regulatory edge cases

• End to end integration testing and UAT