AssociateDirector-Lending Transformation

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Associate Director, Banking & Capital Markets

Mortgages / Lending Transformation

Role Overview

We are looking for an Associate Director within Banking & Capital Markets (BCM) with deep functional expertise in Mortgages / Lending transformation .

The ideal candidate will have experience in a leading global bank or GCC/GIC and a proven track record of delivering Straight Through Processing (STP) and automation across lending journeys , working closely with Technology teams to take solutions from business design through implementation and production.

This is a functional transformation role , not a pure technology or program management position.

Key Responsibilities

• Lead functional transformation across the end-to-end mortgage/lending lifecycle, including origination, verification, underwriting, credit decisioning, documentation, fulfilment and servicing.
• Identify manual touchpoints and redesign processes to drive STP, touchless processing and automation .
• Partner closely with Technology and Architecture teams to translate business requirements and target processes into implementable solutions.
• Work across capabilities such as workflow/BPM, rules and decision engines, APIs, OCR/IDP, RPA, data and AI/ML.
• Design effective exception-management and human-in-the-loop processes for cases that cannot be processed straight through.
• Work across Product, Operations, Credit/Risk and Technology through design, build, testing, implementation and production rollout.
• Drive measurable improvements in STP rates, turnaround time, manual touches, exception rates, productivity and cost-to-serve.

Experience & Skills

• 12-18+ years of experience in Banking & Financial Services, preferably within a global bank, GCC/GIC or banking transformation environment.
• Deep functional expertise in Mortgages, Consumer Lending, Retail Lending and/or Secured Lending.
• Proven experience personally delivering STP / automation transformation within lending or mortgages.
• Strong understanding of loan origination, underwriting, credit decisioning, verification, fulfilment and servicing processes.
• Demonstrated experience partnering with Technology teams to design and implement lending solutions in production.
• Ability to articulate the technology capabilities required to enable the business transformation without necessarily being a hands-on technologist.
• Strong understanding of credit, risk, regulatory and operational considerations within lending.
• Experience delivering measurable transformation outcomes at significant scale.
• Strong senior stakeholder management and communication skills.

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