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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.
- Robust 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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