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Senior Product Owner and Implementation Director   – Enterprise Limit Management System (Senior  Consultant)  Location: UAE  Contract: 1–2 Year Contract  Role Purpose  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&