VP - Risk & Regulatory Systems, Retail Technology (Mashreq Bank UAE) - UAE National

Mashreq; Dubai; On-site; AED 700,000 - 1,200,000; Full time

Job summary

Mashreq is seeking a senior technology leader to drive retail technology transformation across risk, regulatory systems, and digital banking platforms. You will interact with business heads to deliver scalable, secure technology solutions and enable AI-led innovation across the organization.

The role focuses on BPM modernization, platform consolidation, and end-to-end digitization of onboarding, lending, and payments while embedding robust governance and cyber risk controls.

Qualifications

• 25+ years of technology leadership experience.
• Strong fintech, payments, banking systems knowledge.
• Proven large-scale technology transformation experience.
• Ability to drive AI adoption and prompt engineering across teams.

Responsibilities

• Lead enterprise fintech and digital transformation programs end-to-end.
• Drive platform modernization, BPM/workflow systems, and integration.
• Own AI-led engineering adoption, automation, and SDLC improvements.
• Establish governance, risk controls, and audit readiness.
• Engage SteerCo and senior leadership for decision-making.
• Build organizational capability in modern engineering practices.

Skills

Java

Spring Boot

Microservices

Kubernetes

Azure Cloud

DevOps

CI/CD

Observability

AI Adoption

Prompt Engineering

PMP

CSM

Stakeholder Mgmt

Governance

Security & Compliance

Release Management

System Architecture

API-first

Event-driven

Education

Engineering Degree

Tools

Jenkins

CI/CD Tools

Kubernetes

Azure

Job description

This role is responsible for leading Retail technology transformation initiatives across Risk, Regulatory systems, and digital banking platforms with close interaction of business heads (RBG, Credit Management, Risk, CX etc). The candidate will act as a strategic advisor and execution leader, driving platform modernization, strengthening delivery governance, and enabling AI-led innovation, including prompt engineering adoption, while ensuring scalable, resilient, and secure technology solutions across the organization.

This role will also drive modernization and optimization of BPM platforms, Risk Regulatory applications which interacts with AECB, Central Bank and external systems like DLD etc enabling end-to-end process digitization across onboarding and processing workflows (for Credit Card, Personal Loans, Mortgage and Over Draft). It will ensure seamless integration between Inhouse solutions of BPM workflows and Regulatory applications, core banking, and fintech platforms, while embedding AI-powered automation and intelligent workflows. x

Operating at a senior leadership level, the role will influence stakeholders across Technology, Business, Risk, and Compliance to deliver high-impact, compliant, and efficient digital transformation outcomes.

Key Result Areas

• Lead and deliver enterprise-wide fintech and digital transformation programs end-to-end, ensuring alignment with strategic business objectives
• Drive end-to-end platform modernization, including digital platforms, integration layers, and BPM/workflow systems
• Own and accelerate BPM platform transformation, including:

Workflow optimization and process re-engineering

End-to-end digitization of onboarding, lending, payments, and regulatory processes

Integration of BPM with core banking and fintech ecosystems

Reduction in manual interventions and overall process cycle times

• Establish and scale AI-led engineering adoption, including:

Introduction of prompt engineering practices across teams

AI-enabled development, testing, and operational automation

Driving measurable productivity improvements across the SDLC

• Drive delivery excellence and quality control, including:

Reduction in production defects and incident leakage

Strengthening QA maturity across UAT, regression, and release cycles

• Ensure robust governance and control frameworks, including:

Strong UAT sign-off discipline and defect lifecycle governance

Release management controls with validation checkpoints

Production readiness assurance for all critical business journeys

• Enhance platform scalability, availability, and resilience, including:

High-availability architecture across critical systems

Performance optimization for peak load and transaction volumes

Stability across customer-facing journeys (onboarding, payments, lending)

• Drive cost optimization and operational efficiency, including:

Platform consolidation and optimization initiatives

Reduction in infrastructure and operational overheads

Improved utilization of engineering resources and tooling

• Strengthen security, compliance, and audit readiness, including:

Alignment with regulatory and security frameworks

Ensuring audit compliance across systems and processes

Mitigating operational, data, and cyber risks

• Lead stakeholder engagement and executive alignment, including:

Ability to independently represent Technology in SteerCo and senior governance forums

Engage and influence senior technology leadership, business heads, and control functions

Drive decision-making and consensus across cross-functional teams

• Build and uplift organizational capability, including:

Upskilling teams in modern engineering practices, AI, and automation

Driving a culture of ownership, accountability, and performance

Strengthening collaboration across engineering, QA, DevOps, and business units

• Ensure end-to-end accountability for transformation outcomes, including:

Ownership of delivery risks, dependencies, and escalations

Transparent tracking and reporting of progress across initiatives

Realization of defined business, technology, and operational benefits

Knowledge, Skills and Experience

• Engineering Graduate with 25+ years of experience in technology leadership and enterprise delivery
• Strong expertise in Fintech & Payment Gateways, Banking Systems, and Security/Compliance Frameworks
• Proven experience in large-scale technology transformation and platform modernization
• Experience across startup environments and large banking organizations
• Ability to drive AI adoption and prompt engineering capabilities across teams
• Certifications: PMP (Project Management Professional), CSM (Certified Scrum Master)
• Strong stakeholder management, including engagement with senior technology leadership and governance forums
• Strong expertise in Java, Spring Boot, and enterprise application development
• Hands-on experience in microservices architecture and distributed systems
• Proficient in API-first and event-driven architecture design
• Experience with cloud platforms (Azure) and scalable deployments
• Strong exposure to DevOps practices, CI/CD pipelines, and automation
• Experience with containers and orchestration (Kubernetes)
• Knowledge of system observability, monitoring, and performance optimization
• Familiarity with AI-enabled development tools and automation frameworks