Job Summary We are seeking an experienced Retail & Corporate Banking Operations Subject Matter Expert (SME) with extensive expertise in Temenos T24 Core Banking Transformation programs to support large-scale banking modernization initiatives. The successful candidate will act as the business lead for Retail & Corporate Banking operations, working closely with business stakeholders, IT teams, implementation partners, and Temenos consultants throughout the project lifecycle. The role requires deep expertise in Islamic Banking (AA & TPH modules), business analysis, operating model design, requirements management, data migration, testing, and operational readiness. The ideal candidate will have a proven track record delivering end-to-end Temenos T24 implementation or transformation projects within banking environments across the Middle East. Key Responsibilities1. Retail & Corporate Banking Operations SMEServe as the Subject Matter Expert (SME) for Retail & Corporate Banking operations during Temenos T24 transformation programs. Provide functional expertise across Retail Banking and Corporate Banking operational processes. Collaborate with business users, IT teams, vendors, and implementation partners throughout the project lifecycle. Support business process optimization and operational transformation initiatives. Ensure alignment between business requirements and Temenos T24 capabilities.2. Business Analysis & Requirements Management Lead business requirements gathering workshops with stakeholders. Prepare and maintain:Business Requirement Documents (BRDs) Functional Specification Documents (FSDs) Gap Analysis Documents Business Process Documents Functional Use Cases Define business rules and functional requirements. Manage requirements traceability and scope throughout the project lifecycle. Support change request management and scope control.3. Target Operating Model (TOM) & Process Transformation Define and implement the Target Operating Model (TOM). Perform:Current State Analysis (As-Is) Future State Design (To-Be) Business Process Mapping Workflow Optimization Identify opportunities for process automation and operational efficiency. Support operating model transformation initiatives.4. Temenos T24 Implementation Support Support Temenos T24 implementation and configuration activities. Coordinate with Temenos consultants and implementation vendors. Validate solution design against business requirements. Support configuration reviews and functional validation. Ensure successful deployment of banking operations within Temenos T24.5. Islamic Banking Operations Provide functional expertise in Islamic Banking operations, including:Islamic Current Accounts Savings Accounts Term Deposits Corporate Accounts Customer Information File (CIF) Islamic Financing Products Murabaha Ijara Tawarruq Payments Standing Instructions Profit Distribution Support implementation of:AA (Arrangement Architecture) TPH (Temenos Product Hub) Ensure compliance with Islamic Banking principles and Shariah requirements.6. Data Migration & Reconciliation Support:Data Mapping Data Cleansing Data Validation Data Migration Balance Migration Customer Migration Product Migration Perform:Balance Reconciliation Data Quality Validation Migration Testing Reconciliation Reporting Coordinate migration activities with technical teams.7. Testing & UATLead:Functional Testing System Integration Testing (SIT) User Acceptance Testing (UAT) Regression Testing Prepare:Test Scenarios Test Cases Defect Logs Test Evidence Support:Defect Triage Requirement Validation Issue Resolution Production Readiness8. Change Management & Operational Readiness Develop and maintain:Standard Operating Procedures (SOPs) User Manuals Operational Guides Training Materials Conduct:User Training Knowledge Transfer Sessions Operational Readiness Assessments Support post-go-live stabilization activities.9. Stakeholder & Vendor Management Work closely with:Business Users Operations Teams IT Teams Project Managers Temenos Consultants Vendors Testing Teams PMOCoordinate project deliverables and ensure timely execution. Required Skills & Expertise Core Banking Temenos T24 Core Banking Retail Banking Operations Corporate Banking Operations Islamic Banking Core Banking Transformation Banking Operations Business Process Reengineering Temenos Expertise Mandatory experience with:Temenos T24AA (Arrangement Architecture) TPH (Temenos Product Hub) Islamic Banking Modules Preferred knowledge of:Temenos Transact Temenos Infinity Temenos Data Migration Tools Business Analysis Requirements Gathering BRDFSDGap Analysis Functional Specifications Process Mapping Business Rules Scope Management Requirement Traceability Banking Operations Strong understanding of:Customer Onboarding Account Opening Deposits Payments Financing Corporate Banking Retail Banking Customer Maintenance Islamic Financing Standing Instructions Collections Remittances Data Migration Data Mapping Data Cleansing Migration Validation Balance Reconciliation Data Quality Migration Strategy Testing SITUATFunctional Testing Regression Testing Defect Management Test Planning Documentation SOP Development User Manuals Operational Documentation Process Documentation Training Documentation Soft Skills Strong analytical and problem-solving skills Excellent stakeholder management Strong communication and presentation skills Vendor management experience Leadership and mentoring capabilities Project coordination skills Ability to work in cross-functional environments Qualifications Bachelor's Degree in:Finance Banking Business Administration Information Systems Computer Science Related Discipline Preferred:Master's Degree (MBA or related field) Certifications Mandatory Certified Temenos T24 Consultant Temenos AA Certification Temenos TPH Certification (preferred) Preferred CBAPPMPAgile/Scrum Certification Islamic Banking Certification TOGAF (added advantage) Experience Minimum 11+ years of banking experience. Minimum 8+ years in Temenos T24 transformation projects. Minimum 5+ years of hands-on experience with Islamic Banking AA & TPH implementations. Proven experience in:Retail Banking Corporate Banking Islamic Banking Core Banking Transformation Data Migration Business Analysis UAT & Testing Change Management