Job Summary We are seeking an experienced Core Banking Transformation – Retail SME with strong expertise in Temenos Transact (T24) to support large-scale transformation and modernization programs across Retail and Corporate Banking operations. The ideal candidate will act as a client-side SME / Business Analyst, leading requirement gathering, process transformation, operational readiness, and data migration activities. The role requires deep experience in Temenos T24, strong understanding of Retail & Corporate Banking operations, and hands-on exposure to Islamic Banking AA (Arrangement Architecture) and TPH (Temenos Payment Hub) implementations. The candidate will collaborate closely with business users, IT teams, vendors, and project stakeholders to ensure smooth transformation delivery. Key Responsibilities1. Core Banking Transformation Support end-to-end Temenos T24 transformation programs. Participate in implementation, migration, upgrade, and rollout of core banking platforms. Define Target Operating Models (TOM) for retail and corporate banking operations. Analyze current operational workflows and identify transformation opportunities. Support business process redesign and operational optimization.2. Retail & Corporate Banking Operations SMEAct as an SME across back-office banking operations covering:Retail Banking:Customer Accounts (CASA) Fixed Deposits Payments & Transfers Customer Onboarding Retail Financing Standing Instructions Remittances Corporate Banking:Corporate Accounts Corporate Financing Treasury Operations Trade Finance Corporate Payments Settlement Operations3. Business Analysis & Requirement Management Gather, analyze, and document business requirements. Prepare:Business Requirement Documents (BRD) Functional Specification Documents (FSD) Define:Business rules Process flows Operational procedures Manage scope control and requirement traceability. Conduct workshops with stakeholders and business users.4. Data Migration & Reconciliation Support data migration from legacy systems to Temenos Transact T24. Perform:Data mapping Data cleansing Data validation Balance reconciliation Ensure migration integrity and data quality.5. Testing & UAT Management Lead SIT and UAT activities. Prepare:Test scenarios Test cases Regression test plans Manage defect triage and issue resolution. Validate business requirements and operational workflows.6. Islamic Banking Support Support Islamic banking transformation activities including:Islamic Accounts Islamic Deposits Murabaha Ijara Tawarruq Wakalah Profit Distribution Work on:AA (Arrangement Architecture) TPH (Temenos Payment Hub)7. Vendor Coordination & Stakeholder Management Coordinate with:Core banking vendors Business teams IT teams Operations teams Manage issue resolution and change requests. Ensure vendor deliverables align with business requirements.8. Change Management & Training Develop:SOPsUser Manuals Training Materials Conduct user training sessions. Support go-live readiness and post-implementation stabilization. Required Skills & Expertise Core Banking Platforms Temenos Transact (Mandatory) Core Banking Transformation Core Banking Migration Core Banking Operations Banking Domain Expertise Retail Banking Corporate Banking Islamic Banking Accounts Deposits Financing Payments Business Analysis Requirement Gathering BRD / FSDProcess Mapping TOMGap Analysis Business Rules Definition Data Migration Data Mapping Data Cleansing Data Validation Balance Reconciliation Testing SITUATDefect Management Functional Validation Required Qualifications Education Bachelor’s degree in:Banking Finance Business Administration Information Technology Computer Science Related discipline Experience Mandatory:11+ years in Temenos T24 Core Banking transformation Client-facing BA / SME experience Strong Middle East banking experience Retail & Corporate Banking operations expertise5+ years in Islamic Banking implementations Hands-on in AA & TPH