Solution Architect - Credit Risk Management Standard

Key Responsibilities

• Solution Architecture & Design
  • Lead the solution design and architecture blueprint for the CRMS Solution covering functional and technical domains (Credit Risk and Enterprise Risk where applicable).
  • Define end-to-end system architecture, including integration with Core Banking & LOS, Data Warehouse / Data Lake, Model Execution Engine (PD-LGD-EAD models), Collateral, Limits, and Exposure Systems, Reporting & Analytics layer and downstream systems used for IFRS9 ECL, Capital computations, etc.
  • Develop the Solution Design Document (SDD) outlining logical, application, and data architecture for the CRMS implementation.
• Data Architecture & Integration
  • Define data model and mapping for credit exposure, counter party, and risk parameters aligned with bank’s data governance framework.
  • Specify data lineage, transformation logic, and quality validation rules for all inbound and outbound data flows.
  • Work with the Enterprise Data Management (EDM) and Data Governance teams to ensure data consistency across systems (CRMS, DWH, IFRS9, etc.).
• Regulatory & Risk Compliance
  • Ensure design compliance with CBUAE Credit Risk Management Standards (CRMS), Basel III/IV and IFRS9 data and model reporting requirements, Internal Model Risk Management (MRM) frameworks, and Audit trail, control, and segregation-of-duty requirements.
• Design Governance & Documentation
  • Own and maintain the Solution Design Document (SDD), Interface Control Document (ICD), Data Flow Diagrams and Entity Relationship Diagrams (ERDs), Integration & Environment Architecture, Traceability Matrix (linking requirements to design components).

• Technical & Functional Expertise
  • Deep understanding of Credit Risk Management and Enterprise Risk Management processes, exposure management, and RWA/ECL calculation principles.
  • Proven experience designing or implementing credit risk systems (Moody’s Risk Foundation (IFRS9), Moody’s Credit Lens, ETL, etc.).
  • Strong data architecture and ETL/integration design knowledge.
  • Understanding of risk data aggregation and reporting (BCBS 239) principles.
• Qualifications & Soft Skills
  • Bachelor’s or Master’s degree in Information Systems, Computer Science, Finance with Banking Experience.
  • Minimum 8–12 years of experience in banking technology, risk system design, or enterprise architecture.
  • Experience in end-to-end design of credit risk or enterprise risk platforms.
  • Professional certifications preferred: TOGAF, AWS/Azure Architect, or PMP.