🚨 Hiring: Solution Architect – Credit Risk Management System (CRMS)
📍 Location: Abu Dhabi, UAE
🏦 Industry: Banking / Financial Services
💼 Role Type: Senior / Lead Architecture
NOTICE PERIOD: Immediate to MAX 30 Days and serving notice are eligible to apply
• NOTE: ONLY RELEVANT TO JD WITH EXPERIENCE OF MANDATORY SKILLS ARE APPLICABLE TO APPLY
We are looking for an experienced Solution Architect – CRMS to lead the end-to-end architecture and design of enterprise-grade Credit Risk Management platforms within a regulated banking environment. This role is critical to ensuring compliance with CBUAE CRMS standards, Basel III/IV, and IFRS9, while enabling scalable, data-driven risk decisioning.
🔹 Key ResponsibilitiesSolution Architecture & Design
Experience - 8 -12 Years
Risk in banking sector (Core Banking)
CRMS - Credit risk management system (CBUAE, Basel III/IV, IFRS)
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 down-stream systems used for IFRS9 ECL , Capital computations, etc.
Enterprise data management
• Lead the end-to-end solution architecture for the Credit Risk Management System (CRMS), covering functional, application, data, and technical layers.
• Define architecture integrating Core Banking, Loan Origination Systems (LOS), Data Warehouse/Data Lake, Model Execution Engines (PD-LGD-EAD), Collateral, Limits & Exposure systems.
• Design downstream integrations supporting IFRS9 ECL, Capital/RWA computations, Regulatory Reporting, and MIS.
Functional Design Alignment
• Translate Business & Functional Requirements (BRD/FSD) into system capabilities across the full credit lifecycle:
• Credit origination & assessment
• Rating models & scorecards integration
• Approval workflows & Delegation of Authority
• Collateral, covenants & limit monitoring
• SICR, Unlikely-to-Pay (UTP), and exception management
• Portfolio risk aggregation & dashboards
• Collaborate with business stakeholders and vendors to validate functional and technical feasibility.
Data Architecture & Integration
• Define credit risk data models for exposure, counterparty, limits, and risk parameters.
• Specify data lineage, transformation logic, reconciliation, and data quality controls.
• Work closely with Enterprise Data Management (EDM) and Data Governance teams to ensure consistency across CRMS, DWH, IFRS9, and regulatory systems.
Regulatory & Risk Compliance
• Ensure solution compliance with:
• CBUAE Credit Risk Management Standards (CRMS)
• Basel III / Basel IV
• IFRS9 ECL
• BCBS 239
• Internal Model Risk Management (MRM) frameworks
• Support architecture documentation for regulatory reviews, internal audit, and external audit.
Technical Validation & Governance
• Review and validate vendor solution designs (e.g., Moody’s RiskFoundation / CreditLens).
• Define Non-Functional Requirements (NFRs): performance, scalability, security, HA/DR.
• Lead architecture walkthroughs and present designs to the Architecture Review Board (ARB).
• Own Solution Design Document (SDD), Interface Control Documents (ICD), ERDs, and data flow diagrams.
🔹 Required Skills & ExperienceTechnical & Domain Expertise
• Strong knowledge of Credit Risk & Enterprise Risk Management, exposure calculation, RWA & ECL.
• Hands-on experience designing or implementing Credit Risk / IFRS9 platforms (Moody’s RiskFoundation, CreditLens, similar).
• Deep understanding of PD, LGD, EAD models, data integration, and ETL architecture.
• Experience with risk data aggregation & reporting (BCBS 239).
• Familiarity with DevOps, CI/CD, microservices, cloud/on-prem architectures is a plus.
Experience & Qualifications
• 8–12+ years of experience in banking technology, risk systems, or enterprise architecture.
• Proven end-to-end architecture experience for Credit Risk or Enterprise Risk platforms.
• Bachelor’s or Master’s degree in Computer Science, Information Systems, or Finance.
• Certifications preferred: TOGAF, AWS/Azure Architect, PMP.
📩 Interested?
• Apply via LinkedIn or share you cv to dhamani@datacube.ae
• NOTE:ONLY RELEVANT TO JD WITH EXPERIENCE OF MANDATORY SKILLS ARE APPLICABLE TO APPLY
