Join EY as an Associate Director in Banking & Capital Markets, specializing in Mortgages and Lending Transformation. This role is pivotal in driving functional transformation for leading global banks, focusing on achieving Straight Through Processing (STP) and automation across lending journeys. You will collaborate closely with technology teams to guide solutions from conception through to successful implementation and production.

This is a key functional transformation role, distinct from pure technology or program management positions. You'll leverage your expertise to enhance operational efficiency and client experience within the banking sector.

Lead comprehensive functional transformations across the entire mortgage and lending lifecycle, encompassing origination, verification, underwriting, credit decisioning, documentation, fulfillment, and servicing.

Identify opportunities to streamline manual processes, redesign workflows for enhanced STP, touchless processing, and automation.

Collaborate with Technology and Architecture teams to translate business requirements into actionable, implementable solutions.

Utilize capabilities such as workflow/BPM, rules/decision engines, APIs, OCR/IDP, RPA, and AI/ML.

Design robust exception management processes and define effective human-in-the-loop workflows for complex cases.

Drive significant improvements in key metrics including STP rates, turnaround times, reduction in manual touchpoints, lower exception rates, enhanced productivity, and cost-to-serve.

A minimum of 12 to 18 years of experience within Banking & Financial Services is required, ideally from a global bank, GCC/GIC, or a specialized banking transformation environment.

Possess deep functional expertise in Mortgages, Consumer Lending, Retail Lending, and/or Secured Lending.

Demonstrate a proven track record of personally delivering STP and automation transformations within the lending or mortgage domains.

Exhibit a strong understanding of loan origination, underwriting, credit decisioning, verification, fulfillment, and servicing processes.

Showcase practical experience partnering with technology teams to design and implement lending solutions in production environments.

Effectively articulate technology requirements to enable business transformation without necessarily being a hands-on technologist.

Possess a solid grasp of credit, risk, regulatory, and operational considerations pertinent to lending.

Experience in delivering tangible transformation outcomes at a substantial scale is essential.

Excellent senior stakeholder management and communication skills are a must.