Job Description:
Job Summary
The SAP Deposits & Loans Expert is responsible for leading end-to-end delivery of SAP Banking solutions covering Deposits Management and Loans Management. The role involves overseeing the implementation and optimization of customer account and lending products, ensuring regulatory compliance, operational accuracy, and full lifecycle support for banking operations.
This role requires expertise in SAP Banking Services (formerly BS 7.x), with a strong understanding of financial products, account structures, repayment plans, interest and fee handling, as well as integration with financial accounting. Direct engagement with banking clients is expected to gather requirements, map product behavior, and support production and audit-readiness.
Key Responsibilities
Lead implementation of SAP Deposits and Loans modules (SAP DM and SAP CML)
Design and configure customer account structures, loan contracts, payment schedules, and settlement rules
Define interest calculation methods, charges, conditions, and payment flows
Manage integration with FI-GL, BCA, TRM, and collateral management
Coordinate technical teams for posting logic, mass runs, and batch processing
Oversee regulatory and business reporting readiness (e.g., IFRS9, Basel compliance)
Conduct workshops, define blueprint documents, and validate functional specs
Ensure data migration and account conversion strategy is robust and audit-compliant
Lead UAT, system validation, and cutover planning
Provide go-live support, post-implementation tuning, and ongoing issue resolution
Required Qualifications & Skills
Education & Certifications
Bachelor’s degree in Finance, Information Systems, or related field
SAP Certification in Banking Services (Deposits or Loans Management) preferred
Project Management certification (PMP or equivalent) is a plus
Industry certifications in banking, lending, or risk are beneficial
Experience
8–12 years of SAP Core Banking experience, including at least 5 years in Deposits or Loans
At least 2 years in a managerial or lead functional role
Strong experience in commercial or retail banking projects involving SAP DM or CML
Proven involvement in design, testing, and support of account lifecycle management processes
At least 5 years of experience in the Banking sector
Technical & Functional Skills
Expertise in:
Deposits Management: Product definition, condition groups, account lifecycle events
Loans Management (CML): Contract setup, payment schedules, interest calculation, prepayment
Integration knowledge with BCA, GL, TRM, and collateral management
Familiarity with posting controls, events, and SAP banking-specific mass activities
Understanding of financial accounting postings, valuation, and interest accruals
Exposure to regulatory frameworks (IFRS9, BCBS, AML/KYC) as relevant to account and loan handling
Ability to define and validate functional specifications for extensions
Soft Skills
Strong communication skills with business and technical stakeholders
Leadership and mentoring capability within functional teams
Analytical thinking and structured problem-solving
Documentation and process mapping discipline
Ability to manage complex banking requirements under tight timelines
Client-facing mindset with focus on delivery quality and compliance
Work Environment & Conditions
Consulting environment supporting large-scale banking transformation programs
Travel may be required within the Kingdom of Saudi Arabia
Collaboration with international banking, finance, and technical teams
Involvement in regulatory audits, compliance checks, and internal controls
Participation in requirement gathering, testing cycles, and go-live planning
Continuous learning via SAP certifications and regulatory updates
Role requires precision, accountability, and deep understanding of banking operations
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