SAP Deposit & Loans Expert

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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