# AI Banking Process Transformation Consultant

> Unison Group · Singapore, Singapore · — · Posted 2026-05-13

**Workplace:** on_site

**Department:** Bharat

## Description

**Job Profile**

We are looking for a **Senior Subject Matter Expert (SME)** with strong **end-to-end banking process expertise** to support process review, optimization, and transformation initiatives across key finance and banking operations. This is **not a pure Project Manager role** — the ideal candidate should be a **hands-on domain expert** who can assess current-state processes, identify pain points, and advise on **AI-enabled optimization opportunities** across workflows, controls, and customer/service journeys.

The SME may come from either of the below domains:

-   **Credit / Lending end-to-end process**
-   **Wholesale Banking / Treasury Payments process**

Exposure to **asset digitization / tokenization** will be an added advantage, especially where it intersects with credit, collateral, payments, treasury operations, or transaction workflows.

**Key Responsibilities**

-   Act as a **senior domain advisor** for banking process transformation initiatives, with focus on **process efficiency, control enhancement, and automation opportunities**.
-   Review and map **end-to-end business processes**, identify operational bottlenecks, control gaps, and opportunities for **AI-led optimization**.
-   Provide SME input across **business process redesign**, target operating model, workflow improvement, and transformation planning.
-   Partner with business, operations, technology, architecture, and change teams to define **future-state processes** and practical implementation recommendations.
-   Assess how **AI / GenAI / intelligent automation** can improve productivity, turnaround time, decisioning, exception handling, document processing, and customer servicing.
-   Support workshops, discovery sessions, and requirement discussions with stakeholders across operations, finance, product, risk, and technology teams.
-   Translate business process pain points into **transformation use cases**, process improvement recommendations, and implementation priorities.
-   Provide advisory input during **evaluation / planning / execution phases** of strategic transformation programs.
-   Ensure recommendations align with **banking controls, compliance requirements, operational risk considerations, and governance frameworks**.
-   Contribute to business case preparation, impact assessment, process documentation, and operating model recommendations.
-   Where relevant, advise on **digitization of banking assets / workflows**, including tokenization-linked operating processes and downstream impacts.
-   Work closely with delivery teams to ensure domain alignment during solution design and implementation.

**Domain Expertise – Candidate can come from either area**

**A. Credit / Lending SME**

Strong knowledge in one or more of the below:

-   Corporate / Commercial / Wholesale Lending lifecycle
-   Loan origination, underwriting, credit assessment, approval workflows
-   Documentation, collateral, covenant monitoring, disbursement, servicing, and closure
-   Credit operations, loan booking, renewals, restructuring, limits, and exceptions
-   Exposure to trade / structured / secured lending is a plus

**B. Payments / Treasury SME**

Strong knowledge in one or more of the below:

-   **Wholesale Banking Payments** lifecycle
-   Treasury / transaction banking operations
-   Domestic / cross-border payments, settlement, reconciliation, liquidity or cash management
-   SWIFT / payment messaging / payment controls / exception handling
-   Payment operations, investigation flows, sanctions / compliance touchpoints, treasury servicing
-   Exposure to digital payments modernization is an advantage

**Required Skills & Experience**

-   **10+ years** of experience in **banking domain roles**, with strong expertise in **end-to-end process flows** rather than only system/project coordination.
-   Proven experience as a **Business SME / Process SME / Transformation Advisor / Domain Consultant** within banking or financial services.
-   Strong understanding of **banking operations, process controls, dependencies, and operational pain points**.
-   Experience in **process optimization / transformation / operating model / business analysis / advisory** roles.
-   Good understanding of how **AI, GenAI, workflow automation, OCR, NLP, intelligent decisioning, or process mining** can be applied in banking processes.
-   Ability to engage senior stakeholders and provide **practical, business-led transformation recommendations**.
-   Strong workshop facilitation, documentation, process mapping, and stakeholder management skills.
-   Exposure to large-scale **banking transformation / replacement / optimization** programs will be highly preferred.

## Apply

[Apply at Unison Group](https://apply.workable.com/unisongroup/j/CF7A7B562B/apply)

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