Principal Business Consultant

Responsibilities

• Functional Architecture & Requirements
• Lead T24 functional design workshops with C-suite, product owners, and operations teams across Retail, Corporate, Trade Finance, and Treasury banking domains.
• Produce detailed Functional Specification Documents (FSDs), Business Requirement Documents (BRDs), and Functional Design Documents (FDDs) mapped to T24 module configurations.
• Define target-state operating models aligned to T24 Transact capabilities including AA (Arrangement Architecture), EB, FT, and LC modules.
• Drive gap analysis between client requirements and out-of-the-box T24 functionality - recommending parameterisation vs. localisation vs. bespoke development.
• T24 Configuration & Technical Oversight
• Configure and validate T24 AA product framework including Product Lines, Product Groups, Conditions, and Arrangement definitions for Loans, Deposits, CASA, and Trade products.
• Review and approve T24 TAFC/TAFJ-based customisations, OFS message structures, and TSA Server configurations with development teams.
• Oversee T24 COB (Close of Business) batch sequence design and validate batch job configurations for business-critical end-of-day processing.
• Hands-on validation of T24 interfaces - SWIFT (MT/MX), ISO 20022, host-to-host integrations, and middleware (MQ, Kafka) message flows.
• Review T24 USER/VERSION/ENQUIRY/NOFILE configurations and conduct peer reviews of developer-built components.
• Migration, Upgrade & Cutover
• Lead data migration strategy for T24 implementations - including account, customer, GL, and standing order migration from legacy core banking platforms (Flexcube, Finacle, BankMaster, etc.).
• Own cutover planning, rehearsal scheduling, go/no-go criteria definition, and hypercare support playbook.
• Define and execute T24 version upgrade impact assessments - identifying deprecated features, mandatory service patches, and regression risk areas.
• Manage T24 Model Bank baseline configuration and delta analysis between client environment and Temenos reference model.
• Testing & Quality Assurance
• Design and own the Functional Test Strategy - SIT, UAT, regression, and parallel-run frameworks for T24 programmes.
• Write and review T24-specific test scenarios covering AA conditions, batch processing, interest accrual, charge definitions, and multi-currency transactions.
• Conduct triage of T24 defects - distinguishing configuration errors from product bugs, and managing Temenos SFR/CR submissions where required.
• Validate T24 financial reconciliation outputs - GL balancing, MIS reporting, and regulatory reporting feeds (MAS 610, BASEL III).
• Stakeholder Management & Delivery Leadership
• Act as the primary functional escalation point for project teams, client business owners, and Temenos Professional Services.
• Manage functional workstream planning, resource allocation, and milestone tracking within T24 delivery programmes.
• Conduct impact assessment and change control analysis for scope changes mid-implementation.
• Mentor and provide technical direction to junior and mid-level T24 consultants on the engagement.
• MANDATORY TECHNICAL REQUIREMENTS
• Domain
• Required Knowledge
• T24 Core Modules
• AA Framework, EB, FT, AC, RE, LD, MM, SC, TT, LC, DE (Data Enrichment)
• T24 Architecture
• TAFJ / TAFC runtime, jBASE, Universe/UniData, OFS, TSA, COB architecture
• T24 Tooling
• T24 Design Studio (TDS), T24 Browser, IRIS (Infinity), Model Bank, T24 Connector
• Integration
• SWIFT MT/MX, ISO 20022, API Banking (REST/SOAP), Kafka/MQ, Connect24
• Regulatory (SG)
• MAS 610 reporting, AML/CFT, FATCA/CRS, local GIRO/FAST/PayNow integration
• Database
• MS SQL Server / Oracle - T24 table structures and data query capability
• Migration Tools
• T24 data migration utilities, CSV loaders, OFS batch scripting
• EXPERIENCE REQUIREMENTS
• Minimum 10 years of hands-on T24 functional consulting experience - across at least 3 full end-to-end T24 implementations.
• Must have worked on T24 versions R18 or later (R21 / R22 / Transact SaaS experience strongly preferred).
• Experience with at least two banking verticals: Retail Banking, Corporate Banking, Trade Finance, Treasury, or Private Banking.
• Prior engagement

Additional Information

ROLE OVERVIEW We are seeking a highly experienced Principal Business Consultant with deep, hands-on expertise in Temenos T24 / Transact core banking implementations. This is a technically demanding, client-facing role where you will act as the senior subject matter expert (SME) across multiple T24 functional domains, driving complex implementation, migration, and upgrade programmes for Tier 1 and Tier 2 banking clients across Singapore and the broader SEA region. You will be expected to own the full functional lifecycle - from requirements blueprinting through to go-live - while bridging the gap between business stakeholders and the technical delivery team. Candidates who can only operate at a high-level advisory capacity without deep system knowledge will not be suitable for this role.

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