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.

KEY RESPONSIBILITIES

1. 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.

2. 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.

3. 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.

4. 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).

5. 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 with MAS-regulated financial institutions or equivalent APAC regulatory environments.
Proven track record leading functional workstreams of 5+ consultants in a structured delivery programme (Agile/Waterfall/Hybrid).
Experience interfacing directly with Temenos PS, Temenos Product, and regional SI partners (TCS, Infosys, Synpulse, PwC, Deloitte).

PREFERRED QUALIFICATIONS

Temenos Certified Implementation Professional (TCIP) or equivalent Temenos certification.
Bachelor's degree in Computer Science, Information Systems, Banking, Finance, or related discipline.
CBAP, PMP, or equivalent business analysis / project management certification.
Exposure to Temenos Infinity (digital banking front-end) integration with T24 back-end.
Familiarity with T24 SaaS / cloud-hosted deployment on Azure or AWS.
Prior experience in a product ownership or T24 pre-sales capacity is a plus.

COMPETENCIES & SOFT SKILLS

Exceptional stakeholder management - able to hold executive-level conversations and simultaneously direct technical teams.
Strong written and verbal communication - comfortable producing client-facing documentation to consulting-grade standard.
High analytical rigour - able to independently debug T24 configuration issues without relying on vendor support.
Structured problem-solver - applies root cause analysis (RCA) discipline to complex functional defects.
Delivery-focused - comfortable operating in high-pressure, time-boxed programme environments.