DBS Bank - Unsecured Credit Risk & Portfolio Management Manager

Company Description -

DBS is a leading financial services group in Asia, with over 280 branches across 18 markets. Headquartered and listed in Singapore, DBS has a growing presence in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's capital position, as well as "AA-" and "Aa1" credit ratings, is among the highest in Asia-Pacific. DBS has been recognised for its leadership in the region, having been named - Asias Best Bank by The Banker, a member of the Financial Times group, and - Best Bank in Asia-Pacific by Global Finance. The bank has also been named - Safest Bank in Asia- by Global Finance for seven consecutive years from 2009 to 2015.

Job Description -

Position Title :

Unsecured Credit Risk & Portfolio Management Manager

Department : RMG Group Consumer Credit - Singapore Consumer Credit

Job Purpose :

Design & manage consumer credit policy and MIS analytics standards to control portfolio quality through the credit cycle

Cultivate & maintain a consistent consumer credit culture in the Bank to achieve best-in-class standards

Key Accountabilities :

- Establish and maintain relevant credit policies, risk monitoring structure and portfolio quality standards for consumer credit products

- Integrate credit policies and portfolio quality management with risk analytics capabilities through use of analytics tools including scorecards and Basel II risk models

- Ensure loan acquisition strategies are based on risk/ reward balance, with alignment to business strategies and in compliance with relevant regulations

- Drive continuous improvements in analytics capabilities and enhancements in the use of risk models & analytics tools

- Identify opportunities for continuous improvements in credit processes

Job Duties & responsibilities:

Lead in the preparation & implementation of product programs

- Engage business partners in regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions

Review credit policies and program risk acceptance criteria regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance

- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team -

Ensure adequate awareness of key risk controls in credit processes

Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems

Experience :

At least 10 years of exposure in consumer credit/ lending, with focus on unsecured lending.

- Experience in secured lending would be an added advantage.

All-round understanding of consumer loan products and credit cycle management framework, including product structure/ packaging, regulatory requirements, consumer lending business & market dynamics, key risk & revenue drivers, product profitability, performance analysis.

Job Type - PERMANENT

Job Time - FULLTIME

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