DBS Bank - Senior Associate - Credit Analyst - Unsecured Lending

We have an excellent opportunity with the bank for the role of Credit Analyst - Unsecured Lending.

Job details are as follows :

Job Purpose

The position ensures:

- Consumer credit policy management and MIS analytics for portfolio monitoring and regular reviews

- Partnership with product development, collections, systems and operations team to ensure product development objectives are met

Key Accountabilities:

Fulfil all responsibilities in relation to:

- Coordination with relevant stakeholders and ensure alignment of objectives

- Monitor portfolio performance through a structured early warning mechanism

- Ensure system changes keep pace with product development and ensure adequate controls

- Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes

- Compliance with all internal and RBI/MAS guidelines

Job Duties & Responsibilities:

- Assist in the preparation & implementation of product programs

- Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions

- Ensure credit policies and program risk acceptance criteria are reviewed 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 systems team, credit operations team and collection team

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

- Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions

- Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps

- Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up

Technical Competencies:

- Good knowledge of credit evaluation methods, tools & techniques

- Exposure to Digital channels, Fintechs and online tools of credit dispensation

- Experience in central credit policy or risk teams in HO

- Knowledge of consumer banking products

Rasika Daflapurkar