Senior Associate, Credit Risk Policy, Risk Management Group

Business Function

Risk Management Group works closely with our business partners to manage the bank s risk exposure by balancing its objective to maximize returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.

Job Purpose

• To frame the credit card policy framework (acquisition and account management policies), processes and workflow, assist in growth of the credit card business in India.
• Credit cards credit policy management and MIS analytics for portfolio monitoring and regular reviews
• Support implementation of credit decision module on Credit cards technology platform
• Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met

Key Accountabilities

• Portfolio performance monitoring through a structured early warning mechanism
• Assist on developing Fintech partnerships, vendor empanelment, UAT activities on system changes
• Compliance with all internal and RBI/MAS guidelines
• Ensure system changes keep pace with product development and ensure adequate controls

Job Duties and Responsibilities

• Manage policy / processes for mainly Credit cards for the consumer retail portfolio pan India
• Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Design & manage MIS reporting for credit cards portfolio - Gather risk/business requirements, interpret and analyze and present them to the Leadership through dashboards, visual reports etc.
• Streamline and automate credit risk reporting to ensure timely and accurate generation of reporting outputs by required due dates.
• Link process metrics, performance metrics and set up benchmarks for comparable projects and processes
• 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

Experience

• Minimum 3 years of experience in Consumer Banking (preferably Credit cards/Unsecured loans).
• Exposure to Digital Lending space would be good to have.

Education/Preferred Qualifications

• Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the credit cards business and market.
• Tier 1 educational institutions will be given preference.

Core Competencies

• Good analytical skills
• Good presentation skills
• Good interpersonal skills
• Good knowledge of the industry

Technical Skills

• Proficient in Excel, Microsoft Word, PowerPoint.
• SQL, SAS, Teradata, Oracle, Python
• Added Advantage: Tableau, PYSPARK, Hive

Work Relationship

• Good working relationship with Consumer Banking product team, collection team, Consumer Operations, RBI inspectors, regulators and other external agencies.

DBS India - Culture & Behaviors

• Drive performance through Value Based Propositions
• Build pride and passion to protect, maintain and enhance DBS image and reputation.
• Enhance knowledge base, build skill sets & develop competencies.
• Invest in team building & motivation through ideation & innovation.
• Execute at speed while maintaining error free operations.
• Develop a passion for performance and grow the talent pool.
• Maintain the highest standards of honesty and integrity.