Associate Credit Risk Manager
DBS Bank Ltd is a Singapore-based bank providing personal, SME, corporate, institutional, wealth management, financial markets, and digital banking services. Its clients include consumers, small and medium-sized businesses, corporations, and institutional customers.
About DBS Bank Ltd
DBS Bank Ltd provides banking products and services including accounts, cards, insurance, loans, investments, digital banking, payments, trade finance, foreign exchange, commodities, investment solutions, and derivatives clearing. Through its SME business, it supports businesses with financing, cash-flow management, online banking through DBS IDEAL, sustainability programmes, and business-growth initiatives. The bank serves personal customers, SMEs, corporate and institutional clients, and wealth-management customers across its regional markets.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will design, review, and update PLAP credit policies, risk-acceptance criteria, and underwriting guidelines. You will monitor portfolio health, implement action triggers and caps, support audits and compliance, assess product programs, translate policies into operational rules, and govern policy exceptions.
Requirements
- Bachelor’s or Master’s degree in Finance, Economics, Business Administration, Statistics, or a related quantitative field.
- 8 years of overall banking experience.
- 5–7 years of specialized experience in retail or consumer credit risk, credit policy, or portfolio management focused on secured lending, mortgages, or loan against property.
- Understanding of secured lending, property valuation, legal title checks, CERSAI regulations, and RBI guidelines.
- Knowledge of portfolio analytics and credit-risk metrics including PD, LGD, and EAD.
- Stakeholder-management, communication, collaboration, and governance skills.
Responsibilities
- Design, review, and update PLAP credit policies, product programs, and underwriting guidelines.
- Calibrate risk-acceptance criteria using macroeconomic trends, portfolio performance, and stress-testing results.
- Align policies with group credit policies, risk-appetite statements, and RBI requirements.
- Monitor portfolio metrics to identify emerging credit risks and asset-quality deterioration.
- Implement and monitor management action triggers and portfolio caps.
- Support quality assurance, fraud-risk reviews, audit readiness, and control improvements.
- Evaluate new product variants, digital journeys, and alternative scoring models.
- Translate policies into system rules and operational execution manuals.
- Review complex policy exception frameworks and delegation-of-authority matrices.
