AVP, Personal Loans

4 weeks ago

Mumbai, India DBS Bank Full time

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 personal loans policy framework (acquisition and account management policies), processes and workflow, assist in growth of the personal loans business in India.

· Personal loans credit policy management and MIS analytics for portfolio monitoring and regular reviews

· Support implementation of credit decision module on Personal loans technology platform

· Partnership with product development, collections, systems and operations team to ensure product development and roll out objectives are met

Key Accountabilities:

· 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 and Responsibilities:

· Manage policy / processes for mainly Personal loans for the consumer retail portfolio pan India

· 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

Experience:

· Minimum 10 years of experience in Consumer Banking (preferably Personal loans/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 personal loans 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 Competencies:

· Sound knowledge of policies / lending frameworks followed for personal loans product.

· Good knowledge of credit evaluation methods, tools & techniques

· Exposure to Digital channels, FinTechs and online tools of credit dispensation.

· Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.

· Knowledge of various banking products and risks associated with them

· Knowledge of SQL, SAS will be added advantage

Work Relationship:

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

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