DBS Bank | Product Manager, SME Banking | mumbai

2 weeks ago


mumbai, India DBS Bank Full time

Job Purpose:

The position exists as there is now complete market opportunity that is emerging around Ecosystem/B2S Lending which requires dedicated Product support from Policy/Process/Monitoring and journey standpoint.


Key Accountabilities:

  • Responsible for overall product management & managing Credit program/policies of Alternate Lending programs (Ecosystem led partnerships) & Big-to-small, related programs (SCF, Anchor led)
  • Design & manage SOPs on E2E lending journey with adequate risk controls
  • Overall portfolio management of the Credit programs including monitoring of triggers & caps
  • Management of adherence of Digital lending guidelines & ensuring applicable program compliance
  • Support in digital implementation of the lending journeys


Job Duties & responsibilities:

  • Responsible for devising new credit programs / existing program amendments
  • Creation of E2E SOP for Alternate lending programs for various used cases i.e. Ecosystem / Co-lending/ B2S
  • Work closely with Ecosystem team and other relevant stakeholders to ensure timely go-live of lending programs under the partnerships
  • Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships
  • Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene it
  • Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies
  • Provide portfolio insights partner-wise
  • Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governance
  • Collaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedback)
  • Support the coverage team for successful commercialization of partnerships for scale up of asset customers
  • Devise customized training programs for the front line for effective sales & marketing Alternate Lending programs
  • Build feedback loop with partner/coverage team for improvement


Requirements:

  • Good understanding of the process through preferably prior experience of 4-6 years in Secured Loans(SME ,Working Capital, ODs, Term Loan, LAP)
  • Strong experience in credit program management, lending journeys, and digital transformations.
  • Proven track record of partner collaboration and ensuring adherence to compliance standards.
  • Ability to devise customized training programs and lead teams to successful outcomes.


DBS India - Culture & Behaviors:

DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are:

  • Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions
  • Ensure Customer Focus by Delighting Customers & Reduce Complaints
  • Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
  • Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement
  • Maintain the Highest Standards of Honesty and Integrity.


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