Risk Management Specialist

6 days ago


Mumbai, Maharashtra, India DBS Bank Full time
Job Title: Specialist, Credit Risk Management, Consumer Banking

Job Summary:

We are seeking a highly skilled Specialist, Credit Risk Management, Consumer Banking to join our team at DBS Bank. The successful candidate will be responsible for managing risk to help drive the growth of our Personal Loans business through strategic partnerships.

Key Responsibilities:

  • Develop and implement credit policies and procedures for Personal Loans to ensure effective risk management.
  • Collaborate with internal stakeholders to ensure alignment of objectives and effective implementation of credit policies.
  • Monitor portfolio performance through a structured early warning mechanism and provide analytics insights to identify risks and opportunities.
  • Ensure compliance with all internal and regulatory guidelines, including RBI and MAS regulations.
  • Work closely with the Consumer Banking product team, collection team, and other external agencies to drive portfolio management initiatives.

Requirements:

  • Minimum 5-7 years of experience in Consumer Banking, preferably in Personal Loans or Unsecured Loans.
  • Good analytical and presentation skills, with the ability to communicate complex ideas effectively.
  • Strong knowledge of credit evaluation methods, tools, and techniques, as well as regulatory guidelines on credit issued by RBI and MAS.
  • Ability to work in a fast-paced environment and prioritize multiple tasks effectively.

Preferred Qualifications:

  • Professional qualification, graduate or postgraduate degree (MBA/CA).
  • 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, and 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.

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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