Associate, Specialist Platform-Credit Risk

Business FunctionAs the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business - they were made just right for you.Job PurposeThe person will be responsible for driving the entire cycle of development and management of digital platform, designed for credit risk and collections, Customer Journey enhancements thereby ensuring smooth launch, market positioning and commercialisation of the various product.Requirements* Enabling technical initiatives in the consumer banking space for Credit Risk and Collection related functionalities* Enablement of existing business, enhancement of customer experience with proper control on fraud and risks.* Complete responsibility for driving the entire cycle of development and management of Risk platform, Customer Journey enhancements and ancillary product launches.Job Duties & responsibilities* Oversee the comprehensive end-to-end project lifecycle for Consumer Banking initiatives pertaining to Credit Risk and Collections within DBS India.* Manage the technology pipeline for the Risk Management under Retail Lending and Credit Cards with help of the Platform lead and team. Leverage tools like JIRA and Confluence* Detail out business requirements along with the risk management teams by understanding the key functionalities to be delivered and the technology applications available in the bank.

Ensure the requirement documents are detailed and first time right.* Design & Drive Process Improvements across E2E Customer Journey, coordinate with Tech/Ops and track & accelerate system specific enhancements & integrations* Understand the key applications supporting Loans and Cards – Core Banking (Finacle/CMCP), Collection systems* Understand the regulatory landscape and any changes which are issued for the Loans and Credit Cards* Understand the underlying technical architecture and help out the product teams for resolving any issues to the extent possible* Keep a constant focus on the builds and think in the view of the reusability of the same across the products* Lead the UAT planning for the deliverables and manage the UAT execution. Report the progress to the management* Work with technology delivery teams to clear out any challenges faced in UAT including technical API testing* Collaborate with stakeholders to identify pain points and define optimal customer experiences within existing customer journeys.* Track the progress of the builds with the help of Technology counterparts* Work with the team to do the budgeting exercise for the technology items and manage the delivery within the budget for the year* Oversee customer complaint resolution and ensure timely defect management.Required Experience9+ years of experience post Bachelor degree with a proven track record in the financial services and/or banks, ideally in managing developments for Loans and credit cards Education / Preferred QualificationsAny graduationCore Competencies* Results driven - possesses an ability to find solutions to difficult problems quickly and effectively* Process orientation - ability to perform within existing systems and processes, while project managing for process improvement* Interpersonal effectiveness and ability to influence - ability to interpret data and articulate to convince others* Team Effectiveness - Ability to work in a cross-functional, dynamic environment and support team members in the achievement of their goalsTechnical Competencies* Proven experience mobile and net banking product management with added exposure to core banking platform.* Good grasp of the agile development environment.* Strong analytical skills, creative, detail oriented, and solid problem-solving skills with a passion for new technologies* Strong analytical acumen to translate data in to actionable trends and potential business ideas Work Relationship* Ability to work in a cross-functional, dynamic environment and support team members in the achievement of their goals DBS India - Culture & Behaviors* Drive Performance Through Value Based Propositions* Ensure Customer Focus by Delighting Customers & Reduce Complaints* Build Pride and Passion to Protect, Maintain and Enhance DBS' 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 to Grow Talent Pool* Maintain the Highest Standards of Honesty and Integrity