Associate, Specialist, Credit Portfolio Management, Risk Management Group

Job title: Associate, Specialist, Credit Portfolio Management, Risk Management Group

Company: DBS Bank


Job description: Business FunctionRisk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise 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 infrastructureJob Purpose

• Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolios
• Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards

Key Accountabilities

• Manage Regulator Reporting (Monthly/Annually/Semi-annually as per requirements)
• Ad-hoc data requirement from any regulator/auditor
• Manage end to end process for Bureau Reporting/NESL reporting which would also include managing customer escalations, maintaining data quality & ensuring the same happened within prescribed timelines.
• Identify problem areas & propose & implement solutions to increase the Data Quality on various reporting.
• Manage internal/External Audit requirements,
• Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations etc to ensure any requirement is addressed in timely manner
• Be updated with latest regulator changes in line with business & envisage impact to our business lines.
• Support Digitalisation projects / Automation of reportings .

Job Duties & responsibilities

• Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
• Identify opportunities/ gaps to improve data quality and existing reporting processes.
• Understand exact requirement from internal/external stake holder & action appropriately.
• Maintain checklist of all reporting to be done by due dates, track the same closely & publish on weekly basis.
• Highlight risks in timely manner to ensure timely action can be taken to mitigate the same
• Present MIS & data in required formats which are visual, universally understandable or easy to interpret
• Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.

ExperienceAt least 5-7 years of experience in financial sector towards Retail Credit risk MIS/Analytics/ CIC (CIBIL) Reporting and CIBIL dispute management process.Education / Preferred Qualifications

• Degree holder, preferably in risk management/ quantitative discipline
• Knowledge of Microsoft Office (Word, Excel, Powerpoint & Access).
• Good understanding and knowledge of credit cycle management (acquisition, collection & portfolio management) in a consumer credit environment preferred.

Work Relationship

• Team-player with good inter-personal, communication & writing skills.
• Meticulous with strong analytical and problem-solving skills.
• Seek to understand stakeholder’s point of view and find win-win solution.
• Motivated and self-driven.

Expected salary:

Location: Mumbai, Maharashtra

Job date: Sun, 09 Mar 2025 08:01:44 GMT

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