Business Function

Corporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts time deposits, trade finance, working capital finance, term loans and foreign exchange, Through our continued commitment, DBS has cultivated long standing relationships with its customers in the region that are based on account relationship management, service differentiation product development and rigorous credit standards.

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 SME lending, 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
Creation of credit programs foe SME lending and commercialisation of the same
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

Required Experience

The candidate should have 6-8 years minimum overall relevant experience. Experience in Product Management, lending spl trade finance and digital is preferred.

Education / Preferred Qualifications

MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 institute

Core Competencies

The Job Holder Needs To Possess The Following Skills

Job Knowledge: The job holder should be fast learner in the job
Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines
Proactive: To understand the system implementations and grasp the changes faster
Communication Skills: The job holder needs to have effective verbal as well as written communication skills
Interpersonal Skills: The job holder needs to liaise with various stake holders (internal and external)

Technical Competencies

The candidate should be proficient in MS-Word, PPT and Excel

Work Relationship

To Work With

Internal: IBG 4 Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG-Tech
External: Ecosystem partners

DBS India - Culture & Behaviors

Should be able to demonstrate high degree of PRIDE values – spl Purposeful, Innovative and Decisive

Apply Now

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Primary Location

India-Maharashtra-Mumbai

Job

Product Management

Schedule

Regular

Job Type

Full-time

Job Posting

Feb 3, 2025, 7:09:13 PM

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