Policy Manager, Credit Cards
DBS Bank
India
6d ago

Business Function

Risk 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 infrastructure.

JobPurpose : The position ensures :

The position ensures :

  • Credit cards credit policy management and MISanalytics for portfolio monitoring and regular reviews
  • Support implementation of Credit cardstechnology platform Credit decision Module
  • Partnership with product development,collections, systems and operations team to ensure product developmentobjectives are met.
  • KeyAccountabilities :

    Fulfil allresponsibilities in relation to :

  • Coordination with relevant stakeholders andensure alignment of objectives
  • Monitor portfolio performance through astructured early warning mechanism
  • Ensure system changes keep pace with productdevelopment and ensure adequate controls
  • Assist on developing Fintech partnerships,vendor empanelment, UAT activities on system changes
  • Compliance with all internal and RBI / MASguidelines
  • JobDuties & responsibilities :

  • Assistin the preparation & implementation of product programs
  • Facilitateregular asset quality reviews with provision of analytics insights to identifyrisks / opportunities and recommend relevant actions
  • Ensurecredit policies and program risk acceptance criteria are reviewed regularly,with timely updates for proactive adaptation to changes in legal / regulatoryrequirements, business strategies, market environment or portfolio performance
  • Driveportfolio management initiatives through the credit cycle management frameworkby working in partnership with product managers, credit systems team, creditoperations team and collection team
  • Workin partnership with credit systems support team to implement key credit policycriteria in relevant credit acceptance & evaluation systems
  • Escalateon timely basis significant risk issues to business management and manager fortaking appropriate remedial actions
  • Ensuretimely completion of RCSAs including appropriate action plans to addressidentified control gaps. Ensure issues / action plans arising from Risk & ControlSelf-
  • Assessments, risk events, KRIs, regulatory inspections or other riskissues are properly followed up.

    RequiredExperience :

    At least 10-12 years of total experience with atleast 8-10 years in the relevant field.

    MBA / CA or equivalent post graduate qualification

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