Associate, Credit Risk Manager, Risk Management Group

DBS Bank (Indonesia); Mumbai; Vor Ort; INR 4.500.000 - 7.000.000; Vollzeit

Zusammenfassung

DBS India is seeking a Policy Manager for Prime Loan Against Property (PLAP) to design and lifecycle-manage credit policies, RAC, and underwriting guidelines in line with RBI guidelines and risk appetite. The role requires coordinating with business and technology teams to implement policy into system rules and ensure strong controls.

Ideal candidates will have 8 years in banking with 5–7 in retail/consumer credit risk, and hold or pursue FRM/CFA certifications, with deep LAP knowledge and

Qualifikationen

• Bachelors or Masters in Finance, Economics, Business Administration, Statistics, or related quantitative field.
• FRM and/or CFA certifications are an added advantage.
• 8 years of overall banking experience with 5–7 years in Retail/Consumer Credit Risk, Credit Policy, or Portfolio Management focused on Secured Lending (LAP).
• Strong regulatory knowledge of RBI guidelines and CERSAI requirements.
• Proficient in portfolio analytics, PD/LGD/EAD metrics, and risk modelling.

Aufgaben

• Design, formulate, and lifecycle-manage credit policies, RAC, and underwriting guidelines for Prime Loan Against Property (PLAP).
• Monitor portfolio health, trigger management (MAT), and portfolio caps for PLAP and secured lending.
• Collaborate with Business, Product, and Technology teams on new product variants and digital workflows; align policies with system rules.
• Support audit and CFRM teams to address vulnerabilities and ensure regulatory compliance.
• Define and govern DoA matrices for credit managers.

Kenntnisse

Credit risk management

Portfolio analytics

Regulatory compliance

Stakeholder management

Data-driven decision making

LAP / secured lending knowledge

Communication

Ausbildung

Finance / Economics / Business Administration degree

Statistics

FRM / CFA (advantage)

Tools

ORWB (One Risk Workbench)

IBPM workflows

Jobbeschreibung

Job Purpose

The Policy Manager for Prime Loan Against Property (PLAP) is responsible for designing, formulating, and lifecycle-managing the credit policies, risk acceptance criteria (RAC), and underwriting guidelines for secured asset portfolios (specifically Loan Against Property / PLAP) within Consumer Banking Group (CBG) Credit.

The role ensures that the portfolio growth aligns with the bank's approved Risk Appetite Framework while balancing aggressive business expansion goals with prudent credit risk controls, regulatory compliance (RBI guidelines), and fraud mitigation.

Job Duties & Requirements

1. Policy Formulation and Framework Design

• Credit Policy Architecture: Own, review, and periodically update the credit policies, Product Programs (CPP), and underwriting guidelines for Prime Loan Against Property (PLAP) in coordination with business units and senior management.
• Risk Acceptance Criteria (RAC): Calibrate and refine RAC parameters (such as LTV caps, debt-to-income ratios, collateral eligibility, property valuation metrics, and negative area/pincode restrictions) based on macroeconomic trends, portfolio performance, and stress-testing results.
• Standardization: Ensure clear alignment of PLAP policies with overarching Group Core Credit Policies, Risk Appetite Statements (RAS), and local regulatory mandates (e.g., RBI Master Directions).

2. Portfolio Monitoring, Analytics & Quality Assurance

• Portfolio Health Tracking: Continuously monitor portfolio metrics (delinquencies, early-stage flow rates, bounce rates, LTV migration, and Concentration Risk thresholds) to identify emerging credit risks or asset quality deterioration.
• Trigger Management: Implement and monitor Management Action Triggers (MAT) and portfolio caps for PLAP and broader secured lending portfolios.
• Audit & Compliance Support: Partner with Quality Assurance (QA) and Credit Fraud Risk Management (CFRM) teams to review control parameters, address policy/process vulnerabilities, and ensure audit readiness.

3. Cross-Functional Collaboration & Product Expansion

• New Product Programs (NPP): Collaborate with Business, Product, and Technology & Operations (T&O) teams to evaluate and structure new product variants, digital/phygital journey integration (e.g., automated appraisal workflows, API-driven verification), and alternative scoring models.
• Process Alignment: Work closely with Credit Operations (CBO) and underwriting teams to ensure seamless policy translation into system rules (e.g., One Risk Workbench/ORWB, IBPM workflows) and operational execution manuals.
• Exception & Escalation Governance: Review and decide on complex policy exception frameworks, setting clear delegation of authority (DoA) matrices for credit managers.

Required Experience

Bachelors/Masters degree in Finance, Economics, Business Administration, Statistics, or a related quantitative field.

Professional risk certifications (e.g., FRM, CFA) are an added advantage.

Education / Preferred Qualifications

Graduate / Post Graduate in relevant field.

Core Competencies

Technical Competencies

• Deep Regulatory & Product Knowledge: Strong understanding of secured lending products, property valuation methodologies, legal title checks, CERSAI regulations, and RBI guidelines governing commercial and retail banks in India.
• Data-Driven & Analytical: Strong command over portfolio analytics, credit risk modelling metrics (PD, LGD, EAD), and performance tracking dashboards.
• Stakeholder Management: Excellent communication and collaboration skills with the ability to influence senior business leaders, risk committees, and operational teams.
• Governance Mindset: Demonstrated ability to balance business growth objectives with robust risk controls and rigorous compliance standards.

Work Relationship

8 years of overall banking experience, with at least 5–7 years specialized experience in Retail/Consumer Credit Risk, Credit Policy, or Portfolio Management—specifically focused on Secured Lending, Mortgages, or Loan Against Property (LAP)

DBS India - Culture & Behaviors

• Performance through Value Based Propositions
• Ensure customer focus by delighting customers & reduce complaints
• Build pride and passion to protect, maintain and enhance DBS image and reputation
• Enhance knowledge base, build skill sets & develop competencies
• Execute at speed while maintaining error free operations
• Maintain the highest standards of honesty and integrity

Location: Regional Office Mumbai

Job: Regular

Schedule: Regular

Employee Status: Full time