DBS Bank Hiring for Specialist, Credit Portfolio management, Consumer Banking Job at India Full Time

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

Job Purpose (In a brief, specific one or two-sentence statement, answer the questions: “Why does this position exist?” and “What is it expected to accomplish?”)

The position ensures:

• Prepare management dashboards & MIS for in-country and region to ensure appropriate in-depth tracking of portfolio for the agency at product and bucket level.
• Leveraging the DM9 collection system to drive strategies to be rolled out to DCA’s for better portfolio performance.
• Budget and Forecast of NSP & NPL

Key Accountabilities (List the expected end results or KPIs that the job holder is expected to achieve for this job. Do not list more than 5)

Fulfil all responsibilities in relation to:

• Coordination with ZCM in order to provide data as well as to ensuring better resolutions
• Monitoring portfolio performance of delinquent accounts assigned to DCA
• Publishing weekly, monthly MIS to stakeholders and regional team
• Preparing review decks for region and stakeholders

Job Duties & responsibilities (List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)

• Analysing the data and Implementing different collection strategies within DM9
• Creating Jobs and UDP’s within DM9(Collection system) to meet Collection unit requirements
• Automation and Enhancement of existing MIS reports
• Pro-actively developing new dashboard which can help department head drive their function
• Development of new reports as per the requirements and increase the usability of new and existing reports
• Processing adhoc request in a timely manner and checking whether existing reports can serve the adhoc purpose
• Creating reports using DM9 system
• Monthly allocation of delinquent accounts to DCA and in DM9
• Preparing Collection Deck having various portfolio & collection cuts
• Publishing weekly, monthly MIS and PPTs to stakeholders and regional team
• Projection, budgeting for collection costs
• Forecast of NPA & Provisioning
• Design incentive, payout structure for DCA’s to enhance performance
• Resource planning for collection process
• Track performance of outsourced collection process and engage with collection agencies

Required Experience:

• 5-6 years of total experience in Retail Credit MIS

Education / Preferred Qualifications:

Graduation degree with technical skills

Core Competencies:

• Banking or NBFC domain knowledge
• Good analysis & evaluation skills
• Good communication & presentation skills
• Good problem solving, planning & organizing skills
• Good team player or able to work individual

Technical Competencies:

• Hands on Knowledge of Microsoft products like Excel, Access , Powerpoint, Word
• Technical skill in SQL language

Work Relationship:

• Interactions within Collection team
• Interactions with Fraud & Credit team and external vendors