AVP, Secured Credit Policy & Portfolio Management, Risk Management Group

Credit Policy & Governance

• Support the development, maintenance, and periodic review of Wealth Management and secured lending credit policies, underwriting standards, and governance frameworks.
• Assess the impact of regulatory developments, market changes, emerging risks, and business initiatives, and recommend policy enhancements where appropriate.
• Provide credit policy guidance and advisory support on lending transactions, collateral structures, margin monitoring requirements, and policy exception requests.
• Ensure policies and governance frameworks remain effective, fit-for-purpose, and aligned with the Bank’s risk appetite and regulatory requirements.

Risk Advisory and Stakeholder Engagement

• Build trusted partnerships with Business, Risk, Legal, Compliance, Technology, and other stakeholders to implement policy changes, portfolio initiatives, and risk management enhancements.
• Provide independent risk perspectives and constructive challenge while balancing business growth objectives with prudent risk management.
• Drive process improvement initiatives to strengthen risk governance, controls, operational efficiency, and data quality.
• Leverage data analytics, automation, and emerging technologies to enhance portfolio monitoring, policy governance, risk reporting, and management information capabilities.

Requirements

Qualifications & Experience

• Degree in Banking & Finance, Economics, Business Administration, Accountancy, Risk Management, Data Analytics, or a related discipline.
• Minimum 8 years of relevant banking experience in Credit Risk, Credit Policy, Portfolio Management, Wealth Management Risk, or Consumer Banking Risk, with hands-on experience managing wealth management and secured lending portfolios, including Single Premium Insurance Financing, Investment Financing, Share Margin Financing, Mortgage Lending, or other collateralised credit facilities.
• Strong knowledge of credit risk, secured lending, collateral management, stress testing methodologies and risk governance frameworks.
• Strong analytical and data management capabilities, with proficiency in tools e.g. Excel, SQL, SAS, Python or similar tools to generate portfolio insights, identify emerging risk and support effective portfolio risk management.
• Strong stakeholder management, influencing and communication skills, including experience presenting portfolio risk assessments and recommendations to senior stakeholders and governance forums.

Leadership & Behavioural Competencies

• Demonstrates accountability, attention to detail, independent thinking and sound judgment in managing risk and delivering high quality outcomes.
• Applies balance risk judgement and commercial awareness to provide effective challenge while supporting sustainable business growth and outcome.
• Strong stakeholder management, influencing, and communication skills, with the ability to build collaborative partnerships across functions.
• Ability to communicate risk concepts clearly and effectively to both technical and non-technical audience.
• Embraces change and actively support innovation, transformation, and continuous improvement initiatives.

Location:

DBS Asia Hub

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time