AVP, Secured Credit Policy & Portfolio Management

About the role

Reporting to the VP, Secured Credit Policy & Portfolio Management, the AVP supports the management of credit policies, portfolio risk oversight and strategic risk initiatives across Wealth Management and secured lending portfolios. The role covers portfolio risk monitoring, credit policy governance, portfolio analytics and risk advisory, ensuring portfolio quality stays aligned with the Bank's risk appetite, regulatory expectations and business objectives. It is based at the DBS Asia Hub.

Key responsibilities

• Monitor the portfolio through risk assessments, stress testing, scenario analysis and reviews, and investigate risk issues to propose mitigations and escalate material concerns
• Analyse portfolio trends, collateral performance and risk concentrations to inform strategy and risk-informed decisions
• Support the development, maintenance and review of credit policies, underwriting standards and governance frameworks, and advise on lending transactions, collateral structures, margin monitoring and policy exceptions
• Assess the impact of regulatory changes, market shifts and emerging risks, and recommend policy improvements
• Partner with Business, Credit, Legal, Compliance, Operations, Finance and Technology to drive process improvement, stronger controls and better data quality
• Use data analytics and automation to improve portfolio monitoring, risk reporting and management information

Required profile

• Degree in Banking & Finance, Economics, Business Administration, Accountancy, Risk Management, Data Analytics or a related discipline
• Minimum 8 years of banking experience in Credit Risk, Credit Policy, Portfolio Management, Wealth Management Risk or Consumer Banking Risk
• 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 stakeholder management, influencing and communication skills, able to present risk assessments to senior stakeholders and governance forums

Required skills

• Strong knowledge of credit risk, secured lending, collateral management, stress testing and risk governance
• Data management and analytical skills with tools such as Excel, SQL, SAS or Python