SVP, Head of Cards Portfolio Management, Consumer Banking

About the role

DBS Consumer Banking Group, the leading bank in Asia, is looking for a Senior Vice President, Head of Cards Portfolio Management within its Consumer Banking Group. The role calls for strategic leadership of the credit card portfolio, with full accountability for portfolio profitability, growth and credit risk performance, while staying aligned with the bank's strategic objectives and regulatory requirements. It is based in DBS Asia Central.

Key responsibilities

• Own and deliver the cards portfolio P&L and balance sheet end-to-end, define and execute growth strategy across customer segments, and drive revenue from interest and fees while optimising funding costs, credit losses and operational expenses.
• Lead data-driven analytics on portfolio performance (spend, customer rates, activation, attrition, customer lifetime value), turn insights into actions across products, marketing and risk, and build KPI frameworks and dashboards.
• Optimise interest income and fees through pricing strategies, line management and behavioural segmentation, and grow revolving balances within agreed credit risk guardrails.
• Oversee spend and balance-build campaigns, ensuring ROI discipline on promotion and marketing investment.
• Partner with Customer Center and Operations to improve customer communications and servicing, resolving pain points and using automation and data to scale efficiently.
• Ensure portfolio activities comply with regulations and internal policies, and partner with stakeholders on appropriate controls.
• Lead and develop the portfolio management team, influence stakeholders across functions, and act as a core member of the cards leadership team.

Required profile

• 10 to 15 years of proven experience in credit cards and unsecured lending at a senior level (SVP or equivalent).
• Excellent P&L management skills with demonstrated delivery of revenue and profitability outcomes.
• Strong leadership and communication skills to manage teams and influence stakeholders.

Required skills

• Deep expertise in portfolio analytics, customer segmentation and product lifecycle management.
• Strong understanding of credit and operational risks, controls and compliance, with a proven ability to work in a highly regulated environment.