VP, Loans Product Management - Equipment & Vehicle Financing (Mid Cap & SME)

About the role

DBS is seeking an experienced Loan Product specialist to oversee the governance, design and lifecycle management of Equipment and Vehicle Financing products for Mid-Cap and SME clients within the Institutional Banking Group. The role emphasises robust product frameworks, risk discipline and regulatory compliance across structured asset-based lending, ensuring sound portfolio performance and operational integrity.

Key responsibilities

• Lead the design, standardisation and ongoing review of equipment and vehicle financing products, including Hire Purchase, Block Discounting and Floor Stock financing
• Establish and maintain product programmes, policy documents and control frameworks across the product lifecycle
• Define and review pricing methodologies, underwriting standards and product parameters in line with risk appetite
• Monitor portfolio health metrics such as asset quality, utilisation, delinquencies and residual value exposure
• Partner with Risk to refine credit policies for asset-backed lending and oversee collateral governance, including valuation, insurance, asset tracking and recovery
• Drive early warning indicators, stress monitoring and corrective action frameworks
• Strengthen controls across origination, underwriting, documentation and servicing, and promote standardisation, automation and auditability of workflows
• Ensure data quality, reporting accuracy and traceability for internal and regulatory needs
• Maintain compliance with regulations, internal policies and audit standards, lead product governance forums and support internal audits and regulatory reviews
• Coordinate with Credit, Risk, Operations, Legal, Compliance and Technology teams

Required profile

• Bachelor's degree in Finance, Business or a related field; MBA preferred
• 8-12 years of experience in equipment/vehicle financing, asset finance, leasing or structured lending, with a focus on product governance and risk management in SME/Mid-Corp segments
• Location: DBS Asia Central; schedule regular, full-time

Required skills

• Strong understanding of asset-based financing structures (equipment and vehicle financing)
• Familiarity with collateral management, asset valuation and recovery processes
• Experience defining product policies, controls and audit/compliance frameworks
• Working knowledge of regulatory requirements and risk management in asset finance