Associate - Recovery Specialist, Risk Management Group

About the role

The Risk Management Group manages the bank's risk exposure by balancing the objective of maximising returns against an acceptable risk profile, working with origination teams on financing, investments and hedging opportunities. This Associate Recovery Specialist role aims to maximise recovery of past-due accounts through effective, customer-focused collection strategies while fully complying with regulatory and internal requirements. The position is based at the DBS Asia Hub, is full-time and operates on a regular schedule.

Key responsibilities

• Manage written-off portfolios and achieve individual and team recovery targets
• Proactively engage customers to negotiate sustainable repayment arrangements and review customer profiles to recommend remedial actions
• Deliver professional, high-quality service, promptly address complaints, queries and disputes, and handle difficult cases with tact and sound judgment
• Identify and escalate emerging risks, irregularities or issues, and ensure adherence to group policies, internal controls, regulations and local laws
• Prepare reminder letters, statements of account, settlement letters and other documentation, and process account closures, payment transfers and refunds accurately and on time
• Use digital tools and analytics to improve recovery performance and support data-driven decisions
• Support continuous improvement through Agile methodology, digital innovation, automation and process optimisation, and collaborate with team members to meet targets

Required profile

• Degree or diploma in any related discipline
• Minimum 3 years of experience in credit collection or recovery within banking or financial services
• Experience in unsecured litigation is an added advantage
• Strong communication and negotiation skills, able to handle challenging conversations independently
• Good analytical, problem-solving and decision-making abilities
• Team player with professionalism and integrity, able to work effectively with stakeholders