Job Purpose
Part of the team managing the Risk Management Central Office to provide effective control environment, Governance and Risk strategy support to the Risk function
Key Accountabilities
Delivering effective Stress testing and Portfolio Monitoring function.
Strengthening Portfolio Management function and ensuring quality submission of portfolio insights and metrics.
Effectively managing Risk Committee meetings
Ensuring regulatory compliance through timely updates to Credit risk policies and implementation of required process changes
Job Duties, responsibilities and Requirements
Conduct Stress tests and thematic portfolio reviews in consultation with group CPRAM and the Credit Underwriting teams.
Enable effective Portfolio Management through tracking of key metrics and supporting Risk Governance through preparation of Portfolio presentations and other submissions to risk management committees such as Credit Risk Committee, GCRC, BRMC, Group Risk Exco, etc.
Manage Risk committees by ensuring risk issues are effectively brought out in the agenda decks and key takeaways/ minutes are recorded, disseminated and follow-up action is effectively tracked.
Ensure compliance with Credit Risk related regulatory requirements through Credit Policy, timely submission of ICAAP (Pillar 2 assessment and Stress test), Tranche II & III submission and LFAR.
Draft and ensure regular review of Credit policies in line with RBI regulation.
Oversee all aspects of operational risk management for Credit Risk as UORM.
Support ongoing projects/strategic initiatives and take up other RMG COO activities based on requirements that may arise from time to time.
Experience
14-15 years of adequate knowledge of various banking products and local regulatory requirements. Ability to understand diverse requirements, adapt and implement solutions
Education / Preferred Qualifications
Professional qualification or CA, Post graduate degree, preferably in business, accountancy, economics, finance etc.
Core Competencies
The job holder needs to possess the following skills:
Ability to multitask and collaborate with key stake holders.
Ability to assess complex requirements and find solutions to address the same.
High Adaptability and learning skills.
Good interpersonal skills.
Good analytical and presentation skills
Technical Competencies
Good knowledge about Credit risk management techniques.
Good understanding of regulatory guidelines on credit issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general.
Knowledge of various banking products and risks associated with them
Location:
MumbaiJob:
Risk ManagementSchedule:
RegularEmployee Status:
Full timeSkills Required
- 14-15 years' experience in banking and local regulatory requirements
- Experience conducting stress tests and thematic portfolio reviews
- Experience in portfolio monitoring, metrics tracking and preparing portfolio presentations for risk committees
- Experience managing risk committee meetings, recording minutes and tracking follow-up actions
- Knowledge of credit risk management techniques
- Good understanding of RBI credit regulatory guidelines and relevant local laws
- Knowledge of various banking products and associated risks
- Operational risk management experience (UORM) for Credit Risk
- Professional qualification or CA, postgraduate degree (business, accountancy, economics, finance) - preferred
- Strong analytical and presentation skills
- Good interpersonal skills, ability to multitask and collaborate with stakeholders
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What We Do
DBS Bank is a leading financial services group in Asia, headquartered in Singapore. It provides a full range of consumer, SME, and corporate banking services. The bank is recognized for its digital innovation, having been named 'World's Best Digital Bank' and 'World's Best Bank' by various publications. It also operates the DBS Foundation, which supports social enterprises and community initiatives, reflecting its commitment to creating impact beyond traditional banking.
