Senior Associate, Specialist, Priority Sector Lending (Product & Policy)

Business Function:

DBS Group Research comprises of the Economics/Strategy, Equity and Credit research teams. Our Economics team consists of Economists covering currencies, interest rates, and economies of China/Hong Kong, Taiwan, Japan, Korea, India, ASEAN, Eurozone and US.  Our Equity research has a network of analysts covering the Singapore, Malaysia, Hong Kong, China, Indonesia, Thailand and Korea stock markets.  One distinctive feature is our unrivalled access to a broad range of companies around the region. In Asia, we employ in excess of 60 analysts covering more than 600 stocks. Combining active bottom-up research with sectoral and macro/thematic analysis (in conjunction with Economics and Markets Research), the team has been able to consistently identify moneymaking investment and trading ideas that outperform the rest

Job Purpose

• Carry out the assessment of Originator / Servicer to meet the bank’s TMRAC to undertake DA/ CLM transactions.
• Understanding originator business, portfolio and data gathering for RFD process.
• To access & undertake DA transactions as a lead role. 
• Undertaking assessment on Originator’s portfolio cuts data to arrive at a pool selection parameters to carry out DA transactions.
• Undertaking pool assessment which is cheery picked from the originator’s submitted pool.
• Liaising with rating agency/trustee/originators for data requirements for undertaking assessment on shortlisted pool.
• Monitoring the monthly payout report as submitted by the originator/ trustee.
• Carrying out pool due diligence pre transaction execution.
• Close monitoring of the DA /CLM portfolio & highlight any early warning signs to all stakeholders.
• Manage the existing portfolio of all clients for the designated relationship teams

Key Accountabilities

• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Originator/trustee/rating agencies to ensure that PSL deliverables (specific to Securitisation sector business) are met.
• Need-based meeting with Originators/rating agencies/trustee to understand business and attendant risks.
• To monitor DA/ CLM portfolio for irregularities/ excesses/ breaches/ delays.
• Ensure support for external & internal audits.
• Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
• Monitor and ensure adherence to risk service standards
• Identify growth opportunities, new segments and product expansion initiatives and formulation product policies and processes for PSL products. (including upgrading existing products).

Job Duties & Responsibilities

• Preparing originator’s financial spreads which are consistent, error-free and in line with classification parameters used in DBS.
• Providing concise and relevant financial analysis by clearly identifying risks.
• Ensure supervision reviews are completed prior to due date and are error free.
• Interact and follow up with originators on required information and clarifications.
• Adhere to the risk management guidelines of DBS, MAS and RBI.
• Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of Securitization industry.
• Act as a Central Anchor between internal stakeholders to ensure sustainable growth and regulatory alignment

Required Experience

• Overall 5 years of experience in portfolio buyouts, monitoring, execution including credit risk analysis, documentation.
• Fair knowledge of PSL guidelines is essential.
• Thorough knowledge of Securitisation ecosystem. Key players, intermediators, Legal issues & regulations

Education / Qualification

An MBA or CA with relevant number of years of experience in banking and specifically in Securitisation space.

Core Competencies

• Good written and verbal communication skills
• Good Analytical skills.
• Self-driven and highly ambitious
• Results-orientated & the ability to handle pressure
• Relationship building & management skills
• Understanding of competitor products

Comfortable with tight deadlines

Technical Competencies

• Thorough understanding of Securitisation ecosystems, regulations & market practices
• Sound understanding of asset products and associated technology platforms and operational procedures
• Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.

Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with originators

DBS India - Culture & Behaviors

• Drive Performance Through Value Based Propositions
• Ensure Customer Focus by Delighting Customers & Reduce Complaints
• Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
• Enhance Knowledge Base, Build Skill Sets & Develop Competencies
• Invest in Team Building & Motivation through Ideation & Innovation
• Execute at Speed While Maintaining Error Free Operations
• Develop a Passion for Performance to Grow Talent Pool
• Maintain the Highest Standards of Honesty and Integrity

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