Job Description
Specialist credit approval consumer banking-(WD38334)
CBG
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.
Job Purpose (In a brief, specific one or two-sentence statement, answer the questions: "Why does this position exist?" and "What is it expected to accomplish?")
• To give effective credit support for meeting the business targets.
• To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India.
• To approve credit applications as per DOA judiciously.
• Ensuring that quality of Bank's exposure in India is acceptable at all time.
• Provide guidance to the team of relationship managers on areas of policy and processes.
Key Accountabilities: (List the expected end results or KPIs that the incumbent is expected to achieve for this job. Do not list more than 5)
• To roll-out the credit lending framework including policies, processes, controls, etc for launching the mortgages business in India.
• To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks.
• To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner.
• To have a sound knowledge of the Indian market especially Micro SME customer segment in terms of risks associated with this product.
• To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
• To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.
Job Duties and Responsibilities: (List the principal duties of the incumbent. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)
• Set up policy / processes for mortgages pan India.
• Approve Mortgage applications for his respective branch / location / region.
• Portfolio monitoring / tracking & escalation of adverse new events in the portfolio.
• Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines.
• Ensure compliance with the benchmark Turnaround Time.
• Ensure proper guidance / support to the team of relationship managers.
• Ensure processing of files within agreed timelines
Experience (Indicate nature and extent of work experience including number of years required, if applicable.)
Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers).
Education/Preferred Qualifications (List the minimum and preferred qualifications required to perform all essential functions, including field of study)
Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market.
Core Competencies (State the qualities, skills, behaviours and attitudes that the incumbent must possess in order to perform the responsibilities of this position.)
• Good analytical skills
• Good presentation skills
• Good interpersonal skills
• Good knowledge of the industry
Technical Competencies (List the technical knowledge and skills required for this position.)
• Sound knowledge of policies / lending frameworks followed for this product.
• Good knowledge of credit evaluation methods, tools & techniques
• Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
• Knowledge of various banking products and risks associated with them
• Adequate local knowledge of properties for cities in which he operates
Work Relationship (State the essential working relationships with superiors, peers and subordinates as well as external parties which will contribute directly to the successful accomplishment of this job.)
Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators and other external agencies
CBG
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.
Job Purpose (In a brief, specific one or two-sentence statement, answer the questions: "Why does this position exist?" and "What is it expected to accomplish?")
• To give effective credit support for meeting the business targets.
• To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India.
• To approve credit applications as per DOA judiciously.
• Ensuring that quality of Bank's exposure in India is acceptable at all time.
• Provide guidance to the team of relationship managers on areas of policy and processes.
Key Accountabilities: (List the expected end results or KPIs that the incumbent is expected to achieve for this job. Do not list more than 5)
• To roll-out the credit lending framework including policies, processes, controls, etc for launching the mortgages business in India.
• To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks.
• To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner.
• To have a sound knowledge of the Indian market especially Micro SME customer segment in terms of risks associated with this product.
• To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
• To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.
Job Duties and Responsibilities: (List the principal duties of the incumbent. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)
• Set up policy / processes for mortgages pan India.
• Approve Mortgage applications for his respective branch / location / region.
• Portfolio monitoring / tracking & escalation of adverse new events in the portfolio.
• Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines.
• Ensure compliance with the benchmark Turnaround Time.
• Ensure proper guidance / support to the team of relationship managers.
• Ensure processing of files within agreed timelines
Experience (Indicate nature and extent of work experience including number of years required, if applicable.)
Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers).
Education/Preferred Qualifications (List the minimum and preferred qualifications required to perform all essential functions, including field of study)
Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market.
Core Competencies (State the qualities, skills, behaviours and attitudes that the incumbent must possess in order to perform the responsibilities of this position.)
• Good analytical skills
• Good presentation skills
• Good interpersonal skills
• Good knowledge of the industry
Technical Competencies (List the technical knowledge and skills required for this position.)
• Sound knowledge of policies / lending frameworks followed for this product.
• Good knowledge of credit evaluation methods, tools & techniques
• Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
• Knowledge of various banking products and risks associated with them
• Adequate local knowledge of properties for cities in which he operates
Work Relationship (State the essential working relationships with superiors, peers and subordinates as well as external parties which will contribute directly to the successful accomplishment of this job.)
Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators and other external agencies
💡 Quick Summary
Seeking a career-building opportunity? The Specialist credit approval consumer banking position is now open for candidates interested in the Bank Jobs sector. This role in Hyderabad offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
