DBS Bank India | Associate, Credit Risk Manager, Risk Management Group

Responsibilities

• The Policy Manager for Prime Loan Against Property (PLAP) is responsible for designing, formulating, and lifecycle-managing the credit policies, risk acceptance criteria (RAC), and underwriting guidelines for secured asset portfolios (specifically Loan Against Property / PLAP) within Consumer Banking Group (CBG) Credit.
• The role ensures that the portfolio growth aligns with the bank's approved Risk Appetite Framework while balancing aggressive business expansion goals with prudent credit risk controls, regulatory compliance (RBI guidelines), and fraud mitigation.
• Policy Formulation and Framework Design.
• Standardization: Ensure clear alignment of PLAP policies with overarching Group Core Credit Policies, Risk Appetite Statements (RAS), and local regulatory mandates (e.g., RBI Master Directions).
• Portfolio Monitoring, Analytics & Quality Assurance.
• Trigger Management: Implement and monitor Management Action Triggers (MAT) and portfolio caps for PLAP and broader secured lending portfolios.
• Audit & Compliance Support: Partner with Quality Assurance (QA) and Credit Fraud Risk Management (CFRM) teams to review control parameters, address policy/process vulnerabilities, and ensure audit readiness.
• Cross-Functional Collaboration & Product Expansion.
• Process Alignment: Work closely with Credit Operations (CBO) and underwriting teams to ensure seamless policy translation into system rules (e.g., One Risk Workbench/ORWB, IBPM workflows) and operational execution manuals.
• Exception & Escalation Governance: Review and decide on complex policy exception frameworks, setting clear delegation of authority (DoA) matrices for credit managers.
• Build pride and passion to protect, maintain and enhance DBS’ image and reputation
• Execute at speed while maintaining error free operations
• Maintain the highest standards of honesty and integrity

Requirements

• Bachelor’s/Master’s degree in Finance, Economics, Business Administration, Statistics, or a related quantitative field.
• Professional risk certifications (e.g., FRM, CFA) are an added advantage.
• Knowledge: Strong understanding of secured lending products, property valuation methodologies, legal title checks, CERSAI regulations, and RBI guidelines governing commercial and retail banks in India.
• Stakeholder Management: Excellent communication and collaboration skills with the ability to influence senior business leaders, risk committees, and operational teams.
• Governance Mindset: Demonstrated ability to balance business growth objectives with robust risk controls and rigorous compliance standards.
• Enhance knowledge base, build skill sets & develop competencies.
• Graduate / Post Graduate in relevant field.

DBS Bank India

DBS Bank India Limited is the Indian arm of DBS Group of Singapore, one of Asia's largest banks. DBS opened its first Indian office in Mumbai in 1994 and was among the first large foreign banks to operate in India as a wholly owned, locally incorporated subsidiary. After the amalgamation of Lakshmi Vilas Bank in November 2020, it serves customers through branches in around 19 states.

For finance professionals, DBS hires across consumer banking, institutional banking, treasury and markets, finance and controllership, risk, internal audit and compliance. CA, CFA and MBA (Finance) profiles suit its credit analysis, relationship management, regulatory reporting and audit roles.

• Industry: Banking
• Headquarters: Mumbai, India (parent: DBS Group, Singapore)
• In India: Branches across around 19 states, with large technology and operations hubs in Hyderabad and Chennai