Analyst, Early Warning and Special Asset Management, Risk Management Group

Business Function Risk Management Group (RMG) is responsible for the development and maintenance of risk management and internal control frameworks. we provide independent review and challenge to business to ensure that appropriate balance is considered in risk/return decision. in additional, RMG is responsible for the monitoring and reporting on key risk issues of the Bank. To manage risk effectively and deliver strong financial performance, we invest significantly in our people and infrastructure.

The Early Intervention & Work Out Analyst, operating within the Wholesale Lending in Commercial Banking sector, plays a critical role in identifying, monitoring, and mitigating credit risks. This position is responsible for proactively addressing potential high-risk credits, executing recovery strategies for Non-Performing Loan (NPL) accounts, and ensuring compliance with regulatory reporting requirements. The analyst will collaborate closely with Credit Underwriters (CRM) and Relationship Managers (RM) to minimize NPLs and contribute to the continuous improvement of Early Intervention (EI) and Remedial Management (RM) policies and processes.

Key Responsibilities

• Identify and follow up on any credit with possible high-risk traits in collaboration with Credit Underwriter (CRM) and Relationship Manager (RM).
• Implement account workout strategies to minimize Non-Performing Loans (NPL).
• Prepare and execute comprehensive recovery strategies and actions for NPL accounts.
• Prepare monthly regulatory reports accurately and on time.
• Manage stakeholders within the bank, specifically Credit Underwriters (CRM) and Relationship Managers (RM), to ensure coordinated efforts.
• Actively involve in the improvement and refinement of Early Intervention (EI) & Work out (WO) policies.
• Participate in the continuous enhancement of EI & WO management processes.

Required Qualifications

• Minimum Bachelor's degree; a background in analytics is an advantage.
• Strong interpersonal and negotiation skills.
• Proficiency with numbers and process-oriented tasks.
• Exposure to local lending regulations.
• Expsoure to Indonesia Legal Framework on bankruptcy.
• Familiarity with reserve management policy as per Singapore (SG) and local regulations.
• Understanding of the Credit Risk Management cycle.
• Industry knowledge in Wholesale Lending in Commercial Banking is a significant plus.
• Collaborative working culture.
• High-paced environment with the ability to handle pressure effectively.
• Proactive and independent work approach.

Location & Details

Location: Capital Place Branch Job: Analytics Schedule: Regular Employee Status: Full time

DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.