Credit Approval Lead (Retail Banking/Fintech)

About the Company

Founded in 1973, DCS Card Centre (formerly Diners Club Singapore) is a financial institution licensed to issue credit and charge cards, governed by the Monetary Authority of Singapore (MAS) under the Banking Act.

We deliver digital-first, customer-centric payment products and solutions for consumers, merchants and corporates. Leveraging on our deep heritage, we aspire to be an innovative fintech leader driving integrated payment and financial services.

For more information: https://dcscc.com/about-us

Responsibilities:

• Responsible for developing, implementing, and maintaining underwriting standards and credit policies for all lending products including consumer cards, SME cash advance and unsecured and secured lines of credit
• Define and maintain a credit approval process to ensure acceptable lending authorities
• Oversees portfolio management to recommend and implement changes to credit policies
• Works closely with compliance to ensure all aspects of lending are compliant with regulations, and Company Policies.
• Works collaboratively across the Company, specifically with leaders, to support the Company's vision, credit goals and a team environment.
• Manages a team of delegated approvers, credit analysts and portfolio managers to implement the credit management process
• Reviews and approves large and complex loans prior to submission to loan committee
• Identifies potential problem credits, coupled with appropriate intervention, to minimize losses.
• Manages the budget for areas of responsibility and works to identify and solve potential challenges and opportunities.

Requirements:

• Bachelor’s degree/University degree or equivalent experience
• 10+ years of experience in banking/financial institutions, with several years in credit risk related roles; ideally in a Head of Credit capacity
• Strong knowledge of lending markets and products, especially in SME lending and credit card business.
• Strong interpersonal skills, with ability to establish rapport with senior executives, team members, internal and external stakeholders
• Excellent oral and written communication skill