Credit Approval Lead

1 week ago


Singapore DCS CARD CENTRE PTE. LTD. Full time

**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.**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



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