Manage written-off portfolios to maximise recoveries through customer-focused engagement, negotiate repayment arrangements, handle complaints and difficult cases, ensure compliance with policies and regulations, execute operational account tasks, and leverage digital tools and analytics to improve recovery performance and processes.
Description
Business Function
Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.
Job Objective
To maximise recovery of past‑due accounts through effective, customer‑focused collection strategies while ensuring full compliance with regulatory and internal requirements.
Key Responsibilities
Portfolio & Recovery Management
- Manage written‑off portfolios and achieve individual and team recovery targets.
- Proactively engage customers to negotiate sustainable repayment arrangements that optimise recovery outcomes.
- Review customer profiles and recommend suitable remedial actions.
Customer Engagement & Service Excellence
- Deliver professional, high‑quality service throughout the recovery process to uphold customer satisfaction.
- Promptly address customer complaints, queries and disputes within required turnaround
- Handle difficult cases with tact, resilience, and sound judgment.
Risk, Governance & Compliance
- Identify and escalate emerging risks, irregularities, or issues in a timely manner.
- Ensure strict adherence to Group policies, internal controls, regulatory obligations, and local laws
Operational & Administrative Responsibilities
- Execute operational tasks such as preparation of reminder letters, statements of account, settlement letters, and other documentation.
- Process account transactions including closures, payment transfers, and refunds with accuracy and timeliness
Digitalisation, Analytics & Continuous Improvement
- Leverage digital tools and analytics to enhance recovery performance and support data‑driven decisions.
- Support and champion continuous improvement initiatives through Agile methodology, digital innovation, automation and process optimisation.
- Collaborate closely with team members to achieve team targets and contribute to a high-performance culture.
Requirements
- Degree or Diploma in any related discipline.
- Minimum 3 years of experience in credit collection or recovery within banking or financial services industry.
- Experience is unsecured litigation is an added advantage
- Strong communication and negotiation skills, with the ability to handle challenging conversations independently.
- Good analytical, problem-solving, and decision-making abilities.
- Strong team player with professionalism, integrity, and ability to work effectively with stakeholders.
Location:
DBS Asia HubJob:
OperationsSchedule:
RegularEmployee Status:
Full timeDBS Bank Ltd Singapore Office
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