AVP, Digital Credit Model Specialist, Risk Management Group AVP, Digital Credit Model Specialist, Risk  …

DBS Bank Limited
in Singapore
Permanent, Full time
Be the first to apply
Competitive
DBS Bank Limited
in Singapore
Permanent, Full time
Be the first to apply
Competitive
AVP, Digital Credit Model Specialist, Risk Management Group
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.

The Digital Models team is a regional centre of excellence responsible for developing credit risk models supporting both underwriting and monitoring of consumers and small medium enterprises across core markets in which DBS operates (ie. Singapore, Hong Kong, China, Taiwan, India, Indonesia). This role involves leveraging traditional and alternative datasets across ecosystem partners/vendors as well as internally available to develop partner and partner-agnostic credit models, the use of AI/ML modeling techniques in the development process, and close engagement with internal stakeholders (e.g. business, credit, tech functions) and external partners
Responsibilities
•Develop credit models (e.g. decisioning scorecards, income estimation models, early warning models) supporting consumer and small medium enterprise business units across DBS core markets
•Work with traditional and alternative datasets and employ various modelling techniques (including AI/ML) to develop partner and partner-agnostic credit models
•Work with data science teams from ecosystem partners to enable joint development of credit models to enable acquisition of and lending to new customers on partner platforms
•Work with business and credit teams on usage of credit models and determination of cut-offs in lending strategies
•Work with tech teams to implement credit models in digital lending platforms and workflow, e.g. drafting user requirements, conducting UAT / live verification before rollout
•Set up monitoring approaches and templates to ensure newly developed credit models remain predictive and continually enhanced
•Participate in strategic initiatives within the team, e.g. exploration of third party datasets, enhancing analytics platforms and workflows

Requirements
•Hands-on credit model development experience with applications of various modeling techniques, e.g. logistic regression, random forest, XGBoost etc
•Excellent Python and/or R programming skills
•Knowledge of credit and business products in consumer and small medium enterprises customer segments
•Experience engaging ecosystem partners and working with alternative datasets in developing credit models
•Familiarity using advanced tools (e.g. AutoML, MLOps) to perform analytics-related tasks across the model life cycle (from data exploration, features engineering, model training, deployment and ongoing monitoring)
•Fintech lending and/or lending institution background

Apply Now
We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.
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