Business Function Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank's operational processes and inspire to delight our business partners through our multiple banking delivery channels. Job Purpose The role is towards processing of home loans in central operations domain and would include file processing for credit approval, Pre-disbursal, Post-disbursal and Post sales support. Key Accountabilities Retail Home loan product knowledge (home saver product in particular) Home Loan processing from approval to post sales support Domain expertise on core-processing of Mortgages Liaison with verification, legal and valuation team Liaison with all internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations Requirement Job Duties & responsibilities Ensure the procedures / SOPs / Manuals are created & maintained in line with the NPA, RAC – Credit Policy and other internal / external guidelines Ensure all BOD and EOD responsibilities are adhered to in line with the checklists Ensure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed process Identify any process risks and proactively bring them to the notice of the line manager Work with the line manager in creating / implementing the risk mitigation actions for the operation supported Perform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholders Work with all stakeholders in ensuring a positive customer experience in the processing Ensure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasons Proactively support the colleagues in coaching / mentoring on the process / product as appropriate (and whenever assigned by the line manager) Ensure compliance with all internal & external policy & audit requirements (including but not limited to Legal / Compliance / Operational, etc) Maintain all registers & files as required by the Operations unit (Example: FRFC Key Register, Document Control register, In & Outward register, etc) Verifications are initiated and tracked for receipt (Customer & Collateral). Disbursal checks are ensured in line with the manuals / Policy / SOPs and funds are disbursed Tracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on time Archive the files as per the process All post disbursal and service related requests are handled in line with the procedures Possess good knowledge of ROI, PF, Office Accounts, DIR & LTV (exposure) CIBIL report generation & CERSAI handling (enquiry, register the entry & remove the entry) Communication to the customer (dispatch of letters) Contribute for the process enhancements and cost saves while improving / without negatively impacting the customer experience High governance standards Required Experience Atleast 5-7 years in Retail Home Loan processing Basic banking experience is an added advantage Education / Preferred Qualifications Graduation from any recognised university Core Competencies Expertise in Home Loan Processing Good communication skills Technical Competencies Retail Home Loan Processing Retail Home Loan system enhancements Retail Home loan post sales support Work Relationship Team Player Commitment and Integrity Location: Technology Centre Job: Operations Schedule: Contract (Fixed Term) 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.

Fixed Term Appointment, Asset Operations, Consumer Banking group Operations, Technology and Opeations.

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