VP, Loans Product Management – Equipment & Vehicle Financing (Mid Cap & SME), Institutional Banking Group

About the Role

We are seeking an experienced Loan Product specialist to oversee the governance, design, and lifecycle management of Equipment and Vehicle Financing products for Mid-Cap and SME clients. The role emphasizes robust product frameworks, risk discipline, and regulatory compliance across structured asset-based lending, ensuring sound portfolio performance and operational integrity.

Key Responsibilities

Product Governance & Frameworks

- Lead the design, standardization, and ongoing review of equipment/vehicle financing products (including Hire Purchase, Block Discounting, and Floor Stock financing).
- Establish and maintain product programs, policy documents, and control frameworks across the product lifecycle.
- Define and periodically review pricing methodologies, underwriting standards, and product parameters in alignment with risk appetite.
- Ensure alignment of product features with internal risk policies and regulatory expectations.

Portfolio Oversight & Risk Discipline

- Monitor portfolio health metrics including asset quality, utilization, delinquencies, and residual value exposure.
- Partner with Risk functions to refine and enforce credit policies specific to asset-backed lending.
- Oversee collateral governance, including valuation standards, insurance requirements, asset tracking, and recovery protocols.
- Drive early warning indicators, stress monitoring, and corrective action frameworks.

Process, Controls & Systems

- Strengthen end-to-end control points across origination, underwriting, documentation, and servicing.
- Drive standardization, automation, and auditability of workflows, ensuring strong process governance.
- Oversee system capabilities supporting asset tracking, documentation integrity, and lifecycle monitoring.
- Ensure data quality, reporting accuracy, and traceability for internal and regulatory requirements.

Governance, Compliance & Assurance

- Maintain full compliance with regulatory requirements, internal policies, and audit standards.
- Lead product governance forums, approvals, and change management processes.
- Ensure completeness and accuracy of product documentation, including program guidelines and operating procedures.
- Support internal audits, regulatory reviews, and remediation actions where required.

Stakeholder Coordination

- Collaborate with Credit, Risk, Operations, Legal, Compliance, and Technology teams to ensure consistent application of product standards.
- Act as the central point for product-related governance, issue resolution, and policy interpretation.

Key Qualifications & Experience

- Bachelor’s degree in Finance, Business, or related field; MBA preferred.
- 8–12 years of experience in equipment/vehicle financing, asset finance, leasing, or structured lending, with a strong focus on product governance and risk management within SME/Mid-Corp segments.
- Strong understanding of asset-based financing structures (Equipment & vehicle Financing).
- Familiarity with collateral management, asset valuation, and recovery processes.
- Experience in defining product policies, controls, and audit/compliance frameworks.
- Working knowledge of regulatory requirements and risk management practices in asset finance.

Location:
DBS Asia Central

Job:
Product Management

Schedule:
Regular

Employee Status:
Full time