About this role

Description

Analyst/ Associate - Recovery 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.

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 Hub

Job:

Operations

Schedule:

Regular

Employee Status:

Full time

Why join us?

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.

About Us

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.

Analyst/ Associate - Recovery Specialist