VP Unsecured Loans Product and Pricing Team Lead

Job Duties and Responsibilities:

• Lead product strategy and lifecycle management for the unsecured loans portfolio, from ideation to post‑launch optimization, aligned with business goals and market trends.
• Define and deliver strong Customer Value Propositions (CVPs) through market research, competitive analysis, and clear product positioning across target segments.
• Own pricing and profitability strategy, including dynamic and risk‑based pricing, to drive revenue growth while managing portfolio risk.
• Optimize fee structures and revenue collection, including fee approvals and collaboration with collections to manage delinquencies and defaults.
• Drive digitization and innovation across the unsecured loans value chain, including digital onboarding, AI/ML risk tools, and operational automation.
• Ensure strong risk management and regulatory compliance, working closely with Risk and adhering to MAS and banking regulations.
• Provide senior leadership and stakeholder management, requiring deep unsecured lending expertise, strong analytics, and the ability to lead high‑performing teams.
• To work with other Team Leads and Stakeholders to improve product proposition, offering, features enhancement, profitability and growth, and market competitiveness.

 

Qualifications & Experience:

• Minimum of 10 years of experience in product management within the financial services industry, with a significant focus on unsecured lending products (Personal Loans, Cashline, Balance Transfer, Debt Consolidation).
• Proven track record in developing and executing successful product strategies and pricing models.
• Strong understanding of risk-based pricing methodologies and credit risk management principles.
• Experience with digital product development and customer journey optimization.
• Demonstrated ability to leverage data analytics and AI/ML for product innovation and performance enhancement.
• Excellent communication, interpersonal, and stakeholder management skills.
• Ability to work in a fast-paced, agile environment and lead cross-functional teams.
• Bachelor’s degree in Business, Finance, Economics, or a related field. Master's degree preferred.

Location:

DBS Asia Central

Job:

Product Management

Schedule:

Regular

Employee Status:

Full time