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