Job Description

Business Function:

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.

Job Purpose:

This position will be instrumental in executing and refining the acquisition strategies for DBS Credit cards and unsecured personal loans business in Singapore, leveraging data-driven insights and innovative approaches to achieve significant market share growth and enhance customer lifetime value. You will be responsible for leading key initiatives, optimizing acquisition economics, own early card lifecycle monetization.

Responsibilities:

• Acquisition strategy: Contribute to the definition and implementation of the end to end acquisition strategy for DBS’s suite of cards and unsecured loan products.
• Optimize acquisition economics and maintaining portfolio quality: Champion and own cross-sell initiatives across MOB 1–12, profitability by MOB by product, aligning early lifecycle monetization with acquisition strategies.
• Full Funnel Performance Optimization: Costs/CPA by channel/product, Segmentation and targeting modeling, Customer Value Recovery and salvage management.
• Track product profitability and competitor moves: Recommend adjustments to pricing, benefits, or positioning.
• Optimize Credit Approval: Work with Credit Management to optimise credit approval and rules with the view of improving approval rates and credit test programs.
• Customer Journey Mapping: Analyzing and optimizing the customer experience from application entry points to approval and post-application status checks.
• Understanding Application Channels: Familiarity with various application methods, including digibank, PWeb, and even chatbots for certain applications.

• Risk Management and Regulation: Clear understanding of risk management and regulations, ensure application journeys comply with applicable regulations and internal policies.

   

Requirements:

• Degree holder with at least 5 years of relevant working experience

• A customer lifecycle mindset, ensuring the right card or loan is matched to the right customer segment for long-term value

• Strong grasp of Singapore’s retail financial services landscape and MAS regulations.

• Deep experience in digital acquisition platforms and data-led growth strategies.

• Experience in driving customer onboarding projects as business owner, digitisation, or a similar role in the banking or financial services sector.

• Knowledge of unsecured or payment products and regulatory requirements.

• Good analytical and communication skills with ability to manage stakeholders and partnerships
   

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We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Job Requirements