SVP, Team Lead, Business Planning for Payments & Unsecured Lending, Consumer Banking Singapore

Role Purpose The Head of Business Planning for Payments & Unsecured Lending leads strategy articulation, financial planning, performance management, and business governance for DBS Singapore's Payments (Cards, PayLah!, Digital Payments, Merchant Acquiring, Remit) and Unsecured Lending (Credit Cards, Personal Loans, BNPL‑type offerings) portfolios. The role partners senior stakeholders across Product, Risk, Finance, Technology, Operations, Analytics, and Distribution to drive sustainable growth, superior customer outcomes, strong risk discipline, and regulatory compliance , in line with DBS's aspiration to be the Best Bank for a Better World . Key Responsibilities Strategic Planning & Business Direction Lead annual planning, rolling forecasts, and multi‑year strategy for Payments and Unsecured Lending businesses in Singapore Translate DBS Group and CBG strategy into clear business priorities, financial targets, and execution roadmaps Support strategic initiatives including: Card and payment ecosystem growth Customer engagement and usage‑led monetisation Digital payments and PayLah! ecosystem expansion Sustainable and responsible lending strategies Conduct ongoing market, competitor, and regulatory landscape assessments Financial & Performance Management Own P&L planning, budgeting, forecasting, and cost discipline across Payments and Unsecured Lending Track and manage key financial drivers: Fee and interchange income Interest income and net interest margin Credit cost, delinquency, and portfolio quality Rewards, marketing, and operating expenses Lead monthly and quarterly performance reviews , highlighting insights, risks, and recommended actions Support business cases and ROI assessment for investment and transformation initiatives Business Insights & Analytics Establish a robust management information and insights framework Translate data into actionable insights across: Customer acquisition, activation, and usage Spend, payment behaviour, and merchant penetration Credit limits, utilisation, and loss drivers Lifetime value and segment profitability Partner Analytics and Data teams to strengthen data‑led decision‑making Risk, Governance & Regulatory Alignment Partner closely with Credit Risk, Compliance, Legal, and Finance to ensure: Strong credit discipline and portfolio health Compliance with MAS regulations (e.g. unsecured credit framework, fair dealing, responsible lending) Robust product and pricing governance Prepare materials for Senior Management, Product Approval Committees, and regulatory discussions Ensure planning processes meet DBS standards for auditability, transparency, and control Execution & Transformation Enablement Drive strong execution cadence across initiatives and remediation actions Support DBS's digital and operational transformation priorities, including: Process automation and simplification Digital onboarding and servicing Cost productivity and scalability Act as a connective role to remove execution bottlenecks across functions People & Culture Lead and develop a high‑performing business planning and insights team Embed DBS values of PRIDE! (Purpose‑driven, Relationship‑led, Innovative, Decisive, Everything Fun!) Foster a culture of ownership, collaboration, and data‑driven accountability Key Stakeholders Internal : CBG Payments & Unsecured Lending leadership, Risk Management Group, Finance, Technology, Operations, Analytics, Marketing, Distribution External (as required): Industry partners, vendors, regulators Required Skills & Experience Experience 15+ years of experience in banking, payments, or consumer finance Strong background in business planning, strategy, finance, or portfolio management Proven exposure to Payments and/or Unsecured Lending businesses Experience operating in a Singapore consumer banking and MAS regulatory environment Skills & Competencies Strong commercial and financial acumen Deep understanding of consumer payments and unsecured lending economics Excellent stakeholder management and influencing skills Strong analytical, problem‑solving, and storytelling capabilities Ability to balance growth, customer outcomes, risk, and governance Education Bachelor's degree in Business, Finance, Economics, or related discipline MBA or professional qualification (CFA, CPA) preferred Reporting Line & Seniority Senior leadership role within DBS CBG Singapore Reports to SG Head of Payments and Unsecured Lending Location: DBS Asia Central Job: COO Office/Business Mgt & Support Schedule: Regular Employee Status: Full time Requirements: 15+ years of experience in banking, payments, or consumer finance Strong background in business planning, strategy, finance, or portfolio management Proven exposure to Payments and/or Unsecured Lending businesses Experience operating in a Singapore consumer banking and MAS regulatory environment Skills & Competencies Strong commercial and financial acumen Deep understanding of consumer payments and unsecured lending economics Excellent stakeholder management and influencing skills Strong analytical, problem‑solving, and storytelling capabilities Ability to balance growth, customer outcomes, risk, and governance Bachelor's degree in Business, Finance, Economics, or related discipline MBA or professional qualification (CFA, CPA) preferred Reporting Line & Seniority Senior leadership role within DBS CBG Singapore Reports to SG Head of Payments and Unsecured Lending