Job Purpose : "Why does this position exist?" and "What is it expected to accomplish?")
This role will be responsible for building highly reliable, compliant, and scalable onboarding capabilities that power retail acquisition journeys across channels (mobile, web, branch, partners). The person will work at the intersection of business, technology, compliance, and operations, driving platform modernization, regulatory readiness, and superior customer experience while enabling rapid product innovation.
Key Accountabilities (List the expected end results or KPIs that the job holder is expected to achieve for this job. Do not list more than 5)
- Enabling technical initiatives in the consumer banking space for Retail Onboarding related functionalities
- Enablement of existing business, enhancement of customer experience with proper control on fraud and risks.
- Complete responsibility for driving the entire cycle of development and management of Risk platform, Customer Journey enhancements and ancillary product launches.
- Responsible for handling all audits, compliance, and regulatory requirements pertaining to platform
Job Duties & responsibilities (List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)
Onboarding & CASA Capabilities
- Build and optimize digital onboarding flows covering:
- Savings / Salary / Zero balance accounts
- Assisted & unassisted journeys
- Re-KYC, CKYC fetch, document management
- Own CASA lifecycle components such as:
- Account activation & funding
- Status tracking & customer communication
- Exception handling & drop-off recovery
Platform & Technology Leadership
- Partner with engineering to design scalable, resilient, and reusable platform services.
- Drive adoption of event-driven architectures, APIs, and microservices.
- Ensure high availability, low latency, and strong observability (SLAs, SLOs, alerts).
Regulatory & Risk Alignment
- Ensure compliance with RBI, AML, KYC, CKYC, FATCA, CRS, and internal risk policies.
- Work closely with Compliance, Legal, and Risk teams to embed controls by design.
- Own audits, regulatory changes, and platform readiness for new guidelines.
Stakeholder & Program Management
- Collaborate with Retail Banking, Digital Channels, Operations, Risk, Compliance, and Partner teams.
- Act as the single-threaded owner for platform delivery, dependencies, and prioritization.
- Manage multiple workstreams and releases in an agile environment..Required Experience
6 to 8 years of experience post Bachelor degree with a proven track record in the financial services and/or banks, preferably in banking, fintech, or regulated financial services.
Strong experience in Savings Account onboarding, CASA products, or customer acquisition platforms.
Experience with API-based platforms, microservices, and workflow orchestration.
Proven ability to manage complex stakeholders and regulatory dependencies.
Education / Preferred Qualifications
Any graduation
Core Competencies
- Results driven - possesses an ability to find solutions to difficult problems quickly and effectively
- Process orientation - ability to perform within existing systems and processes, while project managing for process improvement
- Interpersonal effectiveness and ability to influence - ability to interpret data and articulate to convince others
- Team Effectiveness - Ability to work in a cross-functional, dynamic environment and support team members in the achievement of their goals
- Multi-tasking - Ability to manage multiple complex projects at various stages of development simultaneously
Technical Competencies
- Proven experience mobile and net banking product management with added exposure to core banking platform.
- Good grasp of the agile development environment.
- Strong analytical skills, creative, detail oriented, and solid problem-solving skills with a passion for new technologies
- Strong analytical acumen to translate data in to actionable trends and potential business ideas
Work Relationship
Ability to work in a cross-functional, dynamic environment and support team members in the achievement of their goals
DBS India - Culture & Behaviors
- Drive performance through Value Based Propositions
- Build pride and passion to protect, maintain and enhance DBS’ image and reputation
- Enhance knowledge base, build skill sets & develop competencies
- Invest in team building & motivation through ideation & innovation
- Execute at speed while maintaining error free operations
- Develop a passion for performance and grow the talent pool
- Maintain the highest standards of honesty and integrity
Location:
Mumbai
Job:
Digital.
Schedule:
Regular
Employee Status:
Full time
