Job Description for positions available in Singapore
Group Consumer Financial Services (Job Code: GCFS) Division offers an array of consumer products and services to more than one and a half million OCBC customers with diverse needs in Singapore and Malaysia. As a leader in several segments including Bancassurance, our services range from providing greater convenience in financial transactions and deposits, to increasing the number of options in loans, credit cards and wealth management products.
CFS Branch & Premier Banking
CFS Branch & Premier Banking is overall responsible for managing the OCBC network of branches and Premier Centres islandwide. It is the face-to-face channel that drives our consumer business where customers are served by a professional, dedicated and service-oriented team. In addition, our customers also enjoy the convenience of all week banking (including Sundays) at more than 20 Branches and Premier Centres located at shopping malls or near MRT and bus interchanges.
We have many teams that make up this network. At the frontline, a team of relationship managers provide personalised financial advice to both mass and affluent customers. They are further supported by an operations team who help to manage the day-to-day running of the branches. At headquarters, we have a strong support team to ensure the smooth delivery of our wealth management expertise and service. This comprises of the business management team, branch service and risk management team as well as the Premier Banking segment team who jointly formulate strategies and provide support to the network. Our consumer business is further expanded to Premier Offshore customers who reside overseas, but enjoy our Premier Banking service remotely and visit our Premier Centres in the region.All the teams in this unit work hand in hand to deliver service excellence to our customers.
CFS Quality Service Management
- The QSM & CA Department is responsible for driving a high and sustained level of service excellence in the Global Consumer Financial Services division. There are 3 main sections in QSM:
- Quality Team: This team leads, participates in and manages a portfolio of cross-functional projects aimed at re-engineering our process to better serve our staff and customers. It also is responsible for driving competencies in Quality thinking and skill-sets through identifying, training, coaching and certification of Six-sigma green and black belts. It is also responsible for measuring and tracking service performance.
- Service Team: This team drives the change to a more customer-centric culture change through key initiatives like reward and recognition programmes, service campaigns and empowerment frameworks. It also is responsible for service training in identifying critical service training competencies and customizing training programmes to skill up different job roles.
- Customer Assurance Team: This team is a customer-facing unit that manages customer complaint escalations with the aim of customer retention. It also acts as internal advisory to other departments in handling customer issues. It also represents the bank at Adjudication in cases of customer allegations of breach in the FAA (Financial Adviser's Act) regulation.
Credit Cards
OCBC Cards is part of the lifestyle group responsible for unsecured products. Our product suite includes the only Titanium card in Singapore and the largest cobrand program in Singapore. OCBC is the number 4 player in the market. The business is responsible for both the acquiring and issuing business for OCBC.
The business is responsible for product development, acquisition, retention, product positioning and sales. There is opportunity to learn the end to end aspects of marketing within the cards group.
The cards business is the centre of excellence for cobrands and partnership. The business aims to be No. 3 in the market whilst striving to be the most profitable cards business in Singapore.
Group Lifestyle Financing
Group Lifestyle Financing aims to be one of the Top 3 largest players in the payments and financing space regionally. All country cards and unsecured lending business units have matrix reporting to the Head of Group Lifestyle Financing.
The Regional Team within Group Lifestyle Financing lends strategic support to the different in-country cards and unsecured lending business units (Singapore, Malaysia, Indonesia and China) to help them to grow and operate their businesses more efficiently and effectively. It supports the countries in the areas of product development, marketing, building operational excellence as well as business financial planning and reporting.
As a regional outfit, the team also hot-houses new regional initiatives and transition to the participating countries, upon maturity of the initiatives. This frees local teams to concentrate on in-country activities.
In an effort to bolster overall performance, the Regional Team is also building its knowledge store to more effectively share best practices with the various countries.
Successful candidates will be exposed to the full rigors of running a cards and unsecured lending business. They will be expected to actively participate in the assigned regional initiatives that ultimately support the aim of establishing a centre of excellence in the area of payments and financing solutions.
Consumer Secured Lending
Consumer Secured Lending Department develop business strategies, spearhead product development, portfolio management and marketing campaigns for core secured consumer products such as home loan, car loans, secured revolving loan, renovation & also administers tuition fee loans. It is also responsible for business development strategies for Auto Loan Financing as well as run both the Mortgage Specialists force as well as Customer Service Centre, which handles largely the repricing and retention of Home Loan customers.
Mass Segment Management
Mass Segment Management focuses on customer segmentation, identifying untapped customer value in the Mass Banking Segment and developing relevant segment strategy to acquire new-to-bank customers, and cross-selling/up-selling/retention campaigns to realize the existing customer value potential. The Segment Manager will formulate the segment proposition based on robust customer research and insights, followed by the creative packaging and marketing of appropriate solution sets (including products, services and delivery channels) to the target segment.
Examples of OCBC segment programs are “FRANK by OCBC” targeting youths and young working adults, “Mighty Savers Program” and Family Banking for young children and their parents, and workplace banking for young working professionals.
CFS Marketing
CFS Marketing is the brand custodian for CFS responsible for developing the brand platform in support of CFS business strategy.
The department is incharged of the formulation, execution and co-custodian of marketing strategy / direction for CFS Departments (Products*, Segments** and Channels) to support their business objectives.
It is the Centre of Marketing Excellence for CFS, achieved through development and implementation of:
- Framework
- Marketing Processes for the different mediums
- Measurement
CFS Finance & Operational Risk Management and Control
CFS Finance is responsible for financial control for the Global Consumer Financial Services Division. And we support divisional senior management and business units with management information analyses, portfolio management, sales performance tracking as well as expense management. A key activity is the coordination of budgets and plans for the Division. The department has a regional focus and is currently represented in Singapore, Malaysia, and China.
Group Customer Analytics & Decisioning (GCAD)
Group Customer Analytics & Decisioning (GCAD) use data to better understand OCBC’s customer base and generate actionable insights.
These insights are used across the consumer banking franchise by all product, segment and channel managers to ensure that:
Segment & product offerings are founded on changing customer needs & behaviours Our communications are always timely & relevant Front line staff are empowered with information to better serve customers We institutionalise knowledge of the customer We are systematic in executing cross-sell, retention & service opportunities
Group Wealth Management
Group Wealth Management is responsible for designing wealth management solutions for the consumer segment. As part of the Consumer Financial Services division, the group works closely with various stakeholders internal and external in developing consumer value proposition that meets their financial needs. The group is organized in 4 key functions (i) product design and management (ii) advisory (iii) direct channel (iv) support. It has a regional focus with presence in Singapore , Malaysia , Indonesia and China.
E-business
E-business department is involved in the conceptualization and development of consumer banking’s internet and mobile banking products and services. The E-business Management Associate will be:
Managing new business initiatives from conceptualization to market rollout Grow the usage of internet/mobile banking channel through innovation of new/enhanced functionalities and value adding services. Manage the customer satisfaction, ongoing enhancements and operations of the internet/ mobile banking channels.
Business Transformation
The Consumer Financial Services franchise is undergoing a significant transformation programme. This will deliver a more customer-centred business model that leverages the efficiencies of regional standardisation. Our staff will be enabled through better use of emerging technologies that enable rich customer interactions, instant decisioning and straight through fulfillment and execution of customer instructions. The Business Transformation Department is overseeing the overall development and execution of the transformation programme, including a Project Management Office. Team members are actively engaged in leading or contributing to some of the critical capability building initiatives and projects and they frequently interact with the CFS leadership team. Business Transformation staff experience a wide ranging view of the consumer banking business model and help architect the future of the bank.
Global Corporate Bank Division (Job Code: GCB) is responsible for managing corporate relationships from emerging enterprises to corporate & institutional clients across diverse industries such as retail, transportation & logistics, electronics and real estate. We are a leading provider of a comprehensive suite of products and services including small business loans, transactional, cash management, trade finance services, treasury, and investment banking products. We aim to provide greater banking convenience to our customers by designing appropriate solutions which meet their needs and to support their business growth in Singapore and the region.
Group Investment Banking (Job Code: GIB) provides a comprehensive range of financing solutions, broking services, syndicated loans and advisory services to customers ranging from SMEs to MNCs. The group comprises Capital Markets, Corporate Finance and Mezzanine Capital.
The role in GIB requires the individuals to work with various business units to identify business opportunities and to develop and customise investment banking products and services to meet customers' requirements. We are looking for candidates with demonstrable career achievements, strong analytical and communication skills, intellect and tenacity. You should also have an eye for business opportunities and the interest in bringing concepts to fruition.
Global Treasury (Job Code: GT)
Centre of Excellence for Asian financial products Global Treasury's vision is to be the Centre of Excellence for Asian financial products. We differentiate with our ability and agility to develop product innovation and customer solution across the entire treasury product value chain. Our multi-asset class product capabilities provide customers with comprehensive advisory services on foreign exchange, interest rate, credit, equity and derivative exposure.
Award Winning Asian Platform Global Treasury's dominance and reputation as a Pan Asian treasury powerhouse is demonstrated by the numerous accolades in recognition of our strengths in product breadth, product innovation and customer service. We have been consistently ranked top in several Asian polls for various Asian local currency treasury products. Our regional platform spans from Singapore, Kuala Lumpur, Jakarta, Shanghai, Hong Kong, Taipei, Sydney to London.
High Performance Can Do Culture Global Treasury stands out with its fast paced, innovative and high performance culture, anchored on strong and prudent risk management. We cultivate a dynamic working environment, with strong focus on nurturing and developing young talents into future leaders with a can-do attitude. Our drive for high performance is closely linked to comprehensive grounding and development programs which include structured training, e-learning, simulated dealing and on-the-job training.
Treasury Advisory
We provide multi-product treasury solutions to our wide customer base across Asia. Our customer segments include corporates, financial institutions, high net worth individuals and retail markets. We provide advisory services on customers' hedging and investment needs across various product groups including FX, interest rates, equity, commodities and credit derivatives.
Treasury ALM
We manage the bank's inherent FX and interest rate risks, as well as liquidity, funding and investment needs, with the objective of optimizing the returns on the bank's balance sheet.
Trading
We provide competitive pricing and innovative products to our customers across major product groups, including FX, fixed income, interest rates, equity and credit derivatives. We establish market presence in core products through active market making.
Business Management Unit
We support the global treasury business in areas of risk management, finance, compliance, systems and infrastructure. We also support the development of proper infrastructure and processes to ensure that strong front office activities are aligned with middle office/support capabilities.
OCBC Securities Private Limited (Job Code: OSPL) is one of the leading stocks and futures broking firms in Singapore, providing full brokerage services for equities and derivatives trading. State-of-the-art technology is employed to deliver speedy multi-market electronic execution of trades for our customers.
Business Analyst Development Track
We are looking towards candidates with demonstrable achievements in thought leadership, specifically in the areas of analysis, and business conceptualization. You will be involved in revenue projects end to end, seeing to idea conceptualization, implementation, and business development. You must be IT, internet and mobile communications technology savvy, and have an appreciation for their potential to help grow the business. Demonstrable familiarity with B2B and B2C business models is preferred, as with a passion for equities, futures and forex, but these attributes are not essential. In the medium term, we hope to groom you into business managers with P&L responsibilities. Key attributes to be successful in a role with us are demonstrable career achievements, intellect, tenacity, an eye for business opportunities, and the interest in bringing concepts to fruition. Past relevant experience is advantageous, but not necessary. More importantly, candidates must have a keen interest to feel the pulse of the business and the markets.
Futures & Leveraged Forex Specialists Development Track
We are looking towards candidates with demonstrable achievements in thought leadership, to join our futures and forex business. The development plan is to have you understand our different FX and Futures business streams, including having you involved in business infrastructure projects, and in the mid & back office trading functions. Familiarity of B2B and B2C business models is preferred, as with a passion for futures and forex business, but these attributes are not essential. In the medium term, we hope to groom you into business managers with P&L responsibilities. Whilst the roles are not intended to be dealing and trading roles, we will support you in the applicable regulatory licensing procedures, so that you have the continued flexibility to grow breadth and depth in your career with us. Key attributes to be successful in a role with us are demonstrable career achievements, intellect, tenacity, an eye for business opportunities, and the interest in bringing concepts to fruition. Past relevant experience is advantageous, but not necessary. More importantly, candidates must have a keen interest to feel the pulse of the business and the markets.
Equities Product Manager Development Track
We are looking towards incumbents who have a demonstrable passion for the equities markets. The role requires individuals to continue to develop products and services for the Singapore and regional markets and clientele, in particular for the Internet Trading, Share Margin Trading, Share Borrowing & Lending, Exchange-Traded Funds streams of business. We will work on development opportunities to groom you into multi product business managers in the medium term. Whilst the roles are not intended to be dealing and trading roles, we will support you in the applicable regulatory licensing procedures, so that you have the continued flexibility to grow breadth and depth in your career with us. Key attributes to be successful in a role with us are demonstrable career achievements, intellect, tenacity, an eye for business opportunities, and the interest in bringing concepts to fruition. Past relevant experience is advantageous, but not necessary. More importantly, candidates must have a keen interest to feel the pulse of the business and the markets.
Mid & Back Office Leadership Development Track
We are looking towards incumbents who have a demonstrable passion for the equities, futures and forex markets. The role requires individuals to join the growing stockbroking back office organization to continue supporting business growth in the front office. For the short to medium term, depending on your aspirations and organizational needs, we will create opportunities for you to grow in areas such Finance & MIS, Risk, Human Resource, Business Infrastructure Projects, Compliance & Internal Control, Marketing, Market Development, Customer Service, so that you will grow into stock broking mid & back office leadership roles. Key attributes to be successful in a role with us are demonstrable career achievements, intellect, tenacity, an eye for business opportunities, and the interest in bringing concepts to fruition.
OCBC Investment Research Private Limited (Job Code: OIR)
OCBC Investment Research Private Limited is one of the leading research firms in Singapore which provides quality equities research to the individual investor.
We are looking for candidates who have a passion for research work to join us in the areas of equities, futures & forex, and economic research. You should be highly analytical with a strong understanding of the mechanics of the financial markets. It is preferred that you be familiar with financial reporting, modelling and valuation, as the role involves detailed analysis of the performance of listed companies, forecasting of future earnings and making recommendations on the investment position of the companies being research on.
Group Risk Management (Job Code: GRM) oversees the management of credit, market and operational risks for the Bank and its financial subsidiaries. GRM's main aim is to protect the Group against losses that could arise from taking risks beyond its risk appetite. The Group's philosophy on risk management is that all risks must be properly understood, monitored, controlled and managed. In addition, risk management process must be closely aligned to the Group's business strategy to enable the Group to maximise its risk-adjusted return on capital.
Group Operations and Technology (Job Code: O&T)
Operations
As an Operations Management Associate, you will be part of a dynamic team to prudently manage risks by reducing operational errors. You will also ensure compliance with established policies and guidelines while striving to achieve economies of scale by integrating operational activities. The Operations team plays a crucial role in the bank's success by ensuring support is provided promptly to all the Business Units - namely Treasury, Securities, Trade, Loans, Cards, Payment and Investment. There are opportunities to gain in-depth exposure to these products and its processes. You will also be given the opportunity to undertake various projects and to gain exposure to Quality management tools.
Technology
Providing efficient IT and operations support for our consumer banking, corporate banking, investment banking, transaction banking and treasury units, Group Operations & Technology continuously invests in people and technology to provide a high level of quality service by maximising efficiency and are committed to providing effective solutions in transaction processing, automation and development of new technologies to support our local and overseas business units' expansion.
As an IT Management Associate, you will be part of our team to drive solutioning, design, implementation and support of banking applications systems or a series of related systems. The IT team covers multiple areas spanning not just design and implementation, but also IT operations support, network, platforms, hardware maintenance, and creation of new technologies. There are numerous opportunities for all individuals from different specialization. You will work with vendors and supervise a team of IT staff to ensure delivery on time and within budget to project sponsors. You will also be responsible for the project plans, resources, and project budgets. Come join us and work with our team to deliver solutions to drive the bank's business strategy and
expansion plans, business product roadmap and the technology roadmap.
Group Audit (Job Code: GA)
Group Audit provides independent audit services designed to add value and improve the Group's operations and systems of controls. It helps the Group accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control and governance processes.
The role requires candidates to have a passion for internal audit and some audit or banking experience is preferred. You are likely to be attached to private banking, consumer financial services and branch audit. As an Audit MA, there will be opportunities for you to participate in projects and be put on stretch assignments to accelerate your learning, with a view to assume leadership roles.
Group Human Resources (Job Code: GHR)
As a Human Resources Management Associate, you will be part of a team that contributes to the accomplishment of OCBC's business goals and competitive advantage through the creation of an excellent working environment which attracts the best people to come to OCBC, to stay and to excel. The current role presents an opportunity to apply your excellent business knowledge, experience and passion to OCBC's Learning & Development/Talent Management capability building.
You will be given a portfolio to learn the function and continuously exposed to project management in conceptualizing, developing and implementing business-oriented people development initiatives across the Group globally. This role calls for individuals who are creative and resourceful in bringing value-added solution to support our business growth and expansion.
Group Quality & Service Excellence (Job Code: QSE)
Group Quality & Service Excellence is responsible for driving Business and Process Transformations across OCBC Group.
As our Management Associate, you will work with colleagues across functions and geographies to transform processes and create value for customers, employees and shareholders.
Join us and you will gain valuable exposure to leadership development and cross-functional and border opportunities across OCBC Group.
Group Customer Experience (Job Code: GCX)
Group Customer Experience (GCX) works to create a more customer-focused OCBC. We focus on three main things: 1. Bringing more customer insight into our decision making process 2. Improving the experiences customers have with our buildings, websites, forms, products, processes and more 3. Supporting a customer-focused culture.
In GCX, we are market researchers, quantitative data specialists, information architects, strategists, web designers, change agents, graphic designers, experience designers, rewards & recognition specialists, architects and qualitative research experts. We all have one thing in common, though: a passion for customers. If you join us as a Management Associate, you must have that passion, too. If you do, then you’ll get a chance to work across all these disciplines as well as partner with our colleagues in marketing, operations, channels, HR, corporate communications and others. You’ll get to think big-sky ideas as we look to innovate, and you’ll get your hands dirty fixing the basics and working on details as we work to identify the most important experience improvements to make and the best way to make them. In the end, you’ll make life better for our customers, and business more successful for OCBC.
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