Consumer Banking

What is Consumer Banking about?

At DBS, our Consumer Banking (CB) unit covers a comprehensive array of products and services including deposits, investments, insurance, mortgages, credit cards and personal loans. Our edge lies in end-to-end origination-to-structuring-to-sales, and we take pride in our continuous ability to innovate. We were the first among Singapore banks to offer Internet banking, and the first in Asia to offer full banking services in an airport transit area. More recently, we led the industry in launching a home loan product that offers greater interest rate transparency in Singapore.

CB is enjoying strong growth momentum in a resurgent Asia, fuelled by the increasing affluence and sophistication of individuals across every social stratum. Against such a backdrop, opportunities abound to help our clients manage their wealth and finances more effectively.

What can you look forward to?

You may choose to help shape the dynamic CB business through marketing or product development. This involves business analysis and project coordination to support portfolio marketing, advertising and development of new financial solutions for retail customer segments. Alternatively, you may cut your teeth in sales and distribution, interfacing directly with clients, and earning your stripes by providing sound advice and wealth management services to customers.

Specialised Corporate & Investment Banking

What is Specialised Corporate & Investment Banking about?

DBS aims to be the top financial solutions partner of leading corporate and institutional clients in Asia. Our Specialised Corporate & Investment Banking (SCIB) unit is responsible for driving core advisory relationships to corporate customers across a range of industries. These include communications, media and technology; real estate; energy, chemical and healthcare; transportation and logistics; manufacturing; trading and consumer products and the public sector.

We also raise debt capital for our customers in the international syndicated loan market. This involves originating, structuring, underwriting, executing and syndicating a wide variety of capital-raising transactions across Asia.

What can you look forward to?

As an MA in SCIB, you will be exposed to a swathe of challenging tasks. These include providing financial solutions and loan syndications, conducting credit assessment, evaluation, review and structuring. You will also draw up proposals to meet the specific needs of corporate clients through multi-product marketing and the cross-selling of our full range of products and services.

Enterprise Banking

What is Enterprise Banking about?

Small and medium-sized enterprises (SMEs) play a critical role in the economic growth and employment creation of any economy. As an Asia banking specialist with a strong SME banking franchise, DBS Enterprise Banking (EB) is committed to supporting SMEs in their growth domestically and in their regional expansion. Backed by a team of product specialists, we are well-positioned to deliver a whole suite of enterprising solutions to support local enterprises at each stage of their business life cycle. Our financial products and services range from cash management services to loan facilities, trade financing, business risk protection instruments and capital market instruments.

What can you look forward to?

As an MA in Enterprise Banking, you can look forward to working in either frontline positions as Relationship Managers and in Sales support; or in Product Development and Marketing support roles. In your frontline role, you will assist our SME customers in their financial needs and deliver quality service to enhance the level of customer experience with the Bank. In Product Development or Marketing support roles, you will focus on designing new products and improving existing ones through innovative product packaging and partnership tie-ups, and in executing creative marketing initiatives. In whatever capacity, you will be constantly challenged by the opportunities presented to you to help our customers realise their business aspirations, at the same time entrenching DBS' SME banking franchise.

Global Transaction Services

What is Global Transaction Services about?

Global Transaction Services (GTS) comprises Cash & Trade, Securities Services and Fiduciary Services.

In an increasingly borderless world marked by burgeoning trade flow, expertise in trade finance services is an invaluable asset. With cash the lifeblood of every company, so too, is a good understanding of how to manage these cashflows. Trade Finance, together with Cash Management, is the mainstay of GTS, and is extended to SME and corporate clients for their local and cross-border financial transaction needs.

In our securities services business, we provide a full range of custody services covering securities custody and safekeeping, settlement and corporate actions as well as valued-added services like proxy voting and tax reclamation, and market information updates to our clients. And through our wholly owned subsidiary, DBS Trustees Ltd, we set up, maintain and administer trust, agency, corporate and other fiduciary structures to meet the estate planning, asset preservation, tax planning, investment holding, and/or business needs and regulatory requirements of private and corporate clients. REITS, escrows, unit trusts and exchange traded funds are usually structured around a corporate trust or fiduciary arrangement. The unprecedented growth personal wealth in the past decade has created a boom in the use of private trusts to hold, preserve and facilitate the transfer of wealth to successive generations.

What can you look forward to?

In Cash & Trade, you will be part of the product management team that provides seamless and cost-effective solutions to customers. Whether it is through conducting market research, or by enhancing a product or system's features to meet customers' needs, you will have every opportunity to shape the business. You will also be exposed to a myriad of Trade and Cash Management products through various marketing campaigns and joint visits with our relationship managers.

And in our securities & fiduciary services units, you may be exposed to various aspects of the custody, trust and fiduciary business from product development, sales (meeting clients, assessing their needs and suggesting solutions), new client conversion (documentation negotiation and due diligence) to client servicing and administration.

Global Financial Markets

What is Global Financial Markets about?

DBS Global Financial Markets (GFM) is a leading financial market house in Asia, offering the most comprehensive range of treasury products from foreign exchange instruments, commodities, securities trading to the evolving exotic hybrid derivatives. With the objective of achieving leadership locally and regionally in Asia, particularly in Asian currencies, we keep ourselves highly competitive with our extensive industry and market research. We react quickly and decisively to capture any opportunity that arises in financial market, consistently delivering excellent financial services and strategies that exceeds our clients' expectations. GFM won many accolades from independent market watchers / publications. Examples of such awards/accolades are the Best FX Bank in Singapore and Southeast Asia awarded by Global Finance, Best in Singapore by Structured Products and the House of the Year by Asia Risk.

What can you look forward to?

Does the thought of deal-making captivate you? Or does the idea of reading markets correctly excite you? If so, you'll find GFM is the right place for you, we offer challenging opportunities to stretch you in a market that is fast becoming the centre of economic activity and capital formation. You can be part of an award-winning team that has been at the forefront of a long list of ground-breaking capital markets transactions. As an MA in GFM, you will have the opportunity to help sustain our leadership in regional debt and equity capital markets, private equity as well as mergers and acquisitions. Opportunities also abound in structured finance, structured credit, interest rates, complex hybrid products and advisory sales. With a wide range of assignments such as research and analysis, structuring and execution and trading, there will be no two days that are the same in GFM. You will gain invaluable hands-on experience, and the fast-paced and intense environment will call for confident, split-second decision making.

Central Treasury Unit

What is Central Treasury Unit about?

Are you excited by watching the financial markets? Does the idea of making the right investment decisions thrill you? If so, join us at the Central Treasury Unit (CTU), where we are responsible for the management of the Group's structural interest rate, foreign exchange and liquidity risks and investment of the Group's excess liquidity and shareholders' funds. We invest in a broad range of financial market instruments such as fixed income, equities, derivatives, alternative investments and structured products. In addition, we are responsible for the daily management of the Bank's overall asset & liability position as well as short to medium term funding requirements.

What can you look forward to?

As an MA in CTU, you can look forward to vigorous foundation training in various core areas of the CTU investment portfolio including macro market risk, credit & equity risk, deal analysis in alternative investments and structured finance. Depending on our needs, you may be assigned a specialty field and groomed to become a full-fledged Portfolio Manager. Alternatively, you may also be groomed to become a generalist with a wide skill set to assist various Portfolio Managers in their investment analysis. Regardless of your role, you will be constantly challenged in a fast paced and intense working environment.

Wealth Management

What is Wealth Management about? What can you look forward to?

Asia is now the fastest-growing region in the world based on GDP growth rates. Better prospects are swelling the ranks of Asia's wealthy, particularly in China and India. Asian wealth is expected to grow ahead of the global average, creating enormous opportunities for the ambitious graduate to develop a career in Wealth Management. Depending on your interests, this may involve working in Private Banking, serving the well-heeled, or taking on challenging roles in the field of fund management or stockbroking.

Private Banking

DBS Private Banking offers our customers a one-stop full-service touch-point for their total banking requirements. We provide the highest level of personalised banking through our team of investment advisors and support structure. Our focus lies in identifying opportunities in the various asset classes and the best ways to profit from it, employing the best strategies and product vehicles.

As an MA in Private Banking, you may be involved in customising investment advisory solutions for varied profiles of our clients or engaged in product development and engineering. You will also work in partnerships within the DBS network and with global institutions and strive to achieve our business and clients' goals.

DBS Asset Management

DBS Asset Management (DBSAM) ranks among the most experienced and best known fund management companies in Asia. With offices in Singapore and Hong Kong, and associated companies in Malaysia, China, India and Thailand, we manage money for institutional, private and retail investors across Asia. DBSAM delivers effective investment management solutions for Asia-focused clients that cover a wide spectrum of asset classes, with core competency in Asian fixed income and Asian equities. Our vision is to be the preferred long-term partner for clients seeking investment management solutions in Asia. Our focus is on delivering efficient access to markets, identifying new investment opportunities as markets evolve, enhancing performance value add and responsible risk management.

As an MA, you will be fully integrated into our business here at DBSAM. You will be exposed to challenges and opportunities that will build your foundation in the asset management industry, and hone your leadership and decision-making skills.

DBS Vickers Securities

DBS Vickers Securities Singapore is a leading securities and derivatives brokerage firm and has full stock broking licenses in Singapore, Hong Kong, Indonesia and Thailand as well as offices in Malaysia, Shenzhen, New York and London. With our extensive network and market insights together with our expertise and experience, we provide a comprehensive suite of retail, institutional and online broking services and solutions to meet the needs of individuals, corporations and institutions.

You could expect to be involved in client advisory, product management and operations portfolio in Singapore and the regional capital markets as we are an active player in Asia. Regardless of your role, you will be challenged to exceed customers' expectations and enhance our selection of products and services available to build long-term client relationships.

Group Audit

What is Group Audit about?

The primary role of Group Audit is to assist the Board and Executive Management to meet the agreed strategic and operational objectives of DBS Group. Group Audit achieves this by providing an independent appraisal of the adequacy and effectiveness of the risk management and control processes in operation throughout the whole Group. Group Audit aspires to be the best audit function in the financial services industry within Asia-Pacific. Made up of sought after professionals, we seek to provide leadership in building and strengthening the control environment. Group Audit aims to be the stakeholder's trusted adviser in all matters relating to internal controls. Through a commitment to excellence and the maintenance of our independence, we deliver a high quality product focused on fostering a robust control culture to enable the Group to achieve its long-term business objectives.

What can you look forward to?

In the Group Audit team, you will perform work that has been designed to provide you with a strong foundation of skills so you can develop a broad understanding of control processes and risk management in a banking environment. In addition to your graduate training, you are encouraged to pursue and complete the professional qualification such as the accreditation of Certified Internal Auditor.

Group Credit

What is Group Credit about?

Earnings from extending credit to customers are a primary driver in the profits of DBS. Group Credit works closely with our business partners to manage the bank's credit risk exposure to maximise returns against an acceptable risk profile. We work closely with origination teams and clients to structure transactions and manage credit relationships to provide capital and investments to our customers.

What can you look forward to?

DBS seeks to develop high calibre credit professionals by providing training in leading edge analysis, financial techniques and products. As a member of the Group Credit team, you will join multi-discipline client service teams and be expected to commit to a high level of customer service. You are expected to sustain world class capabilities in the latest capital markets financial service businesses.

Group Finance

What is Group Finance about?

DBS aspires to be a metric driven, high performance organisation. To achieve our vision, support from the Group Finance team is integral. Group Finance's vision is to deliver world-class standards in reporting, financial planning and finance processes. The team provides insightful analysis of business, product and customer profitability to support decision making and the generation of shareholder value. In addition, we are responsible for the production of timely and accurate statutory, financial and management information. Group Finance also provides capital management, business planning, forecasting, tax and accounting advisory services.

What can you look forward to?

Group Finance offers the ambitious graduate numerous challenges. Whether it is analysing business performance, preparing financial reports, or maintaining good relations with regulatory bodies, the role will train you to think strategically, and hone your quantitative and communication skills.

Group Human Resources

What is Group Human Resources about?

In the financial services industry, people are our biggest asset. Group Human Resources (HR) has the important role of attracting, retaining and nurturing talent to ensure that we continue to be a competitive Asia banking specialist. To this end, HR's vision is to differentiate DBS as an employer of choice through strategic partnership with our business and outstanding people practices.

What can you look forward to?

As an MA in HR, you can be a business partner to your business unit, understanding and addressing their people requirements. In that role, you will also act as the catalyst between functional HR teams and the business unit to cascade to employees DBS' HR initiatives. Alternatively, you may choose to be part of functional HR teams, shaping such areas as talent acquisition, talent development and reward policies.

Group Legal and Compliance

What is Group Legal & Compliance about?

The banking business is founded on trust and integrity. To continue to succeed, we must zealously guard and enhance our reputation and capital. Group Legal & Compliance ensures that our interests are protected, and that we continue to maintain our good standing with regulators, customers, business partners and stakeholders.

What can you look forward to?

With DBS' size and scope of operations having expanded significantly over the past few years, the job has increased in complexity. As a member of the team, you will be involved in bank-wide and group-wide legal, compliance and regulatory-related matters. You will coordinate legal and regulatory dealings, establish standards and procedures to ensure compliance with regulatory requirements and conduct compliance review programmes.

Group Planning

What is Group Planning about?

Group Planning performs the function of developing corporate strategy and aligning business strategies to achieve financial targets and strategic objectives. The unit reviews banking trends, market opportunities and structural issues to formulate corporate strategy and priorities. Working closely with other group functions, we enable execution of the Bank's plans through the various units. While the primary focus is on organic growth, inorganic options would be evaluated if strategic and operational fit exists.

What can you look forward to?

In Group Planning, you will join efforts with Group Finance to oversee the process of strategy execution and communicate strategic priorities to the various units and subsidiaries within the DBS Group. You will work hand-in-hand with the units to translate our group-wide strategic priorities into detailed unit-level strategies and operating plans. These need to be comprehensive yet responsive to changes in the competitive environment. As strategy execution involves complex coordination between multiple units across countries and functions, you will ensure that strategies and plans are constructed and executed with joint-ownership and accountability with the units.

Group Risk

What is Group Risk about?

Whether it is risk of loss from a loan default, market movements, or overcoming operational challenges, risk-taking is an inherent part of the financial industry. DBS sees risk management as a competitive advantage to sharpen our risk-taking and has invested significantly in the skilled people and infrastructure needed to stay ahead of the curve.

What can you look forward to?

As an MA in Group Risk, you will be part of one of the most dynamic and well-regarded risk teams in Asia. You will be given challenging assignments and have to rapidly climb a steep learning curve on products, models, markets and infrastructure. You will be one of the diverse talents from many countries around the world, drawn together by a shared belief that learning never stops. Entry is highly selective and promising staff are put through intensive training, which may include graduate level sponsorship in financial engineering.

Group Strategic Marketing & Communications

What is Group Strategic Marketing & Communications about?

The business of banking is a highly commoditised one and customers today have many choices. Group Strategic Marketing & Communications (GSMC) seeks to build, protect and enhance DBS' corporate reputation and differentiate DBS through a strategic and integrated focus on corporate communications, marketing and research. We are at the forefront of building the DBS brand in the region, inspiring and working closely with all units in the DBS Group to reinforce "Why DBS?" in everything that we do.

What can you look forward to?

As an MA in GSMC, you will be part of a dynamic team with a strong entrepreneurial spirit. You will be involved in numerous fast paced, real-time assignments, gain invaluable exposure to a diverse range of banking issues, interact with colleagues and senior management from all parts of the bank and acquire life long skills in strategic marketing and communications.

Group Technology and Operations

What is Group Technology & Operations about?

Group Technology and Operations' (T&O) vision is to innovate continuously, effectively deliver change, and provide efficient, scalable standard infrastructure and operating process. We work with our internal business partners to design, develop and provide a comprehensive range of solutions to support the businesses such as deposits, credit cards, corporate and retail loans, trade finance, cash management, treasury operations amongst others. In addition, T&O manages the majority of the Bank's operational processes in best-in-class standards.

What can you look forward to?

As an MA in T&O, you will have the opportunity of being exposed to a range of products and services. Other assignments include participating in re-engineering initiatives to enhance our end-to-end processes and straight-through processing capability so as to raise our service quality, improve control and reduce operating cost. You will also be involved in institutionalising metrics and measurements, as well as participating in project work including the implementation of system platforms across the region.