Global Consumer Financial Services (GCFS)

Global Consumer Financial Services serves almost 3 million customers across Singapore, Malaysia, Indonesia and China. In Singapore, our customer proposition caters to different life-stages and needs ranging from Mighty Savers for children and young families, FRANK by OCBC for the youths and young working adults to OCBC Premier Banking for affluent individuals. Besides being the pioneer in various banking products and services which includes FRANK by OCBC, full-service Sunday Banking and award-wining Online Banking, we are also the market leader for Bancassurance sales.

The GCFS track is specially designed to provide you with a holistic development as we understand the challenges you face as you enter the working world. Apart from equipping you with technical skills and business knowledge, we will also ensure that you become competent in critical skills like customer service, analytics, and process improvement while learning to work collaboratively and becoming more comfortable around senior management.

You will be assigned to your home department which allows you to gain an overview of how your department operates while having the opportunity to know colleagues from other departments and divisions. To accelerate your learning and development, you will participate in departmental and cross-departmental projects so that you have exposure of how GCFS and the bank operate. You will also participate in various developmental activities, including those related to CSR. These activities are specially designed to allow you to have opportunities to interact with senior management as well as to expand your network.

Global Corporate Bank (GCB)

Global Corporate Bank manages corporate relationships for companies ranging from small and medium enterprises to large corporations and institutional clients across diverse industries.

As a Young Banker in Global Corporate Bank, you will be given the opportunity to master Corporate Banking products and service our corporate customers, ranging from small and medium-sized enterprises to large conglomerates. You will be trained professionally to deliver solutions-oriented and prompt after-sales service for corporate customers at our Commercial Service Centre, and thereafter be rotated to another department within Global Corporate Bank to assist in managing a portfolio of corporate customers, servicing their businesses with the full range of financial products and services, including Credit, Cash Management, Trade & Payments, Supply Chain Finance Solutions and Treasury products.   You may also choose to become a product specialist/manager in our transaction banking unit, focusing on providing products and services to make banking simpler and more convenient for corporate customers, especially SMEs.

Global Investment Banking (GIB)

Global Investment Banking offers comprehensive funding solutions (debt, equity & mezzanine) to support the assets on the balance sheet of our corporate customers. We aim to attain recognition as the Preferred Investment Banking Product & Advisory Provider in key Asian local markets, (Singapore, Malaysia, Indonesia & Greater China), targeting the embedded local customer franchise and focusing on cross-border products & services.

Our functions include Capital Markets, Corporate Finance and Mezzanine Capital Unit.

• Capital Markets: Structure and originate a wide spectrum of debt products (syndicated loans, public debt issuance, project financing, asset securitization) across a broad range of industry sectors, currencies and maturities to meet clients’ needs.
• Corporate Finance: Provide corporate finance transaction advisory services and access to equity capital markets with strong underwriting capability and wide distribution channels. Activities include IPO, secondary fund raising and M&A advisory.
• Mezzanine Capital Unit: Provide highly customized and structured hybrid financing solutions that combines the risk-return features of both debt and equity to private and listed companies.

Global Treasury (GT)

We aim to be the centre of excellence for Asian financial products. Our market dominance is demonstrated by numerous accolades for product innovation and customer recognition. A can-do attitude and high performance culture has consistently ranked us as one of the best in the region.

Our functions include Treasury Advisory/ Institutional Sales, Asset Liability Management, Trading, and Business Management Unit.

• Treasury Advisory/ Institutional Sales: Provide multi-product treasury solutions to our wide customer base across Asia which includes corporates, financial institutions, high net worth individuals and retail markets. Offer advisory services on customers’ hedging and investment needs across product groups eg FX, interest rates, equity, commodities and credit derivatives.
• Asset Liability Management: Manage the bank’s inherent FX & IR risks and provide analytics on liquidity and funding management with the objective of optimizing the returns on the bank’s liquidity profile. Enhance management of the bank’s balance sheet with active reserve portfolio management and credit investment portfolio management.
• Trading: Provide competitive pricing and innovative products to our customers across major product groups, including FX, fixed income, interest rates, equity and credit derivatives. Establish market presence in core products through active market making.
• Business Management Unit: Enable the global treasury business in areas of risk management, finance, compliance, systems and infrastructure, which requires “specialist” support skills set. Support the development of proper infrastructure and processes to ensure that front office activities are aligned with strong middle office/support capabilities.

Group Audit (GA)

Group Audit provides an independent and objective assurance that OCBC’s business activities are functioning effectively and will enable the Group to accomplish its strategic objectives within the established risk appetite. We adopt a risk-based and systematic audit approach to evaluate and provide recommendations to improve the quality and effectiveness of governance, risk management and internal control processes.

The departments in Group Audit include Global Consumer Financial Services & Bank of Singapore Audit, Global Treasury & Investment Banking Audit, Regulatory Capital Audit, Credit Risk Review, Group Operations/Finance Audit, IT Audit, Support Services & Subsidiaries Audit, Investigation, Audit Methodology & Standards and Program Management Office.

If you want to learn and understand the various facets of banking, sharpen your analytical, problem-solving and communication skills, and at the same time strengthen your interpersonal abilities, come and join Group Audit. We also offer opportunities to work with audit clients in the multiple countries where OCBC operates, broadening your experience in the culture and operating uniqueness in each country.

Group Customer Experience (GCX)

Group Customer Experience Division comprises professionals in market research, experience design, information architecture and design thinking. It is also in the business of customer analytics and helping business divisions within the bank transform their service into one increasingly customer-centric. Working with other partners across OCBC Bank Group, it has one goal in mind: deliver great customer experience across all touch points, from websites to forms, to branches, and to people.  The division comprises 4 internal consulting units, spanning Experience Design, Market Research, Customer Analytics & Decisioning, and Service Transformation.

Group Finance (GF)

Group Finance Division tracks and analyses the financial data generated from the business operations of the bank. Gaining an in-depth financial knowledge of the bank, Group Finance supports businesses in their decisions by providing performance analytics, thereby facilitating an efficient allocation of financial resources within the bank.

Group Finance also plans and manages the bank’s funding and capital resources so that there are adequate financial resources for the bank to grow its existing businesses. In addition, Group Finance evaluates new business opportunities that would strategically enhance the bank’s competitiveness.

With various control functions such as Treasury Financial Controls, Group Finance seeks to ensure the high standards required for the bank’s financial and regulatory reporting. Confident of the integrity of the financial numbers, Group Finance communicates regularly with external stakeholders to keep them abreast of the bank’s financial performance and strategy.

 Group Human Resources (GHR)

Group Human Resources is the organisational function that provides thought leadership and advice for all people issues in the organisation. We focus on the recruitment, development and engagement of, people to enable them to contribute effectively and productively to the accomplishment of the organisation's goals and objectives.

At Group Human Resources, we manage compensation, hiring, performance management, organisation development, safety, wellness, benefits, employee motivation, communication, talent management and training. Additional programmes include employee and community outreach, employee engagement activities, which may extend to involve employee families.

We see your talent: If you are curious, driven to learn, enjoy exploring new ideas, love experimenting and connecting with others to achieve outcomes, we want to develop you.

We see your growth: In the first 12 months of the programme, in addition to your foundational training, we will expose you to various functions of Group Human Resources and our service value chain partners.

We see your impact: You would be supported and equipped with skill sets to help you deliver on your role. You can expect to be challenged in real business context. You will see how your value is brought to the table and the impact you make.

Group Operations and Technology (GO&T)

Group Operations and Technology is on a digital journey to build solutions that reimagine banking for our customers and create a technology-led internal culture. We are recognised for our thought leadership, innovation mindset, and investment into people development. Seen as the key competitive differentiator, GO&T provides IT & processing support across the bank's business lines such as consumer and corporate banking. Considered to be the core engine of the Bank, GO&T supports the growth expansion strategies within OCBC Group.  It runs the bank’s regional processing centres and technology operations; drives a dynamic quality and innovation culture for continuous process improvement and service excellence. 

If you love challenges and exploring new ideas, we want to maximize your potential and develop you to be part of this dynamic team. In the first 12 months of the program, you will be given the opportunity to rotate into various departments of GO&T and this will provide you with a good understanding of the various roles and activities and develop an appreciation of GO&T’s contribution towards supporting the Bank’s businesses. With the support of your line managers and working with your colleagues, you will be able to leverage OCBC’s scale by simplifying, standardizing and integrating existing business processes and technology applications. You will interact with business partners to deliver technology and process solutions that meet customers’ requirements.  Through the program, you will have a team that supports the development of your professional skills and have a mentor who will guide you in your career.  You will broaden your exposure through networking opportunities with Senior Management and working on projects. If you enjoy challenges and want to push yourself beyond limits, this is the role for you!

Technology

We are looking for passionate technologists who are keen to be part of our digital journey. You should have knowledge of one or more of the following: programming languages (Python, Javascript, Java, C++, C#, HTML), data analytics, machine learning, cloud computing and networking.

In “Run The Bank”, you will be challenged to support and improve Bank-wide IT Services through departments like Application Services, Technology Infrastructure & Data Center Support. You may also experience a role in “Change-The-Bank” through Systems Delivery as you deliver new system designs that respond to the clients’ changing needs.

Operations

In the operations role, you will be part of the team to leverage on technology to enhance processes in the execution of daily transactions with a focus on improving customer experience.  You will also derive insights from data analytics and research to support key decisions. 

Group Risk Management (GRM)

Group Risk Management oversees the management of credit, market and operational risks for the bank and its financial subsidiaries.

We adopt the best in-class risk management practices to establish a sound risk control framework in order to protect the Group against losses that could arise from taking risks beyond its risk appetite while enabling the Group to maximise its risk-adjusted return on capital.

On a day-to-day basis, GRM has functional responsibility for providing independent risk control and managing credit, market, operational, liquidity and other key risks. Within the division, risk officers are dedicated to establishing Group-wide policies, risk measurement and methodology, as well as monitoring the Group’s risk profiles and portfolio concentrations. GRM also has a dedicated unit that manages risk remediation.

Risk functions extend across the Bank, with excellent work opportunities across geography such as Malaysia, Indonesia, China, Hong Kong and Private Banking through the Bank of Singapore. It also extends to OCBC Group members such as Great Eastern Insurance, OCBC Securities and OCBC NISP.