DBS Bank India | Associate, Relationship Manager, Credit Program Small, Small Medium Enterprises

Key accountabilities

• To achieve the individual Budgeted revenues through all product parameters
• To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval.
• Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc.
• Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL.
• Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 –Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio.
• Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events.
• Conduct Proper Due diligence while on-boarding New Asset Relationships.
• Provide regular feedback to the credit and portfolio team about various developments in the client’s business.
• Work closely with the monitoring team for early warning signals and take appropriate actions as identified.
• Ensure Timely Renewals of Accounts.
• Ensure that the covenants and conditions prescribed by the credit team are consistently met.
• Timely Completion of Learning Programs as assigned by DBS for time to time.
• Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation.
• Maintain the Highest Standards of Honesty and Integrity.
• Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy
• Working Capital Finance Knowledge

Requirements

• Thorough monitoring of accounts sourced and keep track on customer’s business and report any early warning signals.
• Overall 3- 5 years of experience in sales.
• Working Capital sales and service portfolio.
• Proven sales track record in asset business in the SME/Business Banking segment.
• Knowledge of competitors and marketplace.
• Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.
• Excellent Communication & Listening Skills, Good Sales & Negotiation Skills.
• Knowledge, Skills and develop Competencies aimed at continuous improvement.
• 2-3 years experience in Working Capital sales and service portfolio

DBS Bank India

DBS Bank India Limited is the Indian arm of DBS Group of Singapore, one of Asia's largest banks. DBS opened its first Indian office in Mumbai in 1994 and was among the first large foreign banks to operate in India as a wholly owned, locally incorporated subsidiary. After the amalgamation of Lakshmi Vilas Bank in November 2020, it serves customers through branches in around 19 states.

For finance professionals, DBS hires across consumer banking, institutional banking, treasury and markets, finance and controllership, risk, internal audit and compliance. CA, CFA and MBA (Finance) profiles suit its credit analysis, relationship management, regulatory reporting and audit roles.

• Industry: Banking
• Headquarters: Mumbai, India (parent: DBS Group, Singapore)
• In India: Branches across around 19 states, with large technology and operations hubs in Hyderabad and Chennai