DBS Bank India | Senior Associate, Credit Approval, Risk Management Group

Key accountabilities

• To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
• To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
• Approve judiciously as and when DOA is granted
• Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.
• Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
• Ensure meticulous compliance with Banks internal credit policy as well as regulatory guidelines for the SME segment.
• Ensure compliance with the benchmark Turnaround Time

Requirements

• Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.
• Sound knowledge of financial statement analysis and accounting policies/practices.
• Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques.
• Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
• Knowledge of corporate banking products.
• Knowledge of SME market and preferably should have had approval authority in previous assignments /0rganisation.
• 5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating.
• Good knowledge of industries/sectors

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