Senior Associate, Specialist, Collections, SCF and SME, Large Cap, Institutional Banking Group

Senior Associate, Specialist, Collections, SCF and SME, Large Cap, Institutional Banking Group-(WD75333)

Business Function

Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.

Job Purpose :

Entrusted with the ownership of the management of pre-stress / stress accounts, involving early identification of credit deterioration, security optimisation and proactive workout for Supply Chain Finance portfolio and other working capital products of SME relationships in the bank.

The role involves deep rooted understanding of the business, inherent problem identification, operational and financial restructuring, in part or full to resolve the problem and monetisation of the securities for the Bank. The role is to optimize recovery and integral to formulating structuring / exit strategies in pre-stress / stress situations. The individual needs to drive the account management in collaboration with the senior leadership team, RM and other internal stakeholders.

Collection Manager is expected to deliver results in accordance with the guidelines prescribed by the bank.

Key Accountabilities :

• Closely monitoring of allocated portfolio, regular review of operational and financial performance, tracking performance of various industries which have a bearing on the respective assets / securities etc.
• Working closely with Regional Leaders, Team leaders of SME and supply chain team to identify credit deterioration and resolving them at the earliest.
• Working closely with Anchor program managers and SCF TL / RM’s to engage into a meaningful conversation with anchor and their stressed spokes / dealers / distributors for smooth recovery of dues. This would also include calibrated approach and use of various levers to recover dues such as initiation of Stop Supply, invocation of FLDG, filling Cheque dishonor U / s 138 of NI Act.
• Part of Early Warning calls / teams and updating stakeholders on account strategy to recover the dues.
• Provide inputs on defining strategy to minimize NPAs and maximize recoveries
• In the advisory role, to be part of meeting with top management of the client and also be part of client inspection and factory visits with view to having strong intelligence on the company.
• Working closely with internal recovery team post NPA classification for appropriate reporting’s, recovery of the loan amount.
• Maintain and provide MIS for the management to enable effectively assess and monitor delinquent accounts
• Develop understanding of Bank’s SME lending programs ,internal guidelines, RBI guidelines, MAS and other regulatory & governance guidelines.
• To comply with the Bank’s process & policies and ensure positive ratings during all Country / Group audits

Job Duties & responsibilities :

Education / Preferred Qualifications

Premier Institute Graduate / MBA / CA

Core Competencies

Technical Competencies

Work Relationship

DBS India - Culture & Behaviors

Primary Location

India-Maharashtra-Mumbai

Operations

Schedule

Regular

Employee Status

Full-time : Job Posting

Jul 7, 2025, 2 : 30 : 00 AM