Analyst, Relationship Manager, Credit program small, Small Medium EnterprisesConfidential • Mumbai, India
Analyst, Relationship Manager, Credit program small, Small Medium Enterprises
Confidential • Mumbai, India
21 days ago
Job descriptionSource New to Bank Asset relationships within IBG 4 Segment up to T / O of 100 Crore, aligned to Bank Lending Policy 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 Play an instrumental role in increasing the Profitability of the Branch 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 To comply with the Bank's process & policies and ensure positive ratings during all Country / Group audits Source New to Bank Asset relationships within IBG 4 Segment up to T / O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team Cross Sell of Liability, Trade, Cash and Treasury Product actively To achieve the individual Budgeted revenues through all product parameters Conduct Proper Due diligence while on-boarding New Asset Relationships On board clients with a clear account plan highlighting the revenue potential, risks and mitigants Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank Constant Monitoring of the Portfolio and ensure Timely Renewals. 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 Thorough monitoring of accounts sourced and keep track on customer's business and report any early warning signals Ensure Timely Renewals of Accounts Ensure that the covenants and conditions prescribed by the credit team are consistently met Adherence to strict KYC / AML requirements MIS to be provided to the central team for further reporting, within the stipulated guidelines Timely Completion of Learning Programs as assigned by DBS for time to time To comply with the Bank's process & policies To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA's, Influencer's and Industry association to be updated on the current market practice and local intelligence 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 Overall 3- 5 years of experience in sales 2 years of sales experience in SME / Business Banking Lending 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 Bachelors in finance / Economics / Commerce or MBA or CA Excellent Communication & Listening Skills, Good Sales & Negotiation Skills Working Capital Finance Knowledge Manager / Direct Report Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS' Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity en
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
- To acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank
- The Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank
Key Accountabilities
Job Duties & Responsibilities
Requirements
Education / Preferred Qualifications
Core Competencies
Technical Competencies
Work Relationship
DBS India - Culture & Behaviors
DBS Is Committed To Building a Culture Where All Employees Are Valued, Respected And Their Opinions Count. We Take Pride In Providing a Workplace That Fosters Continuous Professional Development, Flexible Working, And Opportunities To Grow Within An Inclusive And Diverse Environment. Expected Value Driven Behaviors Are
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We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements .
Primary Location
India-Maharashtra-Mumbai
Job
Relationship Management
Schedule
Regular
Job Type
Full-time
Job Posting
Oct 30, 2025, 10 : 30 : 00 AM
Skills Required
Sales
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Relationship Manager • Mumbai, India
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