Senior Associate, Relationship Manager, Credit Program Medium, Small Medium Enterprises

ConfidentialIndia, Nashik

4 days ago

Job description

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 healthy income with an acceptable risk to the bank
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank

Key Accountabilities

Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, 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 business

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

Job Duties & Responsibilities

Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, 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

On board clients with a clear account plan highlighting the revenue potential, risks and mitigants

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

Requirements

Overall 3- 7 years of experience in sales

2-3 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 market place

Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred

Education / Preferred Qualifications

Overall 3- 7 years of experience in sales

2-3 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 market place

Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred

Core Competencies

Excellent Communication & Listening Skills, Good Sales & Negotiation Skills

Technical Competencies

Working Capital Finance Knowledge

Work Relationship

Manager / Direct Report

Apply Now

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-Nashik

Job

Relationship Management

Schedule

Regular

Job Type

Full-time

Job Posting

Aug 18, 2025, 10 : 30 : 00 AM

Skills Required

Aml, Sales, Kyc

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Relationship Manager • India, Nashik