Business Function
Institutional Banking Group 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. The Relationship Manager will be responsible for selling these products and services to existing and new customers.
Job Purpose
To support Relationship Management teams in the following activities :
- Preparation and submission of Credit Memo to CCG
- Completion of documentation formalities in coordination with the client & CCU
- Assisting RM in completing Legal & Valuation reports
- Follow up of overdue for regularization
- Client servicing in coordination with internal units
- Highlighting any early warning signs of the portfolio to the RMs
- Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other transaction banking products and help the team in detecting early warning signals in their portfolios
Key Accountabilities
To prepare accurate credit proposals in a consistent, concise and lucid mannerTo maintain close working relationship with Business Unit to ensure that IBG deliverables are metNeed-based meeting with customers to understand business and attendant risksCross sell of other products such as trade, cash and foreign exchangeTo monitor portfolio for irregularities / excesses / breaches / delaysEnsure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal auditsEnsure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaintsControl and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policiesMonitor levels of complaints and quality of handlingCommunicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changesMonitor and ensure adherence to risk service standardsJob Duties & Responsibilites
Preparing spreads which are consistent, error-free and in line with classification parameters used in DBSProviding concise and relevant financial analysis by clearly identifying risksEnsure reviews are completed prior to due date and are error freeInteract and follow up with clients on required information and clarificationsAdhere to the risk management guidelines of DBS, MAS and RBIEnsuring that irregularities / excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolioControl and manage the risk profile for the overall Team portfolioManage performance against key financial (risk-adjusted contribution) sales, service and operational targetsDevelop Account Relationship Plans for customers in portfolioRequired Experience
Overall, 5-8 years of experience in sales / sales support activities2 - 3 years of sales experience in business banking and / or cash managementProven sales track record in asset business in the SME / Business Banking segmentKnowledge of competitors and marketplaceMarket knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferableEducation / Preferred Qualifications
An MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the Mid-Market Banking segment.
Core Competencies
Good written and verbal communication skillsGood Analytical skillsSelf-driven and highly ambitiousResults-orientated & the ability to handle pressureRelationship building & management skillsUnderstanding of competitor productsComfortable with tight deadlinesTechnical Competencies
Sound understanding of asset products and associated technology platforms and operational proceduresUnderstanding of regulatory guidelines on banking policies issued by MAS / RBI / SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are criticalKnowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clientsWork Relationship
Close interaction with RMs / Branch Managers to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targetsClose interaction with various stakeholders to ensure consistent and reliable service delivery to the customerDBS 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
Demonstrate Business Performance through PRIDE 2.0 Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS' ReputationEnhance Self Knowledge, Skills and develop Competencies aimed at continuous improvementMaintain the Highest Standards of Honesty and IntegrityPrimary Location
India-Haryana-Gurgaon-DBIL
Job
Risk Management
Schedule
Regular
Job Type
Full-time
Job Posting
Oct 15, 2025, 2 : 30 : 00 AM
Skills Required
Financial Analysis, Client Servicing
