Analyst, Channel Relationship Manager, Small Medium Enterprises

DBS Bank; Pune District; On-site; INR 30,000 - 60,000; Full time

Benefits offered by this job

Competitive salary and benefits package

Professional development opportunities

Job summary

A leading bank is seeking an Analyst, Channel Relationship Manager to manage a diversified portfolio within the IBG 4 segment in Pune. The ideal candidate will have 3-5 years of sales experience, especially in SME/business banking, and possess excellent communication and negotiation skills. Responsibilities include sourcing new asset relationships and ensuring compliance with bank policies. This full-time role offers a competitive salary and supports professional development.

Qualifications

• 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 segment.

Responsibilities

• Acquire and build a diversified portfolio within the IBG 4 segment.
• Source new asset relationships and ensure a good net interest income.
• Cross-sell liabilities, trade, cash and treasury products.

Skills

Sales experience in SME/business banking lending

Excellent communication and listening skills

Good sales and negotiation skills

Education

Bachelor’s in finance, economics, commerce or an MBA or CA

Tools

Working capital finance knowledge

Job description

Analyst, Channel Relationship Manager, Small Medium Enterprises

Join to apply for the Analyst, Channel Relationship Manager, Small Medium Enterprises role at DBS Bank

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 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

• Source new to bank asset relationships within the IBG 4 segment up to a turnover of 100 crore, aligned to the bank lending policy.
• Ensure a good net interest income as well as fee across the portfolio and 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 the portfolio and maintain delinquencies at NIL.
• Implement and execute the IBG4 business strategy to increase market share and achieve targets consistent with IBG4 top‑line and bottom‑line objectives, focusing on a diversified portfolio and reducing concentration risk.
• Build DBS brand value and enhance the network in the location through marketing activities, collaborations and events.
• Comply with the bank’s processes and policies and ensure positive ratings during all country and group audits.

Job Duties & Responsibilities

• Source new to bank asset relationships within the IBG 4 segment up to a turnover of 25 crore, aligned to the bank lending policy, and also ensure sanction and disbursement in liaison with the customer, risk and operations teams.
• Cross‑sell liabilities, trade, cash and treasury products actively.
• Achieve the individual budgeted revenues through all product parameters.
• Conduct due diligence while onboarding new asset relationships.
• Onboard clients with a clear account plan highlighting revenue potential, risks and mitigants.
• Increase wallet share with customers by constantly exploring cross‑sell opportunities.
• Continuously monitor the portfolio and ensure timely renewals, providing regular feedback to the credit and portfolio teams about developments in the client’s business.
• Thoroughly monitor sourced accounts and track the customer’s business, reporting early warning signals.
• Ensure timely renewals of accounts.
• Ensure that covenants and conditions prescribed by the credit team are consistently met.
• Adhere to strict KYC/AML requirements.
• Provide MIS to the central team for further reporting within the stipulated guidelines.
• Complete learning programmes as assigned by DBS in a timely manner.
• Remains in touch with local business stakeholders including existing and prospective clients, market leaders, CA’s, influencers and industry associations to stay updated on current market practice and local intelligence.
• Submit material information about business opportunities and industry/customer risk to senior functional management at regular intervals.

Requirements

• 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 insight into customer preferences and requirements.

Education / Preferred Qualifications

• Bachelor’s in finance, economics, commerce or an MBA or CA.

Core Competencies

• Excellent communication and listening skills, good sales and negotiation skills.

Technical Competencies

• Working capital finance knowledge.

Work Relationship

• Manager / Direct report.

DBS India – Culture & Behaviours

• Demonstrate business performance through PRIDE 2.0 value‑based propositions.
• Ensure customer focus by delighting customers and reducing 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.

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 – Pune – DBIL

Job

Relationship Management

Schedule

Regular

Job Type

Full‑time