Analyst, Relationship Manager, Credit Program Small, Small Medium Enterprises

DBS Bank Ltd; Jaipur; On-site; INR 900,000 - 1,500,000; Full time

Job summary

DBS Bank Ltd in Jaipur is seeking a Relationship Manager to acquire, manage, and grow dealer relationships in auto, CV, PV, and allied segments, focusing on working capital and inventory financing solutions while maintaining portfolio quality. You will onboard dealers, build OEM and distributor ties, drive disbursement targets, oversee credit coordination, and ensure compliance.

The role demands strong negotiation, credit appraisal, and market insight to optimize limits and cross-sell

Qualifications

• Minimum 5 years in Dealer Finance / Auto Loans / SME Lending.
• Prior experience with banks / NBFCs preferred.
• Knowledge of OEM-dealer ecosystem and market trends.
• Local market knowledge and dealer network.

Responsibilities

• Source and onboard new automobile dealers for dealer finance facilities.
• Build relationships with OEMs, distributors, and dealer principals.
• Achieve disbursement, revenue, and AUM targets.
• Identify cross-sell opportunities (CASA, insurance, working capital).
• Coordinate credit, operations, and legal teams for proposals.
• Monitor portfolio quality, delinquency control, and renewals.
• Maintain dealer portfolio through timely renewals and reviews.
• Track market trends and provide feedback on product features and pricing.

Skills

Relationship management

Negotiation

Credit appraisal

Financial analysis

Inventory funding

Dealer ecosystem knowledge

Communication skills

Education

MBA preferred

Graduate in any discipline

Job description

Job Purpose To acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions to automobile, tractor, commercial vehicle, two-wheeler, and equipment dealers, while ensuring portfolio quality and compliance.

Key Responsibilities

Business Development & Acquisition Source and onboard in the targeted ecosystem new automobile dealer CV / PV / STEEL dealers for dealer finance facilities. Build strong relationships with OEMs, distributors, and dealer principals. Achieve disbursement, revenue, and AUM targets as per business plan. Identify cross-sell opportunities (CASA, insurance, working capital , etc.). Relationship Management Act as the primary point of contact for assigned dealer portfolio. Maintain long-term relationships to ensure repeat business and portfolio growth. Address dealer queries related to limits, drawdowns, repayments, and documentation. Credit & Operations Coordination Collect and verify KYC, financials, stock statements, and other credit documents. Prepare credit proposals and coordinate with credit, operations, and legal teams. Ensure timely renewal, enhancement, and review of limits. Monitor inventory funding, stock audits, and utilization of limits. Portfolio & Risk Management Monitor dealer account performance and early warning signals. Ensure timely collections, overdue follow-ups, and delinquency control. Adhere to credit policies, compliance norms, and audit requirements. Maintain portfolio quality within prescribed delinquency levels. Market & Industry Intelligence Track local market trends, OEM schemes, dealer sales cycles, and competition. Provide feedback on product features, pricing, and process improvements.

Key Performance Indicators (KPIs)

NTB Disbursement & AUM growth Number of new dealer acquisitions Portfolio quality (DPD / NPA levels) Yield & fee income Renewal & retention ratio

Education

Graduate in any discipline (MBA preferred)

Requirements

Necessary experience minimum 5 yrs in Dealer Finance / Auto Loans / SME Lending Prior experience with banks / NBFCs preferred Graduate in any discipline (MBA preferred) Track local market trends, OEM schemes, dealer sales cycles, and competition. Knowledge of OEM-dealer ecosystem Experience handling automobile, CV, PV, STEEL dealer portfolios Local market knowledge and dealer network Skills & Competencies Strong relationship management and negotiation skills Understanding of dealer finance products and inventory funding Credit appraisal and financial analysis skills Knowledge of OEM-dealer ecosystem Good communication and coordination abilities

Preferred

Background Experience handling automobile, CV, PV, STEEL dealer portfolios Exposure to stock audits, dealer renewals Local market knowledge and dealer network

Location

Jaipur

Job: Relationship Management Schedule: Regular Employee Status: Full time

DBS is more than a bank — we’re shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the frontier of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.