Associate, Relationship Manager, Corporate Banking, Institutional Banking Group

DBS Bank; Gandhinagar; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

DBS Bank, Gandhinagar, India, seeks a Relationship Manager in the Institutional Banking Group to manage corporate clients, drive cross-sell of cash management, trade finance, and credit products, and maintain strong risk controls.

You will coordinate with product teams in India and overseas, perform KYC and risk assessments, and build long-term relationships with key decision-makers.

Qualifications

• 5–7 years of corporate banking experience preferred.
• MBA or CA with banking exposure is desirable.
• Strong relationship-building and client-servicing capabilities.

Responsibilities

• Manage a portfolio of corporate clients and drive wallet share.
• Assess risk and ensure compliance with KYC/AML standards.
• Cross-sell cash management, trade finance, and other DBS products.
• Collaborate with product teams in India and overseas to meet client needs.
• Develop client relationship plans and monitor performance against targets.

Skills

Strong selling & negotiation

Excellent diagnostics

Excellent communication

Excellent comprehension

Education

MBA or CA with banking experience

Job description

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 manage and sustain a portfolio of Corporate customers building long term relationships founded on efficient and reliable support for their business To work with product groups and other colleagues both in India and overseas to build our Local large corporate client base and enhance wallet share from both new and existing customers Risk assessment of facility clients in the form of continuous monitoring writing memos working through the approval process and working with RMG Operations product groups etc to ensure seamless delivery to the client Perform KYC for NTB clients and support CIF creation account opening Perform Re-KYC periodic reviews for existing clients

Key Accountabilities

• Relationship Manager responsible for a portfolio of corporate clients
• Manage relationships through constant interaction account mapping at varied levels in client organizations while ensuring a risk-adjusted portfolio contribution
• Determine the products that are most effective in meeting customer s needs and be able to sell these both reactively and proactively
• Customize adapt develop new products to increase profitability reduce costs ease operational bottlenecks
• Implement execute IBG business strategy to increase market share to achieve targets consistent with IBG s revenue ROE Cost Income ratio targets
• Cross sell other products of the bank including cash treasury trade others
• Ensure the highest customer retention increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS tracking of operations complaints
• Ensure all regulatory reporting compliances are enforced
• Also ensure assistance to external internal auditsDevelop the DBS brand in the region Research different identified appropriate market segments including analysis of key requirements for each segment Build and develop a high performing team through embedding performance development and coaching Create an empowering environment for the team encouraging individual ownership and initiative Ensure coaching and feedback in order to achieve their maximum potential Make reward decisions within set guidelines

Job Duties Responsibilities

• Primary contact at CEO Finance Director and Treasurer level in Corporates controlling offices discussing inter alia customer needs service reviews and credit risk issues Advises and debates how business finances could be structured in the short-term and medium long term
• Grow the team s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives
• Control and quality of the portfolio using available triggers and adherence to Risk management guidelines and policies
• Formulate business development strategies and objectives to meet changing market needs
• Develop prioritized target list structured client calling plans in place and formulate client action plans
• Monitor conformance of team using new relationship development procedures
• Monitor results of customer surveys against target service quality standards
• Monitor levels of complaints and quality of handling
• Proactively researches competitive threats opportunities within the team s market and geographical area
• Ensure that quality proposals are submitted to the credit chain
• Communicates all key messages to customers including agreed service standards negotiated pricing relationship team contact points including introductions to new personnel and new product changes
• Keep customers advised on the expected delivery date for product credit applications
• Monitors and ensures adherence to risk service standards
• Develops and maintains a detailed knowledge of industry sectors within the customer portfolio
• Control and manage the risk profile for the overall Team portfolio
• Manages performance of the team against key financial risk-adjusted contribution sales service and operational targets
• Manage segmentation of the portfolio
• Develop Customer Relationship Plans for customers in portfolio

Required Experience

• Overall 5-7 years of experience in corporate banking experience managing corporates

Education

• An MBA or CA with relevant number of years of experience in banking is preferable

Core Competencies

• Strong selling and negotiation skills
• Excellent diagnostic skills and rigorous approach to problem solving
• Excellent communication skills at all levels
• Excellent comprehension skills to understand and interpret .