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

DBS Bank Ltd; Bengaluru; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

DBS Bank Ltd in Bengaluru is seeking a seasoned Relationship Manager for dealer finance to acquire and grow an extensive dealer network. The role focuses on working capital and inventory funding, while ensuring risk controls and compliance across the portfolio.

You will build strong OEM and dealer relationships, drive disbursement and revenue growth, and identify cross-sell opportunities for CASA, insurance, and working capital. Strong credit and analytical skills are essential.

Qualifications

• Minimum 5 years in Dealer Finance / Auto Loans / SME Lending.
• Prior experience with banks / NBFCs preferred.
• Graduate in any discipline (MBA preferred).

Responsibilities

• Acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions.
• Build strong relationships with OEMs, distributors, and dealer principals.
• Achieve disbursement, revenue, and AUM targets as per the business plan.
• Identify cross-sell opportunities (CASA, insurance, working capital, etc.).
• Coordinate credit proposals with credit, operations, and legal teams; support timely renewals and reviews of limits.
• Monitor portfolio quality and ensure delinquency control within policy.

Skills

Relationship management

Dealer finance

Credit analysis

OEM-dealer ecosystem

Communication

Education

MBA preferred

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: Bangalore

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 forefront 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.