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

DBS Bank Ltd; New Delhi; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

DBS Bank Ltd in New Delhi is seeking a Relationship Manager for the SME/Business Banking segment. You will source asset relationships up to 25 Crore, align with lending policy, and drive revenue through cross-selling Asset, Trade, Cash and Treasury products.

The role requires 3–5 years in sales within SME/Business Banking, with 2–3 years in Working Capital sales, and a proven asset sales track record. You will maintain diligent portfolio monitoring and renewals while engaging local business

Qualifications

• Overall 3–5 years of sales experience in SME/Business Banking.
• 2–3 years experience in SME/Business Banking Lending sales.
• 2–3 years experience in Working Capital sales.
• Proven asset sales track record in the SME segment.

Responsibilities

• Source new to bank asset relationships within IBG 4 up to T/O of 25 Crore, aligned to Lending Policy.
• Cross-sell Asset, Trade, Cash and Treasury products actively.
• Ensure timely renewals and proper due diligence during onboarding and account planning.
• Monitor portfolio and report early warning signals to credit and operations teams.

Skills

Excellent Communication & Listening

Good Sales & Negotiation

Working Capital Finance Knowledge

Education

Bachelor's in Finance / Economics / Commerce or MBA or CA

Job description

Key Accountabilities

Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy Ensure a good Net Interest Income as well as fee across the portfolio and also 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 Portfolio and maintaining the delinquencies at NIL. Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4-Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio. Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events. To comply with the Bank’s process & policies and ensure positive ratings during all Country / Group audits

Job Duties & responsibilities

Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team. Cross Sell of Asset, Trade, Cash and Treasury Product actively. To achieve the individual Budgeted revenues through all product parameters Conduct Proper Due diligence while on-boarding New Asset Relationships. On board clients with a clear account plan highlighting the revenue potential, risks and mitigants. Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank. Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client’s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified. Thorough monitoring of accounts sourced and keep track on customer’s business and report any early warning signals. Ensure Timely Renewals of Accounts. Ensure that the covenants and conditions prescribed by the credit team are consistently met. Adherence to strict KYC/AML requirements. MIS to be provided to the central team for further reporting, within the stipulated guidelines. Timely Completion of Learning Programs as assigned by DBS for time to time To comply with the Bank’s process & policies. To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA's, Influencer's and Industry association to be updated on the current market practice and local intelligence. To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval.

Requirements

Overall 3- 5 years of experience in sales. 2-3 years of sales experience in SME/Business Banking Lending. 2-3 years experience in Working Capital sales and service portfolio 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 reference to customer preferences and requirement is preferred.

Education / Preferred Qualifications

Bachelors in finance / Economics/Commerce or MBA or CA

Core Competencies

• Excellent Communication & Listening Skills
• Good Sales & Negotiation Skills

Technical Competencies

• Working Capital Finance Knowledge

Working Relationship Manager / Direct Report DBS India - Culture & Behaviors

DBS is committed to building a culture where all employees are valued, respected and their opinions count. We took 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 Propositions
• Ensure Customer Focus by Delighting Customers & Reduce 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.

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Location: New Delhi

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.