Business Clients Credit Advisor, AS

Deutsche Bank AG; Mumbai; On-site; INR 1,800,000 - 3,000,000; Full time

Benefits offered by this job

Best in class leave policy

Gender neutral parental leaves

Childcare assistance benefit

Certification sponsorship

Employee Assistance Program

Hospitalization Insurance

Accident and Term life Insurance

Health screening for 35 yrs and above

Job summary

Deutsche Bank AG in Mumbai is seeking a Business Clients Credit Advisor, Associate, to advise and support business clients with complex credit financing needs in line with regulatory requirements.

You will prepare credit submissions, assess risk and income perspectives, identify client needs, and propose tailored credit solutions while ensuring compliance across the credit life cycle. This is an individual contributor role within the Business Banking team.

Qualifications

• Excellent communication in English.
• Minimum qualification: Graduation.
• 8–12 years of experience in relevant field.
• Senior Banker with knowledge of investments, Wealth Management, Mutual Funds, PMS, Insurance.

Responsibilities

• Advise on credit solutions and assess loans from income and risk perspective within credit processes.
• Prepare credit submissions for approval and monitor credit exposures over the life cycle of the client relationship.
• Identify business clients’ credit needs and propose suitable products/services/solutions.
• Support efforts to gain new business and grow earnings from existing clients.
• Guide teams in developing bespoke products/solutions/platforms.
• Ensure regulatory compliance and KYC requirements are met.

Skills

Credit analysis

Client advisory

English proficiency

Cross-functional collaboration

Education

Graduation

Job description

Job Description:Job Title: Business Clients Credit Advisor, ASCorporate Title: AssociateLocation: Mumbai, IndiaRole DescriptionBusiness Banking is the liability business for Deutsche Bank present in 17 locations across India . This carters to a wide variety of population through its distinct channels like Personal banking, Private Banking and Business Banking.The primary objective is to enhance the value of the savings account portfolio through cross-sell, leading to increase in fee income, to add to that ensure acquisition of new clientele.What we’ll offer youAs part of our flexible scheme, here are just some of the benefits that you’ll enjoy,Best in class leave policy.Gender neutral parental leaves100% reimbursement under childcare assistance benefit (gender neutral)Sponsorship for Industry relevant certifications and educationEmployee Assistance Program for you and your family membersComprehensive Hospitalization Insurance for you and your dependentsAccident and Term life InsuranceComplementary Health screening for 35 yrs. and aboveYour key responsibilitiesBusiness Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes:Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processesBe responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationshipIdentifying business clients’ credit needs and proposing suitable products, services and/or solutionsSupporting efforts to gain new business and grow earnings potential from existing clients, e.g. at client conferencesAdvising and guiding teams in the development of bespoke products/solutions/platformsWorking with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clientsOptimal utilization of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirementsMaintaining and growing business contacts and leads in the lending businessCompliance with internal and credit-related regulations, e.g., QS audit results, KWG§18 etc.Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelinesYour skills and experienceCandidate should have excellent communication in English and well groomed.Minimum qualification required is Graduation.Minimum Experience should be 8 – 12 Years in relevant field.This is an individual contributor role. Need a Senior Banker, with good knowledge about investments, Wealth Management, Mutual Funds, PMS, Insurance. Acquisition of New to Bank clients.Proven ability to leverage AI tools to enhance productivity, optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.How we’ll support youTraining and development to help you excel in your career.Coaching and support from experts in your team.A culture of continuous learning to aid progression.A range of flexible benefits that you can tailor to suit your needs.About us and our teamsPlease visit our company website for further information:https://www.db.com/company/company.htmlWe strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.We welcome applications from all people and promote a positive, fair and inclusive work environment.