Officer, Branch Relationship Manager, Growth, Consumer Banking Group

China, Beijing Branch; Erode; On-site; INR 600,000 - 900,000; Full time

Job summary

DBS Bank in India seeks a dynamic banking professional to drive NTB client acquisition with high-AUM targets, while strengthening relationships and cross-selling DBS products. The role emphasizes proactive market engagement, superior customer service, and adherence to regulatory processes.

The ideal candidate has a background in banking, strong relationship skills, and knowledge of RBI/KYC/AML policies, with a focus on delivering results in a competitive local market.

Qualifications

• Minimum 2 years in reputed bank with banking products proficiency.
• MBA preferred but not mandatory.
• Graduate with 10+2+3 years of education.
• AMFI/IRDAI/FEDAI with BCSBI certification would be an added advantage.
• Strong relationship management and influencing skills.
• Deep knowledge of local market and competition.
• Understanding RBI guidelines and KYC/AML policies.
• Self-driven, ambitious with good communication and results orientation.

Responsibilities

• Acquire NTB clients with AUM ≥ INR 1 million using a need-based approach.
• Drive acquisition momentum through sourcing, market penetration, and networking.
• Manage customer satisfaction and service levels with internal DBS teams.
• Own NTB acquisition and upgrade clients into Treasures segment.
• Build an acquisition pipeline via self-sourcing, referrals, and walk-ins.
• Deepen wallet share by retaining and growing AUM.
• Meet monthly and annual volume and revenue objectives.
• Activate e-Channels and Savings growth for new/existing clients.
• Ensure compliance with DBS sales process and risk reviews.

Skills

Relationship Management

Banking Products

Customer Service

Communication Skills

KYC/AML Awareness

Local Market Knowledge

Sales & Cross-sell

Education

MBA (not mandatory)

Graduate (10+2+3 years)

AMFI/IRDAI/FEDAI with BCSBI

Job description

Business Function

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business - they were made just for you.

Responsibilities

• To deliver exceptional volume and revenue performance with a primary focus on acquiring new-to-bank (NTB) DBS clients having an AUM ≥ INR 1 million through a "need-based approach,” while also engaging and growing existing clients.
• To drive sustained acquisition momentum through active sourcing, local market penetration, and network building, and ensure client coverage and product penetration via cross-sell and up-sell of DBS products and services.
• To manage & maintain the highest customer satisfaction and service levels through proactive client engagement & relationship management, coordinating internally with DBS Service, Distribution, and Product teams.
• Primary ownership of NTB acquisition: Consistently acquire and upgrade quality clients in the branch catchment with a strong focus on sourcing new affluent clients into the Treasures segment.
• Build and execute a robust acquisition pipeline through self-sourcing, referrals, branch walk-ins, local area prospecting, corporate and community engagement.
• Engage with existing customers to deepen the wallet share through retention and growth of AUM.
• Accountable for achieving monthly & annual volume and revenue objective, as agreed.
• Ensure activation of e-Channels (I-Banking / M-Banking/ Online MF/Debit Card) and Savings Book growth for both newly acquired and existing clients.
• Ensure proper implementation & execution of product strategies through effective relationship management.
• Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions
• Ensure optimum product mix and new- to- product clients aimed at customer level profitability and enhancing client coverage.
• Drive and deliver exemplary customer service in the local market and uphold DBS service standards.
• Ensure internal and regulatory compliance through strict adherence to DBS sales process, timely risk reviews and exercising due diligence while on-boarding.
• Ensure exemplary service delivery of these clients by building appropriate workflows and processes incl. doorstep banking etc.
• Establish DBS as the primary banker for newly acquired clients and strengthen its position as a prominent banking provider through consistent acquisition and superior service delivery.
• Establish, manage and grow the AUM of mapped Client segment by acquiring and nurturing the client having AUM => INR 1 M
• Ensure complete knowledge of all products & services through continuous skill and knowledge improvement.
• Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy.
• Coordinate and work closely with CBG colleagues, Service teams, Product specialist to ensure that team objectives are met through an environment that nurtures harmony and collaboration through teamwork
• Work closely with the Line Manager and City / Cluster Head to ensure achievement of common team and Branch objectives.
• Ensure internal and regulatory compliance and address operational risks if any, e.g. Health & Safety standards, security of premises, AML / KYC and ongoing risk reviews.
• To exercise appropriate due diligence while on-boarding and engaging with clients.
• Establish DBS as a primary banker for clients and as a prominent banking provider in India.

Requirements

• Minimum 2 years of experience in a reputed bank and proficient in banking products
• Preferably MBA (not mandatory)
• Mandatory - Graduate (10+2+3 years of education)
• AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage
• Strong Relationship Management and influencing skills
• Strong service orientation, customer-centric behavior
• Effective probing and listening skills.
• Self-driven and ambitious.
• Good written and verbal communication skills
• Results-orientated & the ability to deliver results under pressure
• In-depth knowledge of local market and competition.
• Understanding of competitive positioning
• Focused on developing image and goodwill of the brand
• Creative, inquisitive mind with problem solving abilities
• Ability to deliver results within tight timelines
• Attention to details, analyzing abilities
• Understanding of HNI Sales/ wealth management product suite, platforms and operational procedures
• Understanding of banking and para-banking guidelines issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general.
• Understanding of KYC requirements & Anti-money Laundering Policies.
• Knowledge of