Relationship Manager-IBG-Gift City

China, Beijing Branch; Gandhinagar; On-site; INR 900,000 - 1,500,000; Full time

Job summary

DBS Bank in India seeks a Relationship Manager for a corporate banking portfolio. You will manage key accounts, build long-term relationships, and drive wallet share across products such as cash management, working capital, and trade finance. You will collaborate with product teams in India and overseas to deliver seamless client support.

The role emphasizes KYC/re-KYC, regulatory compliance, and proactive client service to sustain growth and profitability in a dynamic market.

Qualifications

• MBA or CA with banking experience.
• 5-7 years corporate banking experience.
• Knowledge of credit proposals and market competition.

Responsibilities

• Manage a portfolio of corporate clients and build long-term relationships.
• Identify products to meet client needs and cross-sell effectively.
• Implement IBG strategy to increase market share and achieve targets.
• Ensure regulatory compliance and risk management across the portfolio.
• Develop client plans, segmentation, and structured calling plans.
• Monitor wallet share and portfolio performance with MIS insights.
• Provide clear, timely communications to clients about service standards and credit timelines.

Skills

Selling

Negotiation

Diagnostic skills

Education

MBA or CA

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 audits

Develop 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. Proven track record in the corporate & commercial banking Sound understanding of products Sound Understanding of credit proposals Knowledge of competitors and market place

Education / Preferred Qualifications

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 appr