Senior Associate, Credit Approval, Risk Management Group

DBS Bank Ltd; Mumbai; Vor Ort; INR 900.000 - 1.500.000; Vollzeit

Zusammenfassung

DBS Bank Ltd in Mumbai seeks a risk management professional to support Credit Approvers in implementing SME policy and ensuring robust credit controls. You will help the business lines grow while maintaining portfolio health and complying with RBI/MAS guidelines.

Key duties include reviewing lending proposals, monitoring portfolio performance, flagging risk issues, ensuring timely follow-up with borrowers, and enforcing internal policy standards across PAN India to keep NPL targets achievable.

Qualifikationen

• 5–7 years of banking experience, preferably in SME or credit departments.
• Strong knowledge of RBI regulations and credit dispensation guidelines.
• Ability to analyze financial statements and assess credit risk.
• Experience with surrogate credit evaluation methods (bank statements, GST).

Aufgaben

• Review credit proposals from PAN India and identify information gaps and key risk issues.
• Monitor portfolios and escalate adverse events.
• Track delinquency levels and ensure timely follow-up with front-end/borrower.
• Ensure compliance with internal credit policy and regulatory guidelines for SME segment.
• Adhere to benchmark Turnaround Time for credit decisions.

Kenntnisse

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Ausbildung

Postgraduate degree in business/finance

Tools

Bank statement analysis

Jobbeschreibung

• To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
• To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
• To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
• Approve judiciously as and when DOA is granted
  
  

Job Purpose and Requirements :

• To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
• To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
• To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
• Approve judiciously as and when DOA is granted
  
  

Key Accountabilities :

• To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
• To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
  
  

Job Duties and Requirements:

• Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.
• Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
• Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
• Ensure meticulous compliance with Banks internal credit policy as well as regulatory guidelines for the SME segment.
• Ensure compliance with the benchmark Turnaround Time
  
  

Experience

• 5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating.
  
  

Education:

Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.

Core Competencies:

• Good analytical skills
• Good presentation skills
• Good interpersonal skills
• Good knowledge of industries/sectors
  
  

Technical Competencies

• Sound knowledge of financial statement analysis and accounting policies/practices.
• Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
• Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
• Knowledge of corporate banking products
• Knowledge of SME market and preferably should have had approval authority in previous assignments /0rganisation
  
  

Location:

Mumbai

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time