Senior Associate, Credit Approval, Risk Management Group

DBS Bank Ltd; Mumbai; On-site; INR 800,000 - 1,100,000; Full time

Job summary

DBS Group Holdings Ltd in Mumbai seeks a Senior Associate in Credit Approval within the Risk Management Group. You will provide credit support to Credit Approvers, establish controls for SME segments, and help lines grow while keeping NPLs within target.

The role requires 5–7 years in banking with SME/credit experience, knowledge of RBI/MAS guidelines, and strong analytical and communication skills. Based in Mumbai, full-time position.

Qualifications

• 5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating.
• Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.
• Knowledge of RBI Regulations/MAS guidelines governing credit dispensation.
• Experience with credit proposals across PAN India and portfolio monitoring.
• Understanding of credit policy compliance and turnaround times.

Responsibilities

• Review credit proposals originating from PAN India and 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 follow up with front end /borrower to regularise overdues.
• Ensure meticulous compliance with Banks internal credit policy as well as regulatory guidelines for SME segment.
• Ensure compliance with the benchmark Turnaround Time

Skills

Financial statement analysis

Credit evaluation methods

Bank statement analysis

RBI regulations knowledge

GST-based evaluation

Industry risk assessment

Analytical skills

Education

Professional qualification or postgraduate degree in business/finance

Job description

Senior Associate, Credit Approval, Risk Management Group### Senior Associate, Credit Approval, Risk Management GroupApply: Mumbai: Full time: Posted Today: WD90555**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