Senior Associate, Relationship Manager, Credit Program Medium, Small Medium Enterprises

DBS Bank Ltd; India; On-site; INR 1,200,000 - 2,100,000; Full time

Benefits offered by this job

Competitive salary and benefits

Job summary

DBS Bank Ltd is hiring a Relationship Manager in Pune (IBG 4 segment) to build a diversified asset portfolio and drive revenue through cross-sell of trade, cash, and treasury products. You will source new relationships, perform due diligence, ensure KYC/AML compliance, and coordinate with risk and operations to sanction disbursements.

The role requires 3–7 years of sales experience in SME/Business Banking, strong communication and negotiation skills, and a good market understanding of SMEs in

Qualifications

• 3–7 years of sales experience, preferably in SME/Business Banking.
• Proven track record in asset sales within SME/Business Banking.

Responsibilities

• Source new to bank asset relationships in IBG 4 segment with turnover targets.
• Cross-sell liabilities, trade, cash, and treasury products to achieve revenue targets.
• Ensure proper KYC/AML compliance and due diligence during onboarding.
• Collaborate with customers, risk, and operations to sanction and disburse.
• MIS reporting and regular updates to senior management.

Skills

Communication skills

Negotiation skills

Sales experience

Job description

Business Function

Corporate and Investment Banking 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. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region based on account relationship management, service differentiation, product development and rigorous credit standards.

Job Purpose

To acquire and build a well-diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank.

Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.

Key Accountabilities

Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, aligned to Bank Lending PolicyEnsure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc. Play an instrumental role in increasing the Profitability of the businessEnsure proper monitoring of Portfolio and maintaining the delinquencies at NIL. Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio.Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events.To comply with the Bank’s process & policies and ensure positive ratings during all Country / Group audits

Job Duties & responsibilities

Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.Cross Sell of Liability, Trade, Cash and Treasury Product actively.To achieve the individual Budgeted revenues through all product parametersConduct Proper Due diligence while on-boarding New AssetOn board clients with a clear account plan highlighting the revenue potential, risks and mitigants.Adherence to strict KYC/AML requirements.MIS to be provided to the central team for further reporting, within the stipulated guidelines.Timely Completion of Learning Programs as assigned by DBS for time to timeTo comply with the Bank’s process & policies.To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA’s, Influencer’s and Industry association to be updated on the current market practice and local intelligence.To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval.

Requirements

Overall 3- 7 years of experience in sales.2-3 years of experience in working capital sales in SME/Business Banking.Proven sales track record in asset business in the SME/Business Banking segment.Knowledge of competitors and market placeunderstanding of the SME SectorMarket knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.

Education / Preferred Qualifications

Overall 3- 7 years of experience in sales.2-3 years of sales experience in SME/Business Banking Lending.Proven sales track record in asset business in the SME/Business Banking segment.Knowledge of competitors and market placeMarket knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.

Core Competencies

Excellent Communication & Listening Skills, Good Sales & Negotiation Skills.

Technical Competencies

Working Capital Finance KnowledgeWork

Relationship Manager /Direct Report

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Location: Pune-DBIL

Job: Relationship Management

Schedule: Regular

Employee Status: Full time