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

DBS; Kolkata District; On-site; INR 900,000 - 1,300,000; Full time

Benefits offered by this job

DBS branding and career growth

Job summary

DBS Kolkata seeks a Relationship Manager to acquire and grow a diversified asset portfolio within the IBG4 segment, targeting mid-market companies with turnover from INR 25 crores to 600 crores, generating revenue from assets, trade, cash, treasury and fees.

You will onboard clients, ensure strict KYC/AML adherence, and collaborate with risk and operations to sanction and disburse facilities while aiming for portfolio profitability and balanced risk.

Qualifications

• 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.

Responsibilities

• Source new to bank asset relationships within IBG4 segment.
• Cross-sell liability, trade, cash and treasury products.
• To achieve the individual Budgeted revenues through all product parameters.
• Conduct proper due diligence while onboarding new asset.
• On-board clients with a clear account plan highlighting revenue potential, risks and mitigants.
• Adherence to strict KYC/AML requirements.
• MIS to be provided to the central team for reporting.
• Timely completion of learning programs as assigned by DBS.

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 that are 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 Policy
• Ensure 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 business
• Ensure 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 parameters
• Conduct Proper Due diligence while on-boarding New Asset
• On 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 time
• To 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 place understanding of the SME Sector Market 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 place Market 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 Knowledge Work Relationship Manager /Direct Report

Location: Kolkata-DBIL

Job: Relationship Management

Schedule: Regular

Employee Status: Full time

DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.