Senior Associate, Specialist, Credit Analyst, Institutional Banking Group

China, Beijing Branch; Ahmedabad District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

DBS India in Ahmedabad district seeks an experienced corporate banking professional to manage credit portfolios and support client onboarding. You will prepare credit proposals, coordinate with Relationship Managers, and assist in KYC/documents while ensuring regulatory compliance.

Role requires strong analytical skills, attention to detail, and the ability to cross-sell products to enhance wallet share. Suitable for candidates with 5+ years in Corporate Banking and familiarity with RBI/MAS

Qualifications

• MBA or CA with relevant banking experience.
• Strong analytical and numerical skills.
• Ability to work under pressure and meet deadlines.

Responsibilities

• Prepare accurate credit proposals in a concise, lucid manner.
• Maintain close working relationship with Business Unit to ensure deliverables are met.
• Assist RM in onboarding/KYC reviews and documentation.
• Cross-sell banking products such as trade, cash, and FX.
• Monitor portfolio for irregularities, delinquencies and breaches.
• Ensure regulatory reporting and compliance; support audits.

Skills

Credit analysis

Relationship management

Regulatory knowledge

Financial modelling

Education

MBA or CA

Tools

MS Excel

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

Preparation and submission of Credit Memos to CCGCompletion of documentation formalities in coordination with the client & CCUAssisting RM in completing client onboarding/KYC reviews, Legal & Valuation reportsFollow up for regularization of overduesClient servicing in coordination with internal units.Highlighting any early warning signs of the portfolio to the RMsManage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products and help the team in detecting early warning signals in their portfolios.

Key Accountabilities

• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Business Unit to ensure that IBG deliverables are met.
• Need-based meeting with customers to understand business and attendant risks.
• Cross sell of other products such as trade, cash, foreign exchange etc.
• To monitor portfolio for irregularities/ excesses/ breaches/ delays.
• Ensure all regulatory reporting & compliance are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal audits.
• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
• Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
• Monitor levels of complaints and quality of handling.
• 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.
• Monitor and ensure adherence to risk service standards

Job Duties & responsibilities

• Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS.
• Providing concise and relevant financial analysis by clearly identifying risks.
• Ensure reviews are completed prior to due date and are error free.
• Interact and follow up with clients on required information and clarifications.
• Adhere to the risk management guidelines of DBS, MAS and RBI.
• Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio.
• Control and manage the risk profile for the overall Team portfolio.
• Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets.
• Develop Account Relationship Plans for customers in portfolio.

Required Experience

• Overall 5+ years of experience .
• Knowledge of competitors and market
• Market knowledge and experience in the IBG 1/2 segment, with reference to customer preferences and requirement would be preferable.

Education / Preferred Qualifications

An MBA or CA with relevant number of years of experience in Corporate Banking

Core Competencies

• Good written and verbal communication skills
• Good Analytical skills.
• Self-driven and highly ambitious
• Results-orientated & the ability to handle pressure
• Relationship building & management skills
• Understanding of competitor products
• Comfortable with tight deadlines

Technical Competencies

• Sound understanding of asset products and associated technology platforms and operational procedures
• Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.
• Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

Work Relationship

Close interaction with RMs / Branch Manager to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets.

Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer.

DBS India - Culture & Behaviors

DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are:

Demonstrate Business Performance through PRIDE 2.0 Value B