Senior Associate, Specialist, Credit Approval, Risk Management Group

DBS Bank; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

DBS Bank in Mumbai invites a seasoned banking professional to join the Risk Management team as a credit risk specialist for the SME segment. You will support Credit Approvers, evaluate lending proposals, and ensure policy adherence across the portfolio.

The role requires strong financial analysis, knowledge of RBI/MAS guidelines, and the ability to monitor portfolios and ensure timely delinquency resolution with attention to regulatory compliance and turnaround times.

Qualifications

• 6 to 17 years of 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 that govern credit dispensation, including Loan Grading and Asset Classification regulations.

Responsibilities

• Review of credit proposals originating from PAN India and highlight info gaps, key risk issues.
• Portfolio monitoring / tracking & escalation of adverse events in company/industry.
• Track delinquency levels and ensure follow up to regularise overdues on a time-bound basis.
• Ensure compliance with Bank’s internal credit policy and regulatory guidelines for the SME segment.
• Ensure compliance with benchmark Turnaround Time.

Skills

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Education

Postgraduate degree in finance/related field

Job description

Job Purpose

• 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 Responsibilities

• 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 Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
• Ensure compliance with the benchmark Turnaround Time

Experience

Indicate nature and extent of work experience including number of years required, if applicable.

• 6 to 17 years of 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 his previous assignments.

Location

Mumbai

Job

Risk Management

Schedule

Regular

Employee Status

Full time