Senior Associate, Specialist, Credit Approval, Risk Management Group

DBS Bank Australia; Mumbai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

DBS Bank in Mumbai seeks a Senior Associate, Specialist in Credit Approval to support credit approvers and implement SME policy. You will analyze bank statements, assess risks, and ensure adherence to RBI and MAS guidelines while maintaining key controls and timely turnaround.

The role requires 5–7 years in banking, strong analytical and presentation skills, and a deep knowledge of corporate banking products and SME markets. Mumbai-based, full-time with regulatory compliance focus.

Qualifications

• 5–7 years of banking experience, preferably in SME or credit departments.
• Solid understanding of RBI regulations and credit provisioning.
• Experience with bank statement/GST-based evaluation methods and credit analysis.

Responsibilities

• Review credit proposals from PAN India and identify information gaps and key risk issues.
• Monitor portfolio performance and escalate adverse events to front line as needed.
• Ensure compliance with internal credit policy and regulatory guidelines for SME segment.

Skills

Analytical skills

Presentation skills

Interpersonal skills

Industry knowledge

Credit evaluation

Banking knowledge

Risk management

Education

Postgrad degree in finance

Tools

Credit evaluation tools

Job description

## Senior Associate, Specialist, Credit Approval, Risk Management GroupApplylocations: Mumbaitime type: Full timeposted on: Posted Todayjob requisition id: WD86499**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 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 Bank?s 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 his previous assignments.**Location:**Mumbai**Job:**Risk Management**Schedule:**Regular**Employee Status:**Full time