Senior Officer, Branch Relationship Manager, Consumer Banking Group

DBS Bank Australia; Kolkata District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

DBS Bank Australia is seeking a Senior Officer, Branch Relationship Manager, to manage and acquire SME relationships in Kolkata. This full-time role requires 3-5 years of sales experience, specifically in SME/Business Banking Lending, along with excellent communication and negotiation skills.

You will focus on sourcing new relationships, adhering to lending policies, and cross-selling various banking products. Join a team committed to shaping the future of finance and fostering lasting customer relationships.

Qualifications

• Minimum 3-5 years overall sales experience.
• At least 2 years of sales experience specifically in SME/Business Banking Lending.
• Proven sales track record in the asset business within SME/Business Banking.

Responsibilities

• Acquire and cultivate SME asset relationships.
• Cross-sell wealth, insurance, and fee-based products.
• Conduct due diligence during onboarding new asset relationships.

Skills

Sales experience in SME/Business Banking Lending

Strong sales and negotiation skills

Excellent communication and listening skills

Knowledge of Working Capital Finance

Education

Under Graduation in any degree

Job description

## Senior Officer, Branch Relationship Manager, Consumer Banking GroupApplylocations: Salt Lake, Kolkatatime type: Full timeposted on: Posted Todaytime left to apply: End Date: May 25, 2026 (8 days left to apply)job requisition id: WD84452DBS's Corporate, Consumer, and Investment Banking division offers a comprehensive suite of commercial banking products and services. These include cash management, current and time deposits, trade finance, working capital finance, term loans, and foreign exchange. Through our unwavering commitment, DBS has fostered enduring relationships with customers across the region, built on strong account relationship management, differentiated service, innovative product development, and rigorous credit standards.**Job Purpose**The Business Banking Relationship Manager will be responsible for acquiring and cultivating a diverse portfolio within the DBS SME (Micro and Small) and Retail asset segments. He / She will be responsible for generating revenue from various sources, such as assets, liabilities, and BANCA products, aiming for healthy income while maintaining an acceptable risk profile for the bank. The successful candidate will achieve these results in strict adherence to the bank's prescribed lending guidelines.**Key Accountabilities*** Source new-to-bank asset relationships within the SME segment, targeting businesses with a turnover up to 50 Crore, in alignment with DBS's lending policy.* Source retail assets and current accounts, and actively cross-sell wealth, insurance, and other fee-based products in accordance with permissible DBS policies.* Ensure high-quality sourcing and gather appropriate market feedback before onboarding new customers.* Play a pivotal role in enhancing the profitability of the branch.* Strengthening DBS's brand value and expand its network within the local market through various marketing activities, collaborations, and events.* Comply with all bank processes and policies, ensuring positive ratings during all Country and Group audits.**Job Duties & responsibilities*** Identify and acquire new-to-bank asset relationships within the SME segment (up to 50 Crore turnover), ensuring alignment with the Bank Lending Policy. Collaborate with SME Relationship Managers, customers, risk teams, and operations teams to facilitate sanction and disbursement of these relationships.* Refer CASA (Current Account Savings Account) accounts, retail assets, deposits, and other Consumer Banking Group (CBG) products (e.g., Wealth, insurance, CEP) to the relevant Branch team members.* Actively cross-sell Banca, Liability, Trade, Cash, and Treasury products to acquired clientele.* Achieve individual budgeted revenues across all product parameters.* Conduct thorough due diligence during the onboarding process for new asset relationships.* Increase customer wallet share by consistently exploring opportunities to cross-sell additional bank products.* Provide local market insights regarding customers to SME Relationship Managers post-onboarding, as needed.* Adhere strictly to Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.* Complete all assigned learning programs by DBS in a timely manner.* Comply with all bank processes and policies.* Maintain strong relationships with local business stakeholders, including existing and prospective clients, market leaders, CAs (Chartered Accountants), influencers, and industry associations, to stay updated on current market practices and local intelligence.* Report any material information regarding business opportunities, industry risks, or customer risks to senior functional management at regular intervals.**Required Experience*** A minimum of 3-5 years of overall sales experience.* At least 2 years of sales experience specifically in SME/Business Banking Lending.* A proven sales track record in the asset business within the SME/Business Banking or LAP (Loan Against Property) segment.* Solid knowledge of competitors and the marketplace.* Market knowledge and experience in the SME segment, particularly concerning customer preferences and requirements, is highly preferred.* Excellent communication and listening skills.* Strong sales and negotiation skills.* Proficient knowledge of Working Capital Finance.**Education / Preferred Qualifications*** Minimum Under Graduation completion in any degree courses.**DBS India - Culture & Behaviors**DBS is dedicated to fostering a culture where every employee is valued, respected, and heard. We pride ourselves on offering a workplace that promotes continuous professional development, flexible working arrangements, and opportunities for growth within an inclusive and diverse environment. We expect our employees to demonstrate the following value-driven behaviours:**Location:**Salt Lake, Kolkata**Job:**Relationship Management**Schedule:**Regular**Employee Status:**Full time### Why join us?*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.*### About UsDBS 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.