Analyst| Branch Health Check Officer| Consumer Banking Group

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DBS Bank


Analyst/Associate, Affluent Relationship Manager, Consumer Banking Group
DBS Bank • Tamil Nadu • via Indeed
12 hours ago
Full–time
Apply on Indeed
Job description
Business FunctionAs the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.
Job Purpose
• To deliver acquisition of “qualified” New to Bank (NTB) DBS Treasures clients through “need-based approach” and revenue performance by leverage product penetration opportunities through cross-sell of DBS products and services.
• To manage & maintain the highest customer satisfaction and service levels through pro-active client engagement & relationship management, coordinating internally with DBS Service and Distribution and Product team

Key Accountabilities
• Conduct Events and activities to enable lead generation to assist NTB acquisition
• Implement “needs-based strategy” to attract New to Bank (NTB) Treasures clients in the assigned location/areas and actively engage them in new business opportunities.
• Drive incremental NNM leveraging CA/SA/TD Growth and revenue by cross selling Insurance, FX and Investments products.
• Ensure activation of e-Channels (I-Banking / M-Banking/ Online MF/Debit Card) and Savings Book growth
• Drive Cross Sell and PPC
• Drive and deliver exemplary customer service and uphold DBS service standards.
• Ensure internal and regulatory compliance through strict adherence to DBS sales process, timely risk reviews and exercising due diligence while on-boarding
• Embrace digital banking solutions and technological advancements to deliver highly efficient, swift, and precise services to customers.
• Ensure strict adherence to product and sales policies, procedures, and regulatory guidelines always established by the Bank and relevant authorities.

Job Duties & responsibilities
• NTB Acquisition – Acquire New-To-Bank (NTB) acquisition of CASA accounts with funded balances (TRV basis Gold, Silver, Bronze)
• CASA Avg. Bal/TD Net Growth – Generate net growth in average balance for current account/savings account (CA/SA) and Term Deposits (TD).
• Revenue: Generate new sales revenue from Insurance, Foreign Exchange (FX), and incremental CASA Net Interest Income (NII) up to M3 (month 3).
• Strategic Focus (Referral): generate referrals for strategic products such as Mortgages, Credit Cards sourcing, etc.
• Ensure internal and regulatory compliance and address operational risks if any
• To exercise appropriate due diligence while on-boarding and engaging with clients.

Required Experience
• Minimum 4 years of experience in acquisition of NTB customers in Premium Banking/ Wealth category
• Sound understanding of financial planning and wealth management products in India
• In-depth knowledge of local market and competition
• AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage

Education / Preferred Qualifications
• Graduate / Post Graduate with MBA

Core Competencies
• Strong Relationship Management and influencing skills
• Self-driven and ambitious
• Good written and verbal communication skills
• Results-orientated & the ability to deliver results

Technical Competencies
• Sales and Business Development Skills
• Networking and Relationship Management
• Financial Acumen
• Due Diligence

Work Relationship
• Management of clients and prospects for acquisition and deepening of wallet share.
• Close interaction with Team Leader, City / Cluster Head, Treasure Service and Operations team to ensure consistent delivery of volume and revenue targets
• Close and regular interaction with Investment, Insurance and Forex Product specialists for effective to explore potential in existing book through joint engagement with clients

Mandatory Training
• GCAP (Group Customer Acceptance Policy)
• BCAP (Business Customer Acceptance Policy)
• AML (Anti Money Laundering) and KYC Guidelines
• PIP (Personal Investment Policy)
• ORM (Operational Risk Management)
• Information Security Policy

DBS India - Culture & Behaviors
• Performance through Value Based Propositions
• Ensure customer focus by delighting customers & reduce complaints
• Build pride and passion to protect, maintain and enhance DBS’ image and reputation
• Enhance knowledge base, build skill sets & develop competencies
• Execute at speed while maintaining error free operations
• Maintain the highest standards of honesty and integrity

Apply Now
We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.
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DBS Bank


Analyst, Branch Health Check Officer, Consumer Banking Group
DBS Bank • Tamil Nadu • via Indeed
12 hours ago
Full–time
Apply on Indeed
Job description
Business Function
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.
Job Purpose
• Undertake Inspections and Quality Reviews across the Branch network to minimise operations risk and ensure readiness for Audits and Risk Reviews.

Key Accountabilities
• To conduct onsite and offsite control testing of branch controls covering all branch activities,
• The role may involve travel to DBIL branches across country.
• To coordinate and review self-assessment by branches.
• Working with branch managers and regional/cluster operations head/cluster heads for remediation of issues found

Quality of inspection
• Complete physical inspection of Branches within the allocated time
• Submission of good quality inspection report within stipulated time

Remediation
• Spot rectification of Inspection observations & comments/violations; as well as liaising with branches subsequently for rectification
• Providing suggesting corrective measures as well as improvement in systems & procedures.
• Other key accountabilities include, MIS Preparation, Coordination for timely MSA submissions by Branches, Quarterly BHC Checklist Review and Coordination and Closure of Group Audit/Concurrent Audit comments.
• Participate in performance of Thematic reviews and when assigned.

Job Duties & Responsibilities
• Perform onsite/ Offsite Branch Audits.
• Doing Quality Checking of BHC Draft Result issued by Reviewer.
• Preparing of various MIS which includes, Internal MIS and preparation of data for various meetings.
• Liaising with Reviewer and Branch Team for Audit requirements.

Experience
• The job holder should have minimum 10 to 12 years of experience in the banking industry with good understanding of all consumer banking products. Must have exposure to Branch Banking / Operations / Central Processing Centers / Audit & Risk Teams.

Education / Preferred Qualifications
• The job holder needs to be at least a Graduate, preferably in the Commerce stream. CAIIB or equivalent qualifications will be beneficial/preferred. Knowledge and experience with MS Office and Core Banking Systems will be a basic requirement.

Core Competencies

The job holder needs to posses the following skills:Job Knowledge:
• The job holder needs to have thorough knowledge of banking day to day compliance & related guidelines. He/she should be well aquatinted with RBI guidelines and other regulation prescribed by various regulators from time to time.
• Should have a keen eye for detail and passion to perform branch audits.

Organising Skills:
• The job holder needs to be organised so to enable handling multiple tasks with different branches while delivering within timelines.

Proactive Behaviour:
• To understand the Product, Process and be able to identify and articulate risks and their controls/mitigation.

Communication Skills:
• The job holder needs confident effective verbal and written communication skills to discuss, convince and explain inspection findings.

Interpersonal Skills:
• The job holder works with diverse set of stakeholders across branches and requires adequate interpersonal/bonding skills.

Technical Competencies
• The job holder needs to have well developed knowledge and skills in working with MS Office and core banking systems.

Work Relationship

To work with:
• Internal: Head BHC and BHC Team.
• External: Branch Teams, Zonal/Regional Teams, & other stakeholders.

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:
• Ensure Customer Focus by Delighting Customers & Reduce Complaints
• Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
• Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement
• Maintain the Highest Standards of Honesty and Integrity

Apply Now
We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.