Senior Associate, Relationship Manager, Credit Program Medium, Small Medium Enterprises

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

To acquire and build a well-diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank

Key Accountabilities

Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, aligned to Bank Lending Policy
Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc
Play an instrumental role in increasing the Profitability of the business
Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL
Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 –Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio
Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events
To comply with the Bank’s process & policies and ensure positive ratings during all Country / Group audits

Job Duties & Responsibilities

Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team
Cross Sell of Liability, Trade, Cash and Treasury Product actively
To achieve the individual Budgeted revenues through all product parameters
Conduct Proper Due diligence while on-boarding New Asset
On board clients with a clear account plan highlighting the revenue potential, risks and mitigants
Adherence to strict KYC/AML requirements
MIS to be provided to the central team for further reporting, within the stipulated guidelines
Timely Completion of Learning Programs as assigned by DBS for time to time
To comply with the Bank’s process & policies
To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA’s, Influencer’s and Industry association to be updated on the current market practice and local intelligence
To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval

Requirements

Overall 3- 7 years of experience in sales
2-3 years of sales experience in SME/Business Banking Lending
Proven sales track record in asset business in the SME/Business Banking segment
Knowledge of competitors and market place
Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred

Education / Preferred Qualifications

Overall 3- 7 years of experience in sales
2-3 years of sales experience in SME/Business Banking Lending
Proven sales track record in asset business in the SME/Business Banking segment
Knowledge of competitors and market place
Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred

Core Competencies

Excellent Communication & Listening Skills, Good Sales & Negotiation Skills

Technical Competencies

Working Capital Finance Knowledge

Work Relationship

Manager /Direct Report

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.

Primary Location

India-Gujarat-Ahmedabad-DBIL

Job

Relationship Management

Schedule

Regular

Job Type

Full-time

Job Posting

Jul 2, 2025, 8:00:00 AM