Analyst, Relationship Manager, Credit Program Small, Small Medium Enterprises

Job Duties & responsibilities

• Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, 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 Asset, 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 Relationships.
• On board clients with a clear account plan highlighting the revenue potential, risks and mitigants.
• Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank.
• Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client’s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.
• Thorough monitoring of accounts sourced and keep track on customer’s business and report any early warning signals.
• Ensure Timely Renewals of Accounts.
• Ensure that the covenants and conditions prescribed by the credit team are consistently met.
• 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- 5 years of experience in sales.
• 2-3 years of sales experience in SME/Business Banking Lending.
• 2-3 years experience in Working Capital sales and service portfolio
• Proven sales track record in asset business in the SME/Business Banking segment.
• Knowledge of competitors and marketplace
• Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.

Education / Preferred Qualifications

• Bachelors in finance / Economics/Commerce or MBA or CA

Core Competencies

Technical Competencies

Work Relationship

DBS India - Culture & Behaviors

Apply Now