Assistant Vice President, Relationship Manager, Cross Industry, Corporate Banking

Overview

Relationship Manager for a portfolio of corporate clients in Corporate and Investment Banking, building long-term relationships, growing portfolio profitability and managing risk within the bank's guidelines.

What you'll do

• Manage a portfolio of corporate clients and maintain relationships through constant interaction and account mapping at varied levels in client organizations, while ensuring a risk-adjusted portfolio contribution.
• Act as primary contact at CEO, Finance Director and Treasurer level in corporate controlling offices, discussing customer needs, service reviews and credit risk issues.
• Advise on how business finances could be structured in the short, medium and long term.
• Determine the products most effective in meeting customer needs and sell them both reactively and proactively.
• Cross-sell other bank products, including cash, treasury and trade.
• Customize, adapt and develop new products to increase profitability, reduce costs and ease operational bottlenecks.
• Implement and execute the IBG1 business strategy to increase market share and achieve revenue, ROE and cost/income ratio targets.
• Ensure high customer retention and increased wallet share by monitoring customer satisfaction through detailed MIS, tracking of operations and complaints.
• Identify new and existing customer potential, including sales opportunities and new product promotion initiatives, to grow team portfolio profitability.
• Control portfolio quality using available triggers and adherence to risk management guidelines and policies.
• Formulate business development strategies and objectives to meet changing market needs, including prioritized target lists, structured client calling plans and client action plans.
• Ensure all regulatory reporting and compliance is enforced and assist with external and internal audits.
• Ensure quality proposals are submitted to the credit chain.
• Monitor results of customer surveys against target service quality standards, and monitor complaint levels and quality of handling.
• Research competitive threats and opportunities within the team's market and geographical area.
• Develop the DBS brand in the region and research identified market segments, including key requirements for each.
• Build and develop a high-performing team through performance development and coaching, and make reward decisions within set guidelines.
• Work with RMs and sales in CBG, CMS and GTS, credit, product functions, operations, legal and compliance to deliver products and credit lines to clients.

What you'll need

• Overall 7-12 years of experience in corporate banking.
• Proven track record in corporate and commercial banking.
• Sound understanding of products.
• Sound understanding of credit proposals.
• Knowledge of competitors and the marketplace.
• Strong selling and negotiation skills.
• Excellent diagnostic skills and rigorous approach to problem solving.
• Excellent communication skills at all levels.
• Excellent comprehension skills to understand and interpret industry data and economic trends.
• Sound financial counseling skills.
• Strong credit risk analysis skills.
• Strong formal presentation skills to gain acceptance of solutions, internally and externally.
• Team creation and coordination skills to mobilize and manage product specialists.
• Proven leadership experience in leading and managing sales.
• Ability to think creatively and identify innovative solutions.
• Understanding of RBI regulatory guidelines on banking policies and local laws and regulations affecting businesses.
• Understanding of KYC requirements and Anti-Money Laundering policies is critical.
• Knowledge of financial markets and products.
• Financial analysis and research capabilities.
• Evaluation of credit risks involved in credit proposals.

Nice to have

• MNC RM experience.
• An MBA or CA with relevant years of experience in banking.

Details

• Location: Ahmedabad-DBIL.
• Full-time, regular employee.