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

Overview

Relationship Manager for the Credit Program for Small and Medium Enterprises (IBG 4 segment) at DBS Bank, responsible for acquiring and building a diversified lending portfolio that generates healthy income within acceptable risk.

What you'll do

• Source new-to-bank asset relationships within the IBG 4 segment up to a turnover of 25 Crore, aligned to Bank Lending Policy, and ensure sanction and disbursement in liaison with Customer, Risk and Operations teams.
• Source new-to-bank asset relationships within the IBG 4 segment up to a turnover of 100 Crore, aligned to Bank Lending Policy.
• Cross-sell Asset, Trade, Cash, Treasury, Liabilities and Fee products actively to deliver regular revenue streams and increase wallet share.
• Achieve individual budgeted revenues across all product parameters and contribute to branch profitability.
• Conduct proper due diligence when onboarding new asset relationships and onboard clients with a clear account plan highlighting revenue potential, risks and mitigants.
• Monitor the portfolio constantly, maintain delinquencies at nil, and ensure timely renewals of accounts.
• Ensure covenants and conditions prescribed by the credit team are consistently met.
• Work closely with the monitoring team on early warning signals, track customers' business, and take appropriate actions.
• Provide regular feedback to the credit and portfolio teams on developments in clients' businesses.
• Adhere to strict KYC/AML requirements.
• Provide MIS to the central team within stipulated guidelines.
• Implement and execute the IBG 4 business strategy to increase market share and achieve top-line and bottom-line targets, reducing portfolio concentration risk.
• Build DBS brand value and enhance network in the location through marketing activities, collaborations and events.
• Stay in touch with local business stakeholders, including existing and prospective clients, market leaders, CAs, influencers and industry associations, to remain updated on market practice and local intelligence.
• Report material information on business opportunities and industry/customer risk to senior functional management at regular intervals.
• Comply with the Bank's process and policies, ensure positive ratings in Country/Group audits, and complete assigned learning programs on time.

What you'll need

• Overall 3-5 years of experience in sales.
• 2-3 years of sales experience in SME/Business Banking lending.
• 2-3 years of 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 the marketplace.
• Excellent communication and listening skills.
• Good sales and negotiation skills.
• Working capital finance knowledge.

Nice to have

• Bachelor's in finance, economics or commerce, or MBA, or CA (listed as preferred qualifications).
• Market knowledge and experience in the SME segment, with reference to customer preferences and requirements.

Details

• Location: Bangalore.
• Job: Relationship Management.
• Schedule: Regular employee.
• Employment status: Full time.