Senior Associate, Cluster Sales Head - Current Accounts, Consumer Banking Group

Overview

Lead the current-account acquisition and activation strategy for a cluster in Ahmedabad, leading a field-sales organisation to deliver acquisition, balance and transaction targets within DBS Consumer Banking Group.

What you'll do

• Deliver new-to-bank current-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee-income targets for the cluster.
• Build and execute a catchment-led acquisition strategy for high-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, professional firms and service establishments.
• Translate cluster targets into branch-, team- and individual-level productivity plans.
• Own the current-account business plan, sales funnel, conversion pipeline and weekly performance rhythm.
• Improve portfolio quality by prioritising transaction-active, balance-building and cross-sell-ready relationships over dormant or low-value acquisition.
• Lead, coach and motivate a field-sales organisation to consistently deliver acquisition and value-build targets.
• Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles, pipeline reviews and conversion tracking.
• Ensure each relationship manager follows a profile-based sales approach rather than a generic product pitch.
• Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs.
• Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients.
• Ensure newly acquired accounts become transaction-active within defined activation timelines.
• Drive operating balances, inward credits, collections, payment activity and digital banking adoption.
• Track early-warning indicators including low funding, non-activation, declining balances, low transaction velocity and potential attrition.
• Build strategies to migrate primary transaction flows (collections, vendor payments, payroll, taxes and operating cash) to the bank.
• Improve account quality by monitoring average balance, debit transactions, credit transactions and account profitability.
• Use the current account as the primary operating hub for business clients and identify the appropriate product solution based on the customer's business model.
• Drive adoption of corporate internet banking and mobile approvals; cash management and bulk payment solutions; POS, Android POS, QR and Soundbox; sweep-in / sweep-out or FFD structures; debit cards; collections and transaction banking solutions; and promoter, family, wealth and premium savings propositions.
• Partner with product teams to convert business pain points into integrated propositions, for example POS for collections, Internet Banking for payment controls, FFD for temporary balances and Aspire/premium banking for promoter wallet deepening.
• Build senior-level relationships with anchor clients and participate in strategic joint calls for high-value prospects.
• Ensure timely resolution of onboarding, account-opening, transaction, service and digital-banking issues.
• Work with branches and operations teams to reduce turnaround time, improve onboarding quality and strengthen client experience.
• Review top customers and at-risk accounts regularly to protect balances, transactions and wallet share.
• Drive customer retention through proactive engagement, problem solving and relevant product deepening.
• Ensure all sourcing, onboarding and account activation follows internal policies and applicable KYC, AML, fraud-risk and regulatory requirements.
• Maintain high standards of customer due diligence, documentation quality, source-of-funds understanding and business-profile validation.
• Monitor exceptions, unusual transaction behaviour, documentation gaps and operational risks; escalate promptly where needed.
• Build a culture of right-first-time acquisition, with no compromise on compliance for target achievement.
• Recruit, develop, retain and performance-manage a high-quality current-account sales team.
• Set clear scorecards covering acquisition, activation, AQB/AMB, transaction activity, fee income, cross-sell, productivity, service quality and compliance.
• Conduct structured coaching through joint market visits, call observations, weekly reviews and capability-building sessions.
• Identify skill gaps and develop targeted interventions around sales planning, segment understanding, solution selling, digital banking and compliance.
• Maintain a strong talent pipeline and manage attrition proactively.

What you'll need

• 8 to 15 years of relevant experience in banking, preferably in current accounts, CASA, business banking, SME banking, transaction banking, branch banking or merchant acquiring.
• At least 3 to 5 years in a people-leadership role managing sales managers, relationship managers or acquisition teams.
• Demonstrated track record of building a current-account portfolio, increasing operating balances and delivering cross-sell revenue.
• Strong understanding of current-account economics, CASA, transaction banking, payments, merchant acquiring and business-client needs.
• Proven ability to lead field sales, build market networks and execute through branches and partner channels.
• Solution-selling mindset with ability to connect client pain points to banking products.
• Strong command of sales analytics, funnel management, portfolio reviews and performance dashboards.
• Excellent stakeholder-management skills across branches, products, operations, risk and service.
• High integrity, sound judgement and uncompromising compliance orientation.
• Strong communication, negotiation, coaching and executive-presence skills.
• Graduate degree required.

Nice to have

• Experience in managing business clusters, market catchments, branch ecosystems or multi-location sales teams.
• MBA / PGDM in Finance, Sales, Marketing or Banking.
• Relevant certifications in banking, KYC/AML, payments or financial products.

Details

• Location: Ahmedabad
• Job: Relationship Management
• Schedule: Regular
• Employee status: Full time