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

Overview

Relationship Manager role within DBS Bank's Corporate and Investment Banking, responsible for acquiring and building a diversified asset portfolio in the IBG 4 SME segment (companies with turnover of INR 25 crores to 600 crores).

What you'll do

• Source new-to-bank asset relationships within the IBG 4 segment, aligned to Bank Lending Policy, and ensure sanction and disbursement in liaison with Customer, Risk and Operations teams.
• Ensure good Net Interest Income and fee income across the portfolio, and regular revenue streams through cross-sell of Trade, Liabilities, Cash, Treasury and Fee products.
• Play an instrumental role in increasing the profitability of the business.
• Monitor the portfolio and maintain delinquencies at NIL.
• Implement and execute the IBG4 business strategy to increase market share and achieve Topline and Bottom line targets, focusing on a diversified portfolio and reduced concentration risk.
• Build DBS brand value and enhance network in the location through marketing activities, collaborations and events.
• Conduct proper due diligence while on-boarding new assets, and onboard clients with a clear account plan highlighting revenue potential, risks and mitigants.
• Adhere to strict KYC/AML requirements.
• Provide MIS to the central team for further reporting within stipulated guidelines.
• Complete learning programs as assigned by DBS from time to time.
• Comply with the Bank's process and policies, and ensure positive ratings during all Country / Group audits.
• Stay in touch with local business stakeholders including existing and prospective clients, market leaders, CAs, influencers and industry associations to stay updated on market practice and local intelligence.
• Report material information on business opportunities and industry/customer risk to senior functional management at regular intervals.

What you'll need

• Overall 3-7 years of experience in sales.
• 2-3 years of experience in working capital sales in SME/Business Banking.
• Proven sales track record in asset business in the SME/Business Banking segment.
• Knowledge of competitors and market place understanding of the SME sector.
• Working capital finance knowledge.
• Excellent communication and listening skills; good sales and negotiation skills.

Nice to have

• Market knowledge and experience in the SME segment, with reference to customer preferences and requirements.

Details

• Location: Noida.
• Employment type: Full time, regular employee.