Business Banking Relationship Manager

1 week ago


Delhi, Delhi, India DBS Bank Full time

Job Purpose:
To acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank.
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.

Key AccountabilitiesSource New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, aligned to Bank Lending PolicyEnsure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etcPlay an instrumental role in increasing the Profitability of the businessEnsure proper monitoring of Portfolio and maintaining the delinquencies at NILImplement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 –Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolioBuild DBS Brand Value and enhance network in the location by various marketing activities, collaborations and eventsTo comply with the Bank's process & policies and ensure positive ratings during all Country / Group audits

Job Duties & Responsibilities:
Source New to Bank Asset relationships within IBG 4 Segment ie.

Companies ranging from a Turnover of INR 25 crores to 200 crores, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations teamCross sell of Liability, Trade, Cash and Treasury Product activelyTo achieve the individual Budgeted revenues through all product parametersConduct proper Due diligence while on-boarding New Asset RelationshipsOnboard board clients with a clear account plan highlighting the revenue potential, risks and mitigantsAdherence to strict KYC/AML requirementsMIS to be provided to the central team for further reporting, within the stipulated guidelinesTimely Completion of Learning Programs as assigned by DBS for time to timeTo comply with the Bank's process & policiesTo 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 intelligenceTo 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.

Required Experience:7-11 years of sales experience in SME/Business Banking LendingProven sales track record in asset business in the SME/Business Banking segmentKnowledge of competitors and market placeMarket knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred

Education / Preferred QualificationsPost Graduation /MBA .

Core CompetenciesExcellent Communication & Listening Skills, Good Sales & Negotiation Skills

Technical CompetenciesWorking Capital Finance Knowledge

Work RelationshipManager /Direct Report


DBS India - Culture & BehaviorsDBS is committed to building a culture where all employees are valued, respected and their opinions count.

We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment.

Expected value driven behaviors are

Demonstrate Business Performance through PRIDE 2.0 Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS' ReputationEnhance Self Knowledge, Skills and develop Competencies aimed at continuous improvementMaintain the Highest Standards of Honesty and Integrity

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