Business Clients Credit Senior Advisor

Job Title: Business Clients Credit Senior Advisor

Corporate Title: AVP

Location: Mumbai, India

Role Description

Sourcing & managing relationship of high value ticket group

• Sourcing channels: Sourced primarily through Deutsche Bank Branches, In-house Sales team, DB's Cross sell unit targeted at existing DB customer's.
• Target segment: The PCB business in India started in 2005 and has been focusing primarily on the MSME segment and caters to clients providing lending solutions to the entire mid-corporate segment.
• Bank for Entrepreneur:  From an IPB standpoint, targeting this segment is also important from a "Bank for Entrepreneurs" perspective, because this is where the majority of our Wealth clients would fit in, and where we would need to be present in, to cater to their Lending and Business Banking requirements. Therefore, specifically for WM clients, we would consider exceeding the Sales turnover threshold defined in the previous paragraph, on a case-specific basis.  Work closely with Private Wealth Teams to provide Business Banking Solutions to the Entrepreneurs who are banking with DB in personal capacity.  Thus enhancing the wallet share of DB.

What we'll offer you

As part of our flexible scheme, here are just some of the benefits that you'll enjoy,

• Best in class leave policy.
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

Sourcing & managing relationship of high value ticket group, for Trade and Working Capital requirements. 

• Sourcing channels: Sourced primarily through Deutsche Bank Branches, In-house Sales team, DB's Cross sell unit targeted at existing DB customer's.
• Target segment:The PCB business in India started in 2005 and has been focusing primarily on the MSME segment and caters to clients with sales turnovers which range from Eur 2 Mn to 50 Mn. While we started at relatively lower turnovers initially, gradually with experience we have moved to the Eur 50 Mn range.The Corporate Banking franchise in India caters to large corporates only, with turnovers in excess of Eur 200 Mn. This leaves a large gap and opportunity therefore from an India franchise perspective – providing lending solutions to the entire mid-corporate segment. – that is, the Eur 50 Mn to Eur 200 Mn turnover range.
• Bank for Entrepreneur:  From an IPB standpoint, targeting this segment is also important from a "Bank for Entrepreneurs" perspective, because this is where the majority of our Wealth clients would fit in, and where we would need to be present in, to cater to their Lending and Business Banking requirements. Therefore, specifically for WM clients, we would consider exceeding the Sales turnover threshold defined in the previous paragraph, on a case-specific basis.  Work closely with Private Wealth Teams to provide Business Banking Solutions to the Entrepreneurs who are banking with DB in personal capacity.  Thus enhancing the wallet share of DB.

Your skills and experience

• At least 15+ years of work experience in Emerging Enterprises and Business clients.
• The resource should have experience in Trade, Working Capital, Cash Management, Bill discounting etc.  to support new transactions.
• This role also needs the person to be well conversant with Trade and Trade Guidelines (UCP/FEMA) in order to be able to support the client transactions.
• The candidate must possess exceptional communication and interpersonal skills.
• The candidate must at least be a Post Graduate
• The candidate should possess the skill sets to handle customer queries and keep upto customer commitments and should have a fair knowledge on Banking processes pertaining to day to day operations and rules.
• Effective monitoring of the portfolio is also important from regulatory point of view as per RBI guidelines.
• Understanding of markets, economy, businesses.
• Understanding financial statements and balance sheets.

How we'll support you

• Training and development to help you excel in your career.
• Coaching and support from experts in your team.
• A culture of continuous learning to aid progression.
• A range of flexible benefits that you can tailor to suit your needs.

About us and our teams

Please visit our company website for further information:

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.