Associate, Channel Relationship Manager, Small Medium Enterprises

The role of a Relationship Manager in Corporate and Investment Banking at DBS involves acquiring and managing a diversified portfolio within the IBG 4 segment. The primary goal is to generate revenue from various sources such as assets, trade, cash, treasury, and fees while maintaining an acceptable level of risk for the bank. It is essential for the Relationship Manager to adhere to the lending guidelines set by the bank to achieve these objectives effectively. Key responsibilities include sourcing new asset relationships within the IBG 4 segment, ensuring a healthy income through cross-selling of various products, contributing to branch profitability, monitoring the portfolio to maintain delinquencies at a minimum, and implementing the IBG4 business strategy to increase market share while reducing concentration risk. Building the DBS brand value, expanding the network through marketing activities, and complying with the bank's processes and policies are also crucial aspects of the role. The Relationship Manager is expected to source new asset relationships within the IBG 4 segment, cross-sell liability, trade, cash, and treasury products, achieve budgeted revenues, conduct proper due diligence, onboard clients with clear account plans, monitor the portfolio closely, and ensure timely renewals of accounts. Adherence to KYC/AML requirements, providing MIS reports, completing learning programs, and maintaining relationships with local business stakeholders are also part of the job duties. The ideal candidate should have 3-5 years of overall sales experience with at least 2 years in SME/Business Banking Lending, a proven track record in asset business, knowledge of competitors and the marketplace, and familiarity with the SME segment. A Bachelor's degree in finance/economics/commerce or an MBA/CA is preferred. Excellent communication, listening, sales, and negotiation skills are essential, along with knowledge of working capital finance. DBS India emphasizes a culture that values and respects all employees, encourages professional development, offers flexible working arrangements, and promotes inclusivity and diversity. The bank expects employees to demonstrate business performance aligned with its PRIDE 2.0 values, prioritize customer satisfaction, uphold honesty and integrity, and continuously enhance their knowledge and skills. If you meet the requirements and possess the core competencies mentioned, you are encouraged to apply for this full-time Relationship Management position at DBS in Bengaluru, India. Join a dynamic environment that supports your growth and recognizes your achievements. Apply now to be a part of our team.,