45 Consumer Banking Jobs

Business Function: As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations are at every life stage. Our financial solutions are not only the best in the business - they were made just right for you. Job Purpose: Business monitoring and support across India and regional reviews. Support the CEO s office on specific projects/activities to support the franchise. Monitor performance of strategic investments held by the bank. Key Accountabilities: - Tracking of the performance metrics Assist in developing forecasting tools for assessing business performance and focus areas Assist in developing and finalizing presentations for senior management, Board, regulators etc. Typical content involves demonstrating India performance against budgets, peer banks, etc. Monthly/Quarterly semi-annual reporting in required formats. Support DBS India CEO s office with external and regional reporting and reviews. Deliver on DBS India Strategy and Planning plan and deliverables. Monitor external internal sources relevant for the bank s overall strategy: including market trends, and external developments; Also engage relevant stakeholders to gather such key information. Experience: 5-7 years of post-qualification experience in related field. Worked in Performance business monitoring functions. Understanding of relevant banking and financial services products, services, ecosystems and regulations. Personal Attributes: Ability to effectively communicate at all levels within an organization Good written and oral communication. High level of problem-solving aptitude and demonstrated organizational skills. Education / Preferred Qualifications: An MBA or Chartered Accountant or equivalent degree is preferable Core Competencies: Good problem solving/analytical, planning organising skills. Planning, scheduling and monitoring deliverables, within a stipulated time frame using effective methods Good interpersonal and communications skills. Work Relationship: Possess good working relationship and a high degree of team spirit and cooperation with relationship group as well as service partners in the bank such as Product Management, Operations, Finance, Legal etc, so as to ensure seamless delivery of projects.

Business Function: As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Job starts with recruitment of manpower and training them on Consumer LAP business. Catchment mapping to each of the DST s is an important activity. Ensure productivity from DST s and drive Consumer LAP business from Branch Banking channel. Also responsible for cross selling to the existing base and cross selling other bank products to the new customers. Sales manager is also responsible for Consumer LAP P L of all the branches assigned to him/her. Key Accountabilities Recruitment Training of Manpower Handholding the DST s Driving the productivity. Catchment mapping Marketing Activities Achievement of Annual Operating Plan for both DST s Branches. Ensure Profitability of Consumer LAP Business Responsible for Portfolio Quality Job Duties responsibilities Ensure Manpower against Budgeted numbers Ensure every DST to follow the sales process Ensure DST s does regular marketing activities and participates in the traders/association meetings in the given catchment. Closely work with branch banking team and attend the branch leads. Work with DST s and customer visits Ensure all corporate office initiatives are being implemented Requirement 5-10 Years of experience in sourcing Business Loans / Loan against property / MSME business. At least 3 5 years of experience in team handling. Graduation / Post Graduation Sales / Business Development Leadership skills Ability to lead team Relationship management Team Development Strategy and Planning Resource Allocation Banking knowledge Computer Skills and digital knowledge Good network in the market Team Player Self Motivated Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Business Function: As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Job starts with recruitment of manpower and training them on Consumer LAP business. Catchment mapping to each of the DST s is an important activity. Ensure productivity from DST s and drive Consumer LAP business from Branch Banking channel. Also responsible for cross selling to the existing base and cross selling other bank products to the new customers. Sales manager is also responsible for Consumer LAP P L of all the branches assigned to him/her. Key Accountabilities Recruitment Training of Manpower Handholding the DST s Driving the productivity. Catchment mapping Marketing Activities Achievement of Annual Operating Plan for both DST s Branches. Ensure Profitability of Consumer LAP Business Responsible for Portfolio Quality Job Duties responsibilities Ensure Manpower against Budgeted numbers Ensure every DST to follow the sales process Ensure DST s does regular marketing activities and participates in the traders/association meetings in the given catchment. Closely work with branch banking team and attend the branch leads. Work with DST s and customer visits Ensure all corporate office initiatives are being implemented Requirement 5-10 Years of experience in sourcing Business Loans / Loan against property / MSME business. At least 3 5 years of experience in team handling. Graduation / Post Graduation Sales / Business Development Leadership skills Ability to lead team Relationship management Team Development Strategy and Planning Resource Allocation Banking knowledge Computer Skills and digital knowledge Good network in the market Team Player Self Motivated Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Business Function: As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Job starts with recruitment of manpower and training them on Consumer LAP business. Catchment mapping to each of the DST s is an important activity. Ensure productivity from DST s and drive Consumer LAP business from Branch Banking channel. Also responsible for cross selling to the existing base and cross selling other bank products to the new customers. Sales manager is also responsible for Consumer LAP P L of all the branches assigned to him/her. Key Accountabilities Recruitment Training of Manpower Handholding the DST s Driving the productivity. Catchment mapping Marketing Activities Achievement of Annual Operating Plan for both DST s Branches. Ensure Profitability of Consumer LAP Business Responsible for Portfolio Quality Job Duties responsibilities Ensure Manpower against Budgeted numbers Ensure every DST to follow the sales process Ensure DST s does regular marketing activities and participates in the traders/association meetings in the given catchment. Closely work with branch banking team and attend the branch leads. Work with DST s and customer visits Ensure all corporate office initiatives are being implemented Requirement 5-10 Years of experience in sourcing Business Loans / Loan against property / MSME business. At least 3 5 years of experience in team handling. Graduation / Post Graduation Sales / Business Development Leadership skills Ability to lead team Relationship management Team Development Strategy and Planning Resource Allocation Banking knowledge Computer Skills and digital knowledge Good network in the market Team Player Self Motivated Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Business Function: As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Job starts with recruitment of manpower and training them on Consumer LAP business. Catchment mapping to each of the DST s is an important activity. Ensure productivity from DST s and drive Consumer LAP business from Branch Banking channel. Also responsible for cross selling to the existing base and cross selling other bank products to the new customers. Sales manager is also responsible for Consumer LAP P L of all the branches assigned to him/her. Key Accountabilities Recruitment Training of Manpower Handholding the DST s Driving the productivity. Catchment mapping Marketing Activities Achievement of Annual Operating Plan for both DST s Branches. Ensure Profitability of Consumer LAP Business Responsible for Portfolio Quality Job Duties responsibilities Ensure Manpower against Budgeted numbers Ensure every DST to follow the sales process Ensure DST s does regular marketing activities and participates in the traders/association meetings in the given catchment. Closely work with branch banking team and attend the branch leads. Work with DST s and customer visits Ensure all corporate office initiatives are being implemented Requirement 5-10 Years of experience in sourcing Business Loans / Loan against property / MSME business. At least 3 5 years of experience in team handling. Graduation / Post Graduation Sales / Business Development Leadership skills Ability to lead team Relationship management Team Development Strategy and Planning Resource Allocation Banking knowledge Computer Skills and digital knowledge Good network in the market Team Player Self Motivated Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Drive overall business of the branch by ensuring exceptional customer service, proactive sales environment, seamless back-office operations and overall profitable branch Enhance existing relationships with customers and build new relationships to increase the customer base Ensure compliance with all applicable external and internal regulations and guidelines Key Accountabilities Drive implementation of the overall Bank strategy at branch level (asset and liability, marketing, sales, operations) in consultation with the Cluster Head Develop and implement branch specific marketing communication strategies to build DBS brand and to achieve branch targets Owner of Branch PL, Cascade the branch scorecard to branch and sales employees to ensure achievement of targets Develop and ensure adherence to the operating budget for the branch in line with the corporate and regional budget Requirements Generate sales through assets, liability and other banking products as well as TPP Monitor on a regular basis the actual achievement of sales targets vis- -vis plans for the branch; take necessary action to minimize deviations, if any Build and manage effective customer relationship with key customers tagged to him/her; enable superior customer service to them; Advise them on making robust investment and financial decisions Reduce customer dormancy and customer attrition Ensure branch target achievement through effective upselling and cross selling Develop the business prospects in the branch vicinity by scouting for avenues to expand overall branch book, both assets liability portfolio qualitatively quantitatively Ensure effective execution of marketing campaigns and conversion of customer referrals Drive Business growth through prospective high net worth individuals, along with Relationship managers to maintain positive relationships Address customer queries and grievances escalated by the branch personnel in a timely manner Ensure Lead sharing with respective Business like IBG for Assets etc. Manage public relations and liaison with local government authorities / RBI/ other banks for day to day branch operations and reporting Support the internal and external audit team in carrying out the periodic branch audit; Formulate action plans to address the deviations found in audit Provide guidance to branch personnel on effective customer relationship management, sales, customer service and compliance to ensure achievement of individual targets. Take overall responsibility for identification of training needs and completion of mandatory certifications for branch personnel Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team members Required Experience 6-8 years in handling Branch of a reputed Bank Education / Preferred Qualifications MBA Core Competencies Excellent interpersonal and communication skills Ability to build strong relationships with clients. Responsible Ability to meet deadlines. Knowledge about internal/external regulations. Technical Competencies Good Computer Knowledge Work Relationship Effective communication between self and superior Inter-personal skills team player Display of RED Attitude (Reliable, Easy to deal with Dependable) DBS India - Culture Behaviors DBS 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: Ensure Customer Focus by Delighting Customers Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements .

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Drive overall business of the branch by ensuring exceptional customer service, proactive sales environment, seamless back-office operations and overall profitable branch Enhance existing relationships with customers and build new relationships to increase the customer base Ensure compliance with all applicable external and internal regulations and guidelines Key Accountabilities Drive implementation of the overall Bank strategy at branch level (asset and liability, marketing, sales, operations) in consultation with the Cluster Head Develop and implement branch specific marketing communication strategies to build DBS brand and to achieve branch targets Owner of Branch PL, Cascade the branch scorecard to branch and sales employees to ensure achievement of targets Develop and ensure adherence to the operating budget for the branch in line with the corporate and regional budget Requirements Generate sales through assets, liability and other banking products as well as TPP Monitor on a regular basis the actual achievement of sales targets vis- -vis plans for the branch; take necessary action to minimize deviations, if any Build and manage effective customer relationship with key customers tagged to him/her; enable superior customer service to them; Advise them on making robust investment and financial decisions Reduce customer dormancy and customer attrition Ensure branch target achievement through effective upselling and cross selling Develop the business prospects in the branch vicinity by scouting for avenues to expand overall branch book, both assets liability portfolio qualitatively quantitatively Ensure effective execution of marketing campaigns and conversion of customer referrals Drive Business growth through prospective high net worth individuals, along with Relationship managers to maintain positive relationships Address customer queries and grievances escalated by the branch personnel in a timely manner Ensure Lead sharing with respective Business like IBG for Assets etc. Manage public relations and liaison with local government authorities / RBI/ other banks for day to day branch operations and reporting Support the internal and external audit team in carrying out the periodic branch audit; Formulate action plans to address the deviations found in audit Provide guidance to branch personnel on effective customer relationship management, sales, customer service and compliance to ensure achievement of individual targets. Take overall responsibility for identification of training needs and completion of mandatory certifications for branch personnel Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team members Required Experience 6-8 years in handling Branch of a reputed Bank Education / Preferred Qualifications MBA Core Competencies Excellent interpersonal and communication skills Ability to build strong relationships with clients. Responsible Ability to meet deadlines. Knowledge about internal/external regulations. Technical Competencies Good Computer Knowledge Work Relationship Effective communication between self and superior Inter-personal skills team player Display of RED Attitude (Reliable, Easy to deal with Dependable) DBS India - Culture Behaviors DBS 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: Ensure Customer Focus by Delighting Customers Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements .

Risk Management Group works closely with our business partners to manage the bank s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure. Job Purpose To give effective credit support for meeting the business targets. To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India. To approve credit applications as per DOA judiciously. Ensuring that quality of Bank s exposure in India is acceptable at all time. Provide guidance to the team of relationship managers on areas of policy and processes. Key Accountabilities: Underwiring the files as per laid down policy and process and other controls, etc for CLAP business To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks. To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner. To have a sound knowledge of the respective market especially C-LAP customer segment in terms of risks associated with this product. Vendor Management (Legal, Technical and others if applicable) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations. To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same. Job Duties and Responsibilities: Set up policy / processes for CLAP. Approve Mortgage applications for his respective branch / location / region. Portfolio monitoring / tracking escalation of adverse new events in the portfolio. Ensure meticulous compliance with Bank s internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Ensure proper guidance / support to the team of relationship managers. Ensure processing of files within agreed timelines Requirements Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers). Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Core Competencies Good analytical skills Good presentation skills Good interpersonal skills Good knowledge of the industry Technical Competencies Sound knowledge of policies / lending frameworks followed for this product. Good knowledge of credit evaluation methods, tools techniques Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general. Knowledge of various banking products and risks associated with them Adequate local knowledge of properties for cities in which he operates Work Relationship Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies.

Join us as a Vice President- Insights COE at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. you'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. You will be accountable to the Director - Insights COE for driving customer and business insights across various Barclays (BUK) products. You will be expected to lead a small team in Chennai, India. The role holder is expected to - have strong commercial awareness and understanding to deliver commercial insights enabling commercial decision making in support of the overall BUK business strategy. Should have stakeholder and communication skills to partner with UK-based COE colleagues, UK Finance Directors/Business Leads and UK business stakeholders. Deliver continuous process improvement through proactive identification and delivery of enhancements. Demonstrated experience in handling complex data sets with use of advanced data analytics skills Adhoc Analysis and Insights - manage the delivery and prioritization of adhoc insight requests from the in a sustainable manner. To be successful as Vice President- Insights COE -, you should have experience with: Strong analytical skills/interpretation skills Broad knowledge of risk management and controls Managing and leading a team - Build team capabilities through strong leadership with a focus on commercial acumen and strong understanding of BUK businesses and BUK Strategy. Qualified Accountant / Management Postgraduate from premier institute with extensive PQE and senior management (Moved the qualification to last point to maintain flow of ask). Some other highly valued skills may include: Strong understanding Barclays UK/Consumer Banking Strong commercial knowledge and understanding of economic drivers Experience in identifying efficiencies and leading teams to delivery You may be assessed on the key critical skills relevant for success in role, such as deep product understanding preferably in consumer banking within UK markets, expertise in data with capability to manage complex data sets and above all the ability to provide clear actionable insights from the data stack This role will be based out of Chennai Purpose of the role To provide financial expertise and support to specific business units or departments within the organisation, and act as a liaison between the finance function and various business units, helping to bridge the gap between financial data and business decisions. Accountabilities Development and implementation of business unit financial strategies, plans and budgets, using insights to evaluate the financial implications of strategic initiatives and recommend appropriate actions. Development of financial models to forecast future performance, assess investment opportunities, and evaluate financial risks for business units, and to analyse the impact of business decisions on financial performance and provision of recommendations. . Cross functional collaboration to provide financial insights and guidance to business unit stakeholders. Identification of opportunities and implementation of financial process improvements that streamline financial operations. Support to business units in identification, assessment, and mitigation of financial risks, including provision of training and guidance to business units on financial risk management and compliance practices. Analysis and presentation of financial data to provide insights into business performance, identify trends, and support decision-making. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as we'll as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Undertake Inspections and Quality Reviews across the Branch network to minimise operations risk and ensure readiness for Audits and Risk Reviews. Key Accountabilities To conduct onsite and offsite control testing of branch controls covering all branch activities, The role may involve travel to DBIL branches across country. To coordinate and review self-assessment by branches. Working with branch managers and regional/cluster operations head/cluster heads for remediation of issues found Quality of inspection Complete physical inspection of Branches within the allocated time Submission of good quality inspection report within stipulated time Remediation Spot rectification of Inspection observations & comments/violations; as well as liaising with branches subsequently for rectification Providing suggesting corrective measures as well as improvement in systems & procedures. Other key accountabilities include, MIS Preparation, Coordination for timely MSA submissions by Branches, Quarterly BHC Checklist Review and Coordination and Closure of Group Audit/Concurrent Audit comments. Participate in performance of Thematic reviews and when assigned. Job Duties & Responsibilities Perform onsite/ Offsite Branch Audits. Doing Quality Checking of BHC Draft Result issued by Reviewer. Preparing of various MIS which includes, Internal MIS and preparation of data for various meetings. Liaising with Reviewer and Branch Team for Audit requirements. Experience The job holder should have minimum 10 to 12 years of experience in the banking industry with good understanding of all consumer banking products. Must have exposure to Branch Banking / Operations / Central Processing Centers / Audit & Risk Teams. Education / Preferred Qualifications The job holder needs to be at least a Graduate, preferably in the Commerce stream. CAIIB or equivalent qualifications will be beneficial/preferred. Knowledge and experience with MS Office and Core Banking Systems will be a basic requirement. Core Competencies The job holder needs to posses the following skills: Job Knowledge: The job holder needs to have thorough knowledge of banking day to day compliance & related guidelines. He/she should be well aquatinted with RBI guidelines and other regulation prescribed by various regulators from time to time. Should have a keen eye for detail and passion to perform branch audits. Organising Skills: The job holder needs to be organised so to enable handling multiple tasks with different branches while delivering within timelines. Proactive Behaviour: To understand the Product, Process and be able to identify and articulate risks and their controls/mitigation. Communication Skills: The job holder needs confident effective verbal and written communication skills to discuss, convince and explain inspection findings. Interpersonal Skills: The job holder works with diverse set of stakeholders across branches and requires adequate interpersonal/bonding skills. Technical Competencies The job holder needs to have well developed knowledge and skills in working with MS Office and core banking systems. Work Relationship To work with: Internal: Head BHC and BHC Team. External: Branch Teams, Zonal/Regional Teams, & other stakeholders. DBS India - Culture & Behaviors DBS 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: Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements .

We have an exciting opportunity for you to lead the modernization of our core deposit products, driving impactful customer experiences. As a Product Manager within the Consumer Banking Deposits team, you will dive head-first into infrastructure and livesite management initiatives. You will work cross-functionally to drive business outcomes while putting the customer experience front and center. Job Responsibilities Lead a group of Product Analysts supporting our Infrastructure Livesite Management product area. Utilize your knowledge of modern environment stacks, pipelines, observability, and DevOps to set strategy and direction. Leverage previous hands-on experience building and running cloud infrastructure and applications. Help lead the change from large, legacy systems to modern technologies. Collaborate effectively with cross-functional teams, navigating complexity and dependencies. Work within a Product construct using Agile delivery methodologies and tools like Align, JIRA, and Confluence. Drive efficiency, eliminate bureaucracy, solve problems, and persevere in the face of challenges. Required Qualifications, Capabilities, and Skills BS/BA degree or equivalent experience plus 7 years of technology experience in a product and Agility model. Previous experience leading a team with proven examples of strengthening the team. Hands-on experience building and running cloud infrastructure and applications. Prior experience migrating legacy technology to modern, cloud-native architecture. Proficient in Product and Agility methodology including JIRA. Demonstrated ability to anticipate barriers to delivery and take independent initiative. Ability to craft compelling, audience-appropriate narratives to communicate product vision and strategy. Preferred Qualifications, Capabilities, and Skills Experience in the Retail financial industry including banking products, payments, or fintech. Prior experience with systems migrations or modernization. Experience with Infrastructure/Environments as Code to enable product innovation.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Drive overall business of the branch by ensuring exceptional customer service, proactive sales environment, seamless back-office operations and overall profitable branch Enhance existing relationships with customers and build new relationships to increase the customer base Ensure compliance with all applicable external and internal regulations and guidelines Key Accountabilities Drive implementation of the overall Bank strategy at branch level (asset and liability, marketing, sales, operations) in consultation with the Cluster Head Develop and implement branch specific marketing & communication strategies to build DBS brand and to achieve branch targets Owner of Branch P&L, Cascade the branch scorecard to branch and sales employees to ensure achievement of targets Develop and ensure adherence to the operating budget for the branch in line with the corporate and regional budget Requirements Generate sales through assets, liability and other banking products as well as TPP Monitor on a regular basis the actual achievement of sales targets vis- -vis plans for the branch; take necessary action to minimize deviations, if any Build and manage effective customer relationship with key customers tagged to him/her; enable superior customer service to them; Advise them on making robust investment and financial decisions Reduce customer dormancy and customer attrition Ensure branch target achievement through effective upselling and cross selling Develop the business prospects in the branch vicinity by scouting for avenues to expand overall branch book, both assets & liability portfolio qualitatively & quantitatively Ensure effective execution of marketing campaigns and conversion of customer referrals Drive Business growth through prospective high net worth individuals, along with Relationship managers to maintain positive relationships Address customer queries and grievances escalated by the branch personnel in a timely manner Ensure Lead sharing with respective Business like IBG for Assets etc. Manage public relations and liaison with local government authorities / RBI/ other banks for day to day branch operations and reporting Support the internal and external audit team in carrying out the periodic branch audit; Formulate action plans to address the deviations found in audit Provide guidance to branch personnel on effective customer relationship management, sales, customer service and compliance to ensure achievement of individual targets. Take overall responsibility for identification of training needs and completion of mandatory certifications for branch personnel Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team members Required Experience 6-8 years in handling Branch of a reputed Bank Education / Preferred Qualifications MBA Core Competencies Excellent interpersonal and communication skills Ability to build strong relationships with clients. Responsible Ability to meet deadlines. Knowledge about internal/external regulations. Technical Competencies Good Computer Knowledge Work Relationship Effective communication between self and superior Inter-personal skills & team player Display of RED Attitude (Reliable, Easy to deal with & Dependable) DBS India - Culture & Behaviors DBS 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: Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements .

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions across 600 branches across the country. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits (incl. structured solutions for NRI), investments, insurance, mortgages, credit cards and personal loans to help our customers realise their dreams and aspirations at every life stage. Job Purpose: To deliver exceptional volume and revenue performance by acquiring and engaging with DBS Treasures clients having a total relationship value => INR 30 lakhs through need-based approach” and ensure client coverage and product penetration through cross-sell and up-sell of DBS products and services. Key Accountabilities Acquire and upgrade quality Treasures clients in the branch location areas Engage with existing customers to deepen the wallet share through retention and growth of of Total Relationship Value (TRV). Accountable for achieving annual volume and revenue objective. Ensure Savings Book and loan book growth Ensure proper implementation & execution of product strategies through effective relationship management. Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions Drive and deliver exemplary customer service in the local market and uphold DBS service standards. Ensure internal and regulatory compliance through strict adherence to DBS processes. Job Duties: Establish, manage and grow the TRV of the elite Treasures Client segment by acquiring and nurturing the clients having AUM => INR 10 M Ensure timely portfolio review by jointly engaging with Wealth / Investment / Insurance specialist with clients. Ensure complete knowledge of all products & services through continuous skill and knowledge improvement. Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy. Provide feedback on market, competition, and products, suggest innovations & ideas for continuous product and service improvements. Ensure internal and regulatory compliance and address operational risks if any. Requirements: 8 years of experience in HNI Sales /Wealth Management/ Private Banking segment. Sound understanding of financial planning and wealth management products in India In-depth knowledge of local market and competition. AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage. Education / Preferred Qualification Graduate / Postgraduate with MBA in relevant field Core Competencies Effective probing and listening skills Strong Relationship Management and influencing skills Self-driven and ambitious. Good written and verbal communication skills Results-oriented, analytical and ability to deliver results under pressure Understanding of competitive positioning Strong service orientation, customer-centric behavior. DBS India - Culture & Behavior Performance through Value Based Propositions Ensure customer focus by delighting customers & reduce complaints. Build pride and passion to protect, maintain and enhance DBS image and reputation. Enhance knowledge base, build skill sets & develop competencies. Execute at speed while maintaining error free operations.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions across 600 branches across the country. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits (incl. structured solutions for NRI), investments, insurance, mortgages, credit cards and personal loans to help our customers realise their dreams and aspirations at every life stage. Job Purpose: To deliver exceptional volume and revenue performance by acquiring and engaging with DBS Treasures clients having a total relationship value => INR 30 lakhs through need-based approach” and ensure client coverage and product penetration through cross-sell and up-sell of DBS products and services. Key Accountabilities Acquire and upgrade quality Treasures clients in the branch location areas Engage with existing customers to deepen the wallet share through retention and growth of of Total Relationship Value (TRV). Accountable for achieving annual volume and revenue objective. Ensure Savings Book and loan book growth Ensure proper implementation & execution of product strategies through effective relationship management. Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions Drive and deliver exemplary customer service in the local market and uphold DBS service standards. Ensure internal and regulatory compliance through strict adherence to DBS processes. Job Duties: Establish, manage and grow the TRV of the elite Treasures Client segment by acquiring and nurturing the clients having AUM => INR 10 M Ensure timely portfolio review by jointly engaging with Wealth / Investment / Insurance specialist with clients. Ensure complete knowledge of all products & services through continuous skill and knowledge improvement. Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy. Provide feedback on market, competition, and products, suggest innovations & ideas for continuous product and service improvements. Ensure internal and regulatory compliance and address operational risks if any. Requirements: 6-12 years of experience in HNI Sales / Wealth Management / Private Banking segment. Sound understanding of financial planning and wealth management products in India In-depth knowledge of local market and competition. AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage. Education / Preferred Qualification Graduate / Postgraduate with MBA in relevant field Core Competencies Effective probing and listening skills. Strong Relationship Management and influencing skills Self-driven and ambitious. Good written and verbal communication skills Results-oriented, analytical and ability to deliver results under pressure Understanding of competitive positioning Strong service orientation, customer-centric behavior. DBS India - Culture & Behavior Performance through Value Based Propositions Ensure customer focus by delighting customers & reduce complaints. Build pride and passion to protect, maintain and enhance DBS image and reputation. Enhance knowledge base, build skill sets & develop competencies. Execute at speed while maintaining error free operations.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Insurance counselor is the local insurance specialist for Bancassurance Business to enable Insurance objectives of the cluster/CBG branch location allocated. He/ She would be directly responsible for achieving the insurance revenue target for the branch / cluster. Key Accountabilities Accountable for achieving monthly & annual Banca sales targets, as agreed. Target comprises of New Business revenues, Renewal income target and the General Insurance revenue target. Ensure proper implementation & execution of insurance strategy for month for the branch and sourcing of Insurance proposals through the Tablet application. Ensure implementation at the Branch the timely sessions and attendance of eligible participants for knowledge / skilling sessions of AKASH for the front line sales team. Prospect list identification with RMs basis the strategy for the month through Joint sitting with TLs. Working with Team Leaders and Micro Marketing Managers to execute business development activities as per the monthly plan aimed at generating insurance prospects, and follow by action plan to convert the prospects to clients of insurance. Ensure proper sales spread between products mix aimed at maximizing revenue earnings of Bancassurance products and also creating a sustainable revenue flow for the branch through renewals. Sustained increases in insurance penetration of existing through cross sell and up sell of insurance products including Online insurance plans. Drive and deliver a radical improvement in customer service in the local market which is reflected in CSS score of 4.20 or above for insurance products. Ensure highest levels of persistency by facilitating timely collection of renewal premium and enable client contact management for insurance clients. Timely resolution of client complaints on insurance and escalation of the same to insurer through the Bancassurance team. Ensure regulatory compliance by timely IRDA Certification & Renewal of Certificates of sales staff as Specified Person for DBS as a Corporate Agent. Job Duties & Responsibilities Core responsibility of DBS Insurance Counselor is to ensure alignment of self and Aviva ICs on the execution of 5 key levers as per the 2015 Banca strategy at DBS Branches. Demonstrate the inputs at the Branch with an average of minimum of 3 insurance calls per day for the month. Facilitate IRDA certification of new joinees within 3 months of their joining DBS and track for timely renewal of certificates. Facilitate product & KYC/AML training for new joinees within 1 month of their joining DBS. Initiates identification and development of new business segments and geographical areas to generate business opportunities Manage customer s issues on service or insurance needs. Escalate to Banca team if required. Ensure training & briefing on all product launches & upgrades at the Branch. Keep attuned to the current economic and financial markets so as to be current and proficient in attending to customers queries and update Front line sales on the same. Facilitate TRM activation through the referral of On-line insurance products of the insurer to enable mindshare of TRMs. Ensure internal & regulatory compliance and adherence to internal DBS Sales process. Track and review insurance penetration of client base for RM by identifying prospects from base and cross selling to existing DBS clients. Facilitate customer segmentation for insurance products and help in specific sales pitches to respective segments through the Tablet application developed by the insurer. Ensure follow up for renewal premiums to increase persistency and subsequent renewal revenues. Ensure that call out to clients are made post insurance sales within 45 days of issuance to check for policy document receipt and address clarifications if sought. Undertake frequent competitor analysis so that DBS product suite is in line with (or ahead of) competing banks / insurers. These updates to be shared with front line team and Banca team at regular intervals. Required Experience Minimum 10 years of experience in HNI Sales / Wealth Management / Private Banking segment. Sound understanding of financial planning and wealth management products in India In-depth knowledge of local market and competition. AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage Education / Preferred Qualifications Graduate / Post Graduate with MBA in relevant field DBS India - Culture & Behaviors Performance through Value Based Propositions Ensure customer focus by delighting customers & reduce complaints Build pride and passion to protect, maintain and enhance DBS image and reputation Enhance knowledge base, build skill sets & develop competencies Execute at speed while maintaining error free operations Maintain the highest standards of honesty and integrity

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Differentiated Customer Experiences Leading through Service Job Duties responsibilities Ensure each client escalation is owned and closed within 24 hours. In case of exceeding 24 hours TAT, client is informed on a periodic basis by yourself on delay and resolution date. Adhering to the Service Management Principles: Increase client interactions and ensure that they are handled as per the RED Service standards Mandatory 100% coverage and contact-ability of all clients under various service led campaigns in CRM 100% mandatory coverage of all qualified Treasures every quarter Ensure 100% implementation of CBG Client Contact Management Policy Ensure 20 Unique clients are covered every month under CCM, and details updated in CRM or as per applicable target. Requirements: Minimum 4-5 years of front line client experience with a leading bank or financial institution. Education / Preferred Qualifications Graduate/Postgraduate Core Competencies Take ownership and be accountable for all customer issues: updating CRM, end to end customer complaint journey management; first time resolution, doing things right the first time- Embed the service culture for all customer touchpoints particularly complaint resolution and client communication Support the sales team to acquire 60% of the customers digitally IWealth, Pweb, etc. Ensure risk and governance factors of the branch are always monitored and addressed. Potential breaches must be highlighted immediately Increase customer satisfaction scores - Minimum CSS and Problem Resolution scores of 4.1 for the Cluster, brand awareness and customer preference indicators Support the CSOs (Client Service Officers) on daily BAU as per requirement Co-ordinate with support functions for ad-hoc banking related requirement received from clients Customer service lobby management (client walk-ins) for mapped branches Maintain and grow relationships with each Treasure client by ensuring and establishing individual connect outside of CCM Account Opening and static data STP to be maintained at >80% or as per targets decided by Senior Management. Resolution of 95% of branch requests and enquiry within stipulated TATs Ensure resolution of 100% complaints within 1 day Technical Competencies Should have knowledge on banking terminologies, branch banking processes, digital banking, UPI Preferred to have working experience on CRM applications Should be well versed with MS -Office applications like WORD, EXCEL, POWER POINT Work Relationship Complete all pending risk reviews, CRM, AML, Re-KYC, EWSS Surveillance alerts and ensuring no alerts remain over-due. Ensure on time calling for all I-Wealth leads Ensure TRE and Global Indian clients are given priority processing and attention Ensure timely closure of Deferrals taken within the stipulated timelines

Job Purpose Is responsible for Classic portfolio management by acquisition of new Classic customers and enhancement of the relationship by cross-selling products and services as per the profile & need of the customers. Acquiring family accounts and deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers. So that We become the primary banker for these Classic relationships and maximize the share of wallet of these customers. Job Responsibilities(JR) Actionable Sales Maintain Daily Sales Report CH 106 and CH 104 Calling Structured bundled offering of Products and Services to the customer within the defined time line Ensure quality new acquisition on SA and CA for Resident/Non Resident Walk Ins Portfolio Referrals Friends Associates Family members Attrition control Includes persuading the customer to continue and if required renew FDs Deepen by cross selling sticky products like Demat, Bill Pay, Advisory. Ensure quality of relationship while flagging. Should be capable of maintaining eligibility Regular customer contact to establish needs of the customer and opportunities to cross-sell Monitor large amount movements and account closure from the deposit accounts and ensure that customer does not attrite Ensure that the marketing analytics list on possible attrite, is called and retained Penetration of Saving Accounts on non liability customers Propagate the benefits of not being on DNC registration list in case a non-portfolio customer opts for it Utilizing the sales resources (BDR/COEX) for optimal sales support Penetration of FD to unique customers Using Data-mine for cross-selling Sales of various Credit Cards Activation Pitch for enhancement of limits Promote active usage of credit cards Ensure that the customer avails of add-on card for his family members Sales of Third Party Products to the customers MF/Insurance/RBI Bonds Ensure that requisite certifications are done (NISM V-A) Sales of Asset Products Disseminating product information Activation: To ensure that all accounts savings and current account (non ABM branches) opened in the month are activated as per product definition at the end of the next month. All such accounts to maintain more than the required AMB Activation of LTD a/cs: To ensure that all LTD accounts are activated and remain in the same state month on month. Maintain the list of active and inactive customers for both CA and SB and engage with the customers for balance build up and cross sell. Calling of customers who have not transacted and know the reasons. Escalate to BM Product on any change in market situation threat from competition due to which customers have stopped operations. Corporate Salary: Calling on customers who transfer their salary a/cs to other banks immediately on credit To ensure such customers are engaged and brought back to bank fold To cross sell loan products with other banks for which such transfer may take place To cross sell investments to such customers by which they will tend to maintain balances Calling on Large Value Attrition: Customers who have attrited over a certain value (as defined by product) for both savings and current accounts to be called and reasons ascertained To impress upon customers to make us the primary bankers and ensure that all funds are retained. Enhancing customer wallet size Ensuring that customers make us their primary bank Knowing about where all the customer is currently banking and moving him to our Bank Ensuring that customer scope is done and products targeted accordingly Sales to family members and associates (all network) Attrition control of customers Includes persuading the customer to continue and if required renew FDs Monitor large amount movements account closure from the deposit accounts and ensure that customer does not attrite Ensure that the marketing analytics list on possible attrite, is called and retained Managing Classic Portfolio Manage the benchmark no. of customers in the portfolio Extend Classic benefits to customers basis identification in eligibility lists/ LTR Ensure that individual customers are grouped and C ustomer T o G roup (CTG) Ratio is maintained on the portfolio By grouping them with their family members who already hold accounts with us By grouping them with their family members post selling liability products to the family members, if they do not have banking relationship with us Ensure that optimal levels of I ncome generating P roduct G roup H olding (IPH) is reached Ensure that within each customer group a minimum number of stipulated Income Generating products are sold Ensure that the Customer Group profitability is achieved Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and above Enhance Values within each of the customer groups Online updation of CRMNext at every stage of customer contact on the portfolio Proactively raising the eligible customers to the classic portfolio within the prescribed product product programme Ensure that all classic customers within the portfolio are contacted Usage of APT and data in CRM for effective call planning and review with BH PBA(Pre call planning and post call review ) Detailed updation of interaction to be captured in CRM , Tasks/ leads to be created , profiler to be updated on same day of interaction. Achievement of income plans and other benchmarks within portfolio Ensure that income plans for the month and year are duly met across products Achieving of portfolio level benchmarks of and IPH Income product to be sold to each group of the portfolio in the year Ensure that the benchmark sales per month is met Usage of netbanking Mobile banking , Billpay , RDFD penetration benchmark to be met CEP to be met as per cycle All customers to have valid mobile and email address . Customer services Ensure quality customer service is delivered Recording complaints as per the specified process Resolving all complaints received (self, branch, other units) within the stipulated TATs Ensure appropriate customer communication on closures & copy of that to be filed. Preventive complaint management Asking for feedback from customers, who may not be complaining Promoting all direct banking channels and ensuring that the customer is utilizing the same Check back on recent customers registered to DBC channel and give any specific help required Responsibility of opening the customer account within the TAT. Operations Ensure certification of documentation required for opening and maintaining customer accounts Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc) Maintaining Tatkal kits as per laid down process As a locker custodian ensure that locker allotment and all other related operations is as per prescribed process Includes managing standing instructions Submission of daily e-schedule indicating the third party sales done Updation of CRM for the asset leads generated Updation of weed-out database on the portal Ensure KYC norms are adhered to at all points of time Ensure that 5-S norms are adhered to for individuals workstation Opening of accounts under smart account mode Educational Qualifications Key Skills Graduation: Post-Graduation: Certifications: NISM V-A Certification IRDA Certification NCFM Certification (Optional) CAIIB (Optional) Internal Certification GI certification Sales and Influencing Skills Banking Product & Process Knowledge NRI Product and Regulatory Knowledge Planning and Organizing Skills Communication Knowledge of Competition & Current trends in financial Industry . Experience Required Minimum experience in years 1 yr Exposure to banking preferable Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) Customers Branch Banking Team Operations Insurance CAM MF Fund houses personnel HSL personnel

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose: A person in this role will ensure awareness of and adherence to processes, policies and codes of conduct laid down for CBG frontline staff. He/she will also be responsible for continuously identifying new areas of focus requiring creation of controls/processes absent or inadequate, process strengthening and additional monitoring. This person s work will be used for monitoring health (compliance to regulatory and bank standards) and preparing for future risk perceived areas. Key Accountabilities, KPIs and Job Responsibilities: Ensure achievement of Investment Product Volumes and Revenue objectives of the VRM. Ensure AMFI certification / EUIN transfer of new joiners and existing team members and timely renewal of the same. Impart effective training on new product launch / refresher training on investment, alternate and Forex, AML and other mandatory trainings and keep the record of attendance to comply with internal and regulatory guidelines. Ensure implementation of investment sales process and the investment profile suitability of clients to the products purchased. Ensure sustainable trail income for the Bank through driving the Mutual Volumes while driving activation of team members for Investment and Forex products. Provide feedback from market and customers to Central Investment Product team for continuous improvement / ideation for new product and processes. Ensure timely dissemination of knowledge on products, market updates and fund fact sheets amongst front line team members and Unit Heads. Track the input activities of team members through client book analysis and align the activities to the desired investment volumes and revenue objectives. Always ensure customer-centricity, adherence to fair dealing norms and compliance to internal and regulatory guidelines at VRM. Ensure adequacy of product brochures, addendums and proposal forms at VRM repository and check for replenishment of sales kit of RMs Ensure complaint resolution within the approved TAT through coordination with Central Investment product team and insurer partners at VRM unit. Requirements : Demonstrated track record in FLOD, managing regulatory and operational risk along with process adherence Exposure to monitoring of sales processes & regulatory compliance will be highly advantageous Intensive knowledge of Indian banking and regulatory guidelines Equipped with knowledge of sales & client interface best practices/industry developments Minimum 7 9 years experience in banking, first line of defence (FLOD), continuous audits and process controls Experience of multi-tasking, managing multiple stakeholders and independently having senior level interactions Prior exposure to process writing, controls and governance Education/Preferred Qualification”: Bachelor s degree from a recognized university Post graduate qualifications are desirable but not necessary if suitably compensated by top notch exposure to above listed experience Professional qualifications or certifications on process adherence, audits, etc. are desirable but not mandatory

As a Product Manager in the Assets Team, you will contribute to success of secured and unsecured consumer asset products. You will part of initiatives to conceptualize, design, and launch innovative financial products while leveraging technology and data to deliver exceptional customer experiences. This is an exciting opportunity to work with a dynamic team to drive growth, enhance profitability, and build partnerships that create a lasting impact. Key Accountabilities: - Innovative Product Development: o Conceptualize and launch financial products tailored to customer needs, focusing on growth and market differentiation. o Work with cross-functional teams to ensure seamless implementation of product strategies. - Digital Transformation and Customer-Centricity: o Collaborate with technology teams to drive digital-first innovations, creating user-friendly interfaces and seamless customer journeys. o Gather customer insights to improve product features and user experience. - Market Research and Strategy: o Conduct market and competitor analysis to identify emerging trends and opportunities. o Develop data-driven strategies to optimize product performance and achieve KPIs. - Revenue and Profitability Management: o Assist in tracking product performance, revenue, and profitability. o Identify areas for growth and work on strategies to enhance portfolio returns. - Collaboration and Stakeholder Management: o Work closely with business development, marketing, risk, and legal teams to ensure product compliance and alignment with organizational goals. o Build strong relationships with partners and vendors to create value-driven alliances. Job Duties & responsibilities: - Support the end-to-end lifecycle of retail asset products, including ideation, design, development, and go-to-market strategies. - Analyze customer data to refine product features and align them with evolving customer needs. - Contribute to strategic projects, such as digital transformation initiatives, to drive operational efficiency and enhance product appeal. - Develop presentations and business cases for new product initiatives to gain management buy-in. - Ensure adherence to regulatory and compliance guidelines while developing products. Required Experience: 0 to 3 years of Pre MBA experience. Education / Preferred Qualifications: MBA - with a specialization in Finance Core Competencies: - Analytical thinking with a data-driven approach to problem-solving. - Strong communication and interpersonal skills to work effectively with cross-functional teams. - Customer-first mindset with the ability to think creatively and innovate. - Proactive and adaptable in a fast-paced environment. Technical Competencies: - Proficiency in tools like Excel, PowerPoint, and data visualization software - Basic understanding of liability products and payments. - Familiarity with digital platforms and customer journey mapping would be added advantage Work Relationship: - CBG Distribution Team - CBG and Central Marketing Team - CBG Risk Management Team - Finance Team. - Legal and compliance team DBS India - Culture & Behaviors: - Performance through Value Based Propositions - Ensure customer focus by delighting customers & reduce complaints - Build pride and passion to protect, maintain and enhance DBS image and reputation - Enhance knowledge base, build skill sets & develop competencies - Execute at speed while maintaining error free operations - Maintain the highest standards of honesty and integrity

As a Quant Analytics Associate within the Consumer Banking Sales Science Analytics team, you will leverage a variety of analytical tools and methodologies to enhance banker and branch assignments. You will perform comprehensive analyses to maintain alignment with business goals and pinpoint opportunities for optimization. Job Responsibilities Leverage a wide range of analytical tools and techniques to optimize banker and branch assignments. Conduct thorough analyses to understand the implications of assignment strategies, ensuring alignment with business objectives and identifying opportunities for optimization. Monitor and analyze experimental data to identify anomalies, trends, and patterns, and effectively assess the impact of banker and branch assignments. Effectively communicate with project team members and stakeholders throughout the project lifecycle (status updates, gaps/risks, roadblocks, findings, etc.). Create compelling visualizations and presentations that effectively convey complex data insights and strategic recommendations to stakeholders. Required Qualifications, Capabilities, and Skills Bachelor s or Master s Degree in a quantitative discipline such as business, finance, economics, engineering, statistics, information systems, or mathematics with 5+ years of hands-on experience. Expertise in SQL, Python/R, and Alteryx. Experience with customer segmentation, profiling, clustering analysis, inferential statistics, data mining, and experimental design techniques. Experience in wrangling large, complex datasets, strong database skills, and ability to write, optimize, and tune complex SQL scripts. Strong problem-solving mindset and ability to think both independently and collaboratively to implement creative solutions that solve business problems. Strong business acumen and ability to translate technical details, observations, and inferences into business language. Self-motivated, goal-oriented, and able to deliver in an innovation-oriented and fast-paced environment.

Job Purpose Is responsible for Classic portfolio management by acquisition of new Classic customers and enhancement of the relationship by cross-selling products and services as per the profile & need of the customers. Acquiring family accounts and deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers. So that We become the primary banker for these Classic relationships and maximize the share of wallet of these customers. Job Responsibilities(JR) Actionable Sales Maintain Daily Sales Report CH 106 and CH 104 Calling Structured bundled offering of Products and Services to the customer within the defined time line Ensure quality new acquisition on SA and CA for Resident/Non Resident Walk Ins Portfolio Referrals Friends Associates Family members Attrition control Includes persuading the customer to continue and if required renew FDs Deepen by cross selling sticky products like Demat, Bill Pay, Advisory. Ensure quality of relationship while flagging. Should be capable of maintaining eligibility Regular customer contact to establish needs of the customer and opportunities to cross-sell Monitor large amount movements and account closure from the deposit accounts and ensure that customer does not attrite Ensure that the marketing analytics list on possible attrite, is called and retained Penetration of Saving Accounts on non liability customers Propagate the benefits of not being on DNC registration list in case a non-portfolio customer opts for it Utilizing the sales resources (BDR/COEX) for optimal sales support Penetration of FD to unique customers Using Data-mine for cross-selling Sales of various Credit Cards Activation Pitch for enhancement of limits Promote active usage of credit cards Ensure that the customer avails of add-on card for his family members Sales of Third Party Products to the customers MF/Insurance/RBI Bonds Ensure that requisite certifications are done (NISM V-A) Sales of Asset Products Disseminating product information Activation: To ensure that all accounts savings and current account (non ABM branches) opened in the month are activated as per product definition at the end of the next month. All such accounts to maintain more than the required AMB Activation of LTD a/cs: To ensure that all LTD accounts are activated and remain in the same state month on month. Maintain the list of active and inactive customers for both CA and SB and engage with the customers for balance build up and cross sell. Calling of customers who have not transacted and know the reasons. Escalate to BM Product on any change in market situation threat from competition due to which customers have stopped operations. Corporate Salary: Calling on customers who transfer their salary a/cs to other banks immediately on credit To ensure such customers are engaged and brought back to bank fold To cross sell loan products with other banks for which such transfer may take place To cross sell investments to such customers by which they will tend to maintain balances Calling on Large Value Attrition: Customers who have attrited over a certain value (as defined by product) for both savings and current accounts to be called and reasons ascertained To impress upon customers to make us the primary bankers and ensure that all funds are retained. Enhancing customer wallet size Ensuring that customers make us their primary bank Knowing about where all the customer is currently banking and moving him to our Bank Ensuring that customer scope is done and products targeted accordingly Sales to family members and associates (all network) Attrition control of customers Includes persuading the customer to continue and if required renew FDs Monitor large amount movements account closure from the deposit accounts and ensure that customer does not attrite Ensure that the marketing analytics list on possible attrite, is called and retained Managing Classic Portfolio Manage the benchmark no. of customers in the portfolio Extend Classic benefits to customers basis identification in eligibility lists/ LTR Ensure that individual customers are grouped and C ustomer T o G roup (CTG) Ratio is maintained on the portfolio By grouping them with their family members who already hold accounts with us By grouping them with their family members post selling liability products to the family members, if they do not have banking relationship with us Ensure that optimal levels of I ncome generating P roduct G roup H olding (IPH) is reached Ensure that within each customer group a minimum number of stipulated Income Generating products are sold Ensure that the Customer Group profitability is achieved Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and above Enhance Values within each of the customer groups Online updation of CRMNext at every stage of customer contact on the portfolio Proactively raising the eligible customers to the classic portfolio within the prescribed product product programme Ensure that all classic customers within the portfolio are contacted Usage of APT and data in CRM for effective call planning and review with BH PBA(Pre call planning and post call review ) Detailed updation of interaction to be captured in CRM , Tasks/ leads to be created , profiler to be updated on same day of interaction. Achievement of income plans and other benchmarks within portfolio Ensure that income plans for the month and year are duly met across products Achieving of portfolio level benchmarks of and IPH Income product to be sold to each group of the portfolio in the year Ensure that the benchmark sales per month is met Usage of netbanking Mobile banking , Billpay , RDFD penetration benchmark to be met CEP to be met as per cycle All customers to have valid mobile and email address . Customer services Ensure quality customer service is delivered Recording complaints as per the specified process Resolving all complaints received (self, branch, other units) within the stipulated TATs Ensure appropriate customer communication on closures & copy of that to be filed. Preventive complaint management Asking for feedback from customers, who may not be complaining Promoting all direct banking channels and ensuring that the customer is utilizing the same Check back on recent customers registered to DBC channel and give any specific help required Responsibility of opening the customer account within the TAT. Operations Ensure certification of documentation required for opening and maintaining customer accounts Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc) Maintaining Tatkal kits as per laid down process As a locker custodian ensure that locker allotment and all other related operations is as per prescribed process Includes managing standing instructions Submission of daily e-schedule indicating the third party sales done Updation of CRM for the asset leads generated Updation of weed-out database on the portal Ensure KYC norms are adhered to at all points of time Ensure that 5-S norms are adhered to for individuals workstation Opening of accounts under smart account mode Educational Qualifications Key Skills Graduation: Post-Graduation: Certifications: NISM V-A Certification IRDA Certification NCFM Certification (Optional) CAIIB (Optional) Internal Certification GI certification Sales and Influencing Skills Banking Product & Process Knowledge NRI Product and Regulatory Knowledge Planning and Organizing Skills Communication Knowledge of Competition & Current trends in financial Industry . Experience Required Minimum experience in years 1 yr Exposure to banking preferable Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) Customers Branch Banking Team Operations Insurance CAM MF Fund houses personnel HSL personnel

End to End Analytics coding. Validate the soundness, accuracy and performance of statistical and ML models. Experience with SAS/SQL logic based programming. Solid understanding of the consumer credit lending lifecycle and card programs. Required Candidate profile Business analytics experience to include: Hands-on experience with SAS, Python or SQL Hands-on experience with data visualisation tools e.g. Tableau, Power BI Project management experience

Preferred candidate profile : 15+ years experience in the Technology industry. 5+ years Architecture Experience with developing or running agile practices in large organisations with regulatory and legacy constraints. Business acumen in Personal Banking (Retail banking or Consumer banking) .Engagement and influence in legacy platform systems decom / tech debt embedded in the roadmap.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Differentiated Customer Experiences Leading through Service Job Duties & responsibilities Ensure each client escalation is owned and closed within 24 hours. In case of exceeding 24 hours TAT, client is informed on a periodic basis by yourself on delay and resolution date. Adhering to the Service Management Principles: Increase client interactions and ensure that they are handled as per the RED Service standards Mandatory 100% coverage and contact-ability of all clients under various service led campaigns in CRM 100% mandatory coverage of all qualified Treasures every quarter Ensure 100% implementation of CBG Client Contact Management Policy Ensure 20 Unique clients are covered every month under CCM, and details updated in CRM or as per applicable target. Requirements Minimum 4-5 years of front line client experience with a leading bank or financial institution. Education / Preferred Qualifications Graduate/Postgraduate Core Competencies Take ownership and be accountable for all customer issues: updating CRM, end to end customer complaint journey management; first time resolution, doing things right the first time- Embed the service culture for all customer touchpoints particularly complaint resolution and client communication Support the sales team to acquire 60% of the customers digitally IWealth, Pweb, etc. Ensure risk and governance factors of the branch are always monitored and addressed. Potential breaches must be highlighted immediately Increase customer satisfaction scores - Minimum CSS and Problem Resolution scores of 4.1 for the Cluster, brand awareness and customer preference indicators Support the CSOs (Client Service Officers) on daily BAU as per requirement Co-ordinate with support functions for ad-hoc banking related requirement received from clients Customer service lobby management (client walk-ins) for mapped branches Maintain and grow relationships with each Treasure client by ensuring and establishing individual connect outside of CCM Account Opening and static data STP to be maintained at >80% or as per targets decided by Senior Management. Resolution of 95% of branch requests and enquiry within stipulated TATs Ensure resolution of 100% complaints within 1 day Technical Competencies Should have knowledge on banking terminologies, branch banking processes, digital banking, UPI Preferred to have working experience on CRM applications Should be well versed with MS -Office applications like WORD, EXCEL, POWER POINT Work Relationship Complete all pending risk reviews, CRM, AML, Re-KYC, EWSS & Surveillance alerts and ensuring no alerts remain over-due. Ensure on time calling for all I-Wealth leads Ensure TRE and Global Indian clients are given priority processing and attention Ensure timely closure of Deferrals taken within the stipulated timelines Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements . -en

Support compliance with U.S. consumer financial laws and regulations applicable to consumer products issued in the United States through monitoring and testing Support execution of the Firm s compliance program for consumer banking operations, focusing on consumer facing processes Identify consumer compliance risks associated with business processes and practices in areas related to consumer products and platforms Present findings to compliance senior management and other stakeholders Leverage technology to facilitate monitoring and reporting of compliance risk and drive process enhancements Basic Qualifications: Bachelor s degree 2+ years of experience working with in banking, compliance and/or auditing Strong analytical and problem-solving skills Project management and organizational skills Proficiency in Excel (pivot tables, VLookups) and PowerPoint Willingness to adapt in a fast-paced work environment; strong sense of urgency Strong written and verbal communication skills with the ability to summarize observations and present in a clear, concise manner to peers Ability to quickly grasp new complex concepts and regulations Ability to identify opportunities for process improvements Ability to work independently and be team-oriented Strong work ethic Preferred Qualifications: Basic knowledge of regulations governing the US consumer banking industry and/or US Mortgage Lending / Servicing. Experience in compliance monitoring / testing programs