Senior Associate, Specialist, Credit Analysis, Middle Market, Institutional Banking Group

As a Relationship Manager within the Institutional Banking Group, you will play a crucial role in providing corporate customers with a wide array of commercial banking products and services. Your responsibilities will include selling cash management services, current accounts, time deposits, trade finance, working capital finance, term loans, and foreign exchange solutions to both existing and new clients. Your main objective will be to support Relationship Management teams by assisting in various activities. This includes preparing and submitting Credit Memos to CCG, handling documentation formalities in collaboration with clients and CCU, aiding RMs in completing Legal & Valuation reports, following up on overdue accounts, and providing client servicing support by coordinating with internal units. Additionally, you will be responsible for identifying early warning signs within the portfolio, managing existing client portfolios, exploring cross-selling opportunities for transaction banking products, and helping the team detect any potential risks. Key responsibilities will encompass preparing accurate credit proposals, maintaining close relationships with the Business Unit to ensure IBG deliverables are met, conducting need-based meetings with customers to understand their business and risks, cross-selling additional products such as trade, cash, and foreign exchange, monitoring portfolios for irregularities, ensuring compliance with regulatory reporting, enforcing risk management guidelines, minimizing bad debts & NPAs, enhancing customer retention and increasing wallet share, monitoring complaints and service quality, and communicating key messages to customers effectively. In terms of qualifications, you are expected to have 5-8 years of experience in sales or sales support activities, with 2-3 years specifically in business banking and/or cash management. A proven track record in asset business within the SME/Business Banking segment is crucial, along with knowledge of competitors and the marketplace. An MBA or CA with relevant banking experience is preferred for this role. Core competencies required include excellent written and verbal communication skills, strong analytical abilities, self-motivation, results orientation, relationship building skills, understanding of competitor products, and comfort in handling tight deadlines. Technical competencies should include a sound understanding of asset products, associated technology platforms, operational procedures, regulatory guidelines, local laws, KYC requirements, anti-money laundering policies, financial markets, and competitor offerings. You will closely interact with Relationship Managers, Branch Managers, and various stakeholders to ensure consistent onboarding of high-quality customers and reliable service delivery. This role at DBS India emphasizes a culture of valuing all employees, fostering continuous professional development, flexible working, and opportunities for growth within an inclusive and diverse environment. The expected behaviors include demonstrating business performance, ensuring customer focus, building pride and passion, enhancing self-knowledge and skills, and maintaining the highest standards of honesty and integrity.,