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

As a Relationship Manager in the Institutional Banking Group, your role involves supporting the Relationship Management teams in various activities to ensure smooth operations and customer satisfaction. Your key responsibilities include: - Preparation and submission of Credit Memo to CCG - Completion of documentation formalities in coordination with the client & CCU - Assisting RM in completing Legal & Valuation reports - Follow up of overdue for regularization - Client servicing in coordination with internal units - Highlighting any early warning signs of the portfolio to the RMs - Managing the existing portfolio of all clients for the designated relationship teams - Exploring opportunities for cross-selling other transaction banking products - Helping the team in detecting early warning signals in their portfolios Key Accountabilities: - Prepare accurate credit proposals consistently and concisely - Maintain a close working relationship with Business Unit to meet IBG deliverables - Conduct need-based meetings with customers to understand business and risks - Cross-sell other products such as trade, cash, and foreign exchange - Monitor portfolio for irregularities, excesses, breaches, and delays - Ensure regulatory reporting & compliances are enforced - Work with the legal team to ensure recoveries & minimize bad debts - Ensure customer retention & increase wallet share - Control and maintain the quality of the portfolio - Monitor levels of complaints and quality of handling - Communicate key messages to customers including service standards, pricing, and new product changes - Ensure adherence to risk service standards In terms of qualifications and experience, you should have: - Overall, 5-8 years of experience in sales/sales support activities - 2-3 years of sales experience in business banking and/or cash management - Proven sales track record in asset business in the SME/Business Banking segment - Knowledge of competitors and marketplace - An MBA or CA with relevant years of experience in banking and selling asset products in the Mid-Market Banking segment Core Competencies: - Good written and verbal communication skills - Good analytical skills - Self-driven and highly ambitious - Results-oriented with the ability to handle pressure - Relationship building & management skills - Understanding of competitor products - Comfortable with tight deadlines Technical Competencies: - Sound understanding of asset products and associated technology platforms - Knowledge of regulatory guidelines on banking policies - Understanding of financial markets, products & competitor offerings Your work relationships will involve close interaction with RMs/Branch Managers to onboard quality customers and ensure reliable service delivery. Additionally, DBS India prioritizes a culture of continuous professional development, inclusivity, and value-driven behaviors. As a Relationship Manager in the Institutional Banking Group, your role involves supporting the Relationship Management teams in various activities to ensure smooth operations and customer satisfaction. Your key responsibilities include: - Preparation and submission of Credit Memo to CCG - Completion of documentation formalities in coordination with the client & CCU - Assisting RM in completing Legal & Valuation reports - Follow up of overdue for regularization - Client servicing in coordination with internal units - Highlighting any early warning signs of the portfolio to the RMs - Managing the existing portfolio of all clients for the designated relationship teams - Exploring opportunities for cross-selling other transaction banking products - Helping the team in detecting early warning signals in their portfolios Key Accountabilities: - Prepare accurate credit proposals consistently and concisely - Maintain a close working relationship with Business Unit to meet IBG deliverables - Conduct need-based meetings with customers to understand business and risks - Cross-sell other products such as trade, cash, and foreign exchange - Monitor portfolio for irregularities, excesses, breaches, and delays - Ensure regulatory reporting & compliances are enforced - Work with the legal team to ensure recoveries & minimize bad debts - Ensure customer retention & increase wallet share - Control and maintain the quality of the portfolio - Monitor levels of complaints and quality of handling - Communicate key messages to customers including service standards, pricing, and new product changes - Ensure adherence to risk service standards In terms of qualifications and experience, you should have: - Overall, 5-8 years of experience in sales/sales support activities - 2-3 years of sales experience in business banking and/or cash management - Proven sales track record in asset business in the SME/Business Banking segment - Knowledge of competitors and marketplace - An MBA or CA with relevant years of experience in banking and selling asset products in the Mid-Market Banking seg