Senior Officer, Relationship Manager, Credit Program Small, Small Medium Enterprises

As a Relationship Manager in the Corporate and Investment Banking division of DBS, your primary role is to acquire and build a diversified portfolio within the IBG 4 segment. Your portfolio should generate revenue from various sources such as assets, trade, cash, treasury, and fees, while maintaining an acceptable risk level for the bank. Your responsibilities include: - Source new asset relationships within the IBG 4 segment in alignment with the bank's lending policy - Ensure a healthy Net Interest Income and fees across the portfolio through cross-selling of various products - Contribute to increasing the profitability of the branch - Monitor the portfolio effectively to maintain delinquencies at NIL - Implement the IBG4 business strategy to increase market share and achieve targets - Build the DBS brand value and enhance the network through marketing activities and collaborations - Comply with the bank's processes, policies, and ensure positive ratings during audits In your role, you will be expected to: - Source new asset relationships within IBG 4 segment and ensure sanction and disbursement in collaboration with the customer, risk, and operations team - Cross-sell liability, trade, cash, and treasury products actively - Conduct due diligence while onboarding new asset relationships - Increase the wallet share by exploring opportunities for cross-selling - Monitor accounts closely for timely renewals and provide feedback to the credit and portfolio team - Ensure compliance with KYC/AML requirements and other policies - Maintain communication with local business stakeholders to stay updated on market practices Requirements: - 5-10 years of overall sales experience - 3 years of sales experience in SME/Business Banking Lending - Proven track record in asset business in the SME/Business Banking segment - Knowledge of competitors and marketplace dynamics Education / Preferred Qualifications: - Bachelor's in finance, economics, commerce, MBA, or CA Core Competencies: - Excellent communication and listening skills - Strong sales and negotiation skills Technical Competencies: - Working capital finance knowledge At DBS India, we are committed to fostering a culture where all employees are valued, respected, and provided with opportunities for continuous professional growth. Our core values include demonstrating business performance, customer focus, pride, passion, self-improvement, and maintaining honesty and integrity. If you are looking to be part of a dynamic environment that supports your development and recognizes your achievements, we invite you to apply for the Relationship Management position in our Corporate and Investment Banking division in Karur West, Tamil Nadu, India.,