Business Function

Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.

Job Purpose

To support Relationship Management teams in the following activities,
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
Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other transaction banking products and help the team in detecting early warning signals in their portfolios

Key Accountabilities

To prepare credit proposals in a consistent, concise and lucid manner
To maintain close working relationship with Business Unit to ensure that IBG deliverables are met
Need-based meeting with customers to understand business and attendant risks
Cross sell of other products such as trade, cash and foreign exchange
To monitor portfolio for irregularities/ excesses/ breaches/ delays
Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal audits
Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints
Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies
Monitor levels of complaints and quality of handling
Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes
Monitor and ensure adherence to risk service standards

Job Duties & Responsibilities

Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS
Providing concise and relevant financial analysis by clearly identifying risks
Ensure reviews are completed prior to due date and are error free
Interact and follow up with clients on required information and clarifications
Adhere to the risk management guidelines of DBS, MAS and RBI
Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio
Control and manage the risk profile for the overall Team portfolio
Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets
Develop Account Relationship Plans for customers in portfolio

Requirements

Overall experice in sales / sales support activities
2 - 5 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
Market knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable
Education / Preferred Qualifications
An MBA or CA with relevant number of years of experience in banking and specifically in 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-orientated & 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 and operational procedures
Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical
Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

Work Relationship

Close interaction with RMs / Branch Managers to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets
Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer

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

Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions
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.

Primary Location

India-Delhi-New Delhi

Job

Risk Management

Schedule

Regular

Job Type

Full-time

Job Posting

Jan 29, 2026, 10:30:00 AM

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