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 acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank
The Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank

Key Accountabilities

Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy
Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc
Play an instrumental role in increasing the Profitability of the Branch
Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL
Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio
Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events
To comply with the Bank's process & policies and ensure positive ratings during all Country / Group audits

Job Duties & Responsibilities

Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team
Cross Sell of Asset, Trade, Cash and Treasury Product actively
To achieve the individual Budgeted revenues through all product parameters
Conduct Proper Due diligence while on-boarding New Asset Relationships
On board clients with a clear account plan highlighting the revenue potential, risks and mitigants
Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank
Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client's business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified
Thorough monitoring of accounts sourced and keep track on customer's business and report any early warning signals
Ensure Timely Renewals of Accounts
Ensure that the covenants and conditions prescribed by the credit team are consistently met
Adherence to strict KYC/AML requirements
MIS to be provided to the central team for further reporting, within the stipulated guidelines
Timely Completion of Learning Programs as assigned by DBS for time to time
To comply with the Bank's process & policies
To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA's, Influencer's and Industry association to be updated on the current market practice and local intelligence
To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval

Requirements

Overall 3- 5 years of experience in sales
2-3 years of sales experience in SME/Business Banking Lending
2-3 years experience in Working Capital sales and service portfolio
Proven sales track record in asset business in the SME/Business Banking segment
Knowledge of competitors and marketplace
Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred

Education / Preferred Qualifications

Bachelors in finance / Economics/Commerce or MBA or CA

Core Competencies

Excellent Communication & Listening Skills, Good Sales & Negotiation Skills

Technical Competencies

Working Capital Finance Knowledge

Work Relationship

Manager / Direct Report

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.

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Primary Location

India-Maharashtra-Mumbai

Job

Relationship Management

Schedule

Regular

Job Type

Full-time

Job Posting

Feb 24, 2026, 9:30:00 AM

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