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
✔ Foreign exchange

Through our continued commitment, DBS has built long-standing relationships with customers based on:
✅ Account relationship management
✅ Service differentiation & product development
✅ Rigorous credit standards

Job Purpose

The role focuses on acquiring and building a diversified portfolio within the IBG 4 segment. The Relationship Manager is expected to:

• Generate revenue from diversified sources (assets, trade, cash, treasury, fees, etc.)
• Ensure a healthy income with an acceptable risk to the bank
• Deliver results aligned with the bank’s lending guidelines

Key Accountabilities

• Source New-to-Bank (NTB) Asset relationships within the IBG 4 Segment (up to ₹100 Crore Turnover) in line with Bank Lending Policy
• Ensure a strong Net Interest Income (NII) and fee generation through cross-selling Trade, Liabilities, Cash, Treasury, and Fee-based products
• Play a key role in increasing branch profitability
• Monitor portfolio performance and maintain NIL delinquencies
• Execute IBG4 business strategy to grow market share, achieve revenue targets, and manage risk concentration
• Build DBS Brand Value through marketing activities, collaborations, and networking events
• Ensure compliance with bank policies & processes, maintaining positive ratings in all internal and external audits

Job Duties & Responsibilities

✅ Source NTB Asset relationships within the IBG 4 Segment (up to ₹25 Crore Turnover), ensuring sanction and disbursement in coordination with Customer, Risk, and Operations teams
✅ Actively cross-sell Liability, Trade, Cash, and Treasury products
✅ Achieve individual revenue targets across all product parameters
✅ Conduct due diligence while onboarding new asset relationships
✅ Develop account plans highlighting revenue potential, risks, and mitigants
✅ Increase wallet share by exploring cross-sell opportunities within the existing customer base
✅ Monitor accounts closely, ensuring timely renewals and flagging early warning signals
✅ Ensure strict adherence to covenants and conditions prescribed by the credit team
✅ Comply with KYC/AML regulations
✅ Provide timely MIS reports as per stipulated guidelines
✅ Complete learning programs assigned by DBS from time to time
✅ Engage with local business stakeholders (existing and prospective clients, market leaders, CAs, influencers, and industry associations) for market intelligence
✅ Report material business opportunities and customer risks to senior management at regular intervals

Requirements

Experience:

✔ 3-5 years of experience in sales
✔ 2 years in SME/Business Banking Lending
✔ Proven sales track record in asset business within the SME/Business Banking segment
✔ Strong market knowledge & competitor insights
✔ Experience in SME segment banking, including customer preferences and requirements

Education & Qualifications:

✔ Bachelor’s degree in Finance, Economics, Commerce OR MBA / CA

Core Competencies

✔ Excellent communication & listening skills
✔ Strong sales & negotiation abilities
✔ Working Capital Finance knowledge

Work Relationship

???? Reporting to Manager / Direct Report

DBS India - Culture & Behaviors

DBS is committed to building an inclusive workplace where all employees are valued, respected, and empowered. We take pride in fostering:
✅ Continuous professional development
✅ Flexible working environments
✅ Opportunities for career growth

Expected Value-Driven Behaviors:
✔ Demonstrate business performance through PRIDE 2.0 values
✔ Ensure customer focus by delighting customers and reducing complaints
✔ Build pride and passion to maintain and enhance DBS' reputation
✔ Enhance self-knowledge and develop competencies for continuous improvement
✔ Uphold the highest standards of honesty and integrity

Apply Now

We offer a competitive salary and benefits package, along with a dynamic environment that:
✔ Supports your professional growth
✔ Recognizes your achievements

Job Details

???? Primary Location: India – Delhi – New Delhi
???? Job Function: Relationship Management
???? Schedule: Regular
⏳ Job Type: Full-time
???? Job Posting Date: March 10, 2025, 10:30 AM
???? Industries: Banking, Financial Services, Investment Banking

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