Job Description
Description - External
Job Title Credit Analyst
Department SME, India
Section/ Business Area IBG 4
Job Status Permanent/ Full Time
Job Purpose
The role of Credit Analyst is to provide support Relationship Management Team in terms of timely processing the case for sanction and disbursement, help in ensuring that housekeeping activities are in order, ensuring overall client servicing for Portfolio growth/ Cross-Sell, timely Renewals and help team to ensure maintaining a healthy portfolio
Key Accountabilities
Timely completion and Processing of Credit Proposals to CCG
To maintain close working relationship with Business Unit and other stakeholders (CCU, CCG, Audit) to ensure that IBG deliverables are met
Supporting in timely completion of Housekeeping Activities for overall maintenance of healthy Portfolio and effective handling of Audit Queries
Ensuring Customer retention and Portfolio growth through overall customer servicing and tracking of Complaints
Generate Leads from Existing relationship
Job Duties & Responsibilities
Ensuring Completion of Documentation as per Pre-Sanction Checklist
Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS
Preparation of Credit Memo in a consistent, concise and lucid manner
Providing concise and relevant financial analysis by clearly identifying risks
Completion and Processing of Case through Credit Workflow (OSCA) to CCG
Resolution of Queries in coordination with the client & CCU
Assisting RM in completing Legal & Valuation reports
Initiating Fraud Checks for the case
Supporting for LO Issuance, execution of Disbursement Documentation and Limit Set Up
Managing E-2-E TAT for sourcing to Activation
Supporting in timely Housekeeping Activities (Timely submission of Stock statement, Call Report, QAR, Collateral Audit, etc.)
Ensuring Timely Renewals of Cases in the Portfolio
Ensure Supervision reviews are completed prior to due date and are error free
Adhere to the risk management guidelines of DBS, MAS and RBI
Conduct Stress Test and other Portfolio Monitoring Excercises based on requirement from Risk
Client servicing in coordination with internal units.
Interact and follow up with clients on required information and clarifications
Highlighting any early warning signs of the portfolio to the RMs
Ensuring timely resolution of Temporary irregularity in the Portfolio
Lead Generation for Relationship Management Team
Required Experience
Overall 2-4 years of experience in sales / sales support activities
2 years of Experience in Asset Lending in SME
Proven track record in asset business in the SME/Business Banking segment with understanding of Financials
Knowledge of competitors and market place
Market knowledge and experience in the SME segment, with reference to customer preferences and requirement would be preferable
Education / Preferred Qualifications
An MBA or CA/CFA with relevant number of years of experience in banking and specifically in handling asset products in the SME/Business Banking segment.
Core Competencies
Good written and verbal communication skills
Good Analytical skills
Self-driven and Growth Oriented
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 & Behaviours
Drive Performance Through Value Based Propositions
Ensure Customer Focus by Delighting Customers & Reduce Complaints
Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
Enhance Knowledge Base, Build Skill Sets & Develop Competencies
Invest in Team Building & Motivation through Ideation & Innovation
Execute at Speed While Maintaining Error Free Operations
Develop a Passion for Performance to Grow Talent Pool
Maintain the Highest Standards of Honesty and Integrity
Primary Location
India-Maharashtra-Mumbai
Job
Risk Management
Schedule
Regular
Job Type
Full-time
Job Posting
Sep 14, 2026, 3:44:42 PM
Job Title Credit Analyst
Department SME, India
Section/ Business Area IBG 4
Job Status Permanent/ Full Time
Job Purpose
The role of Credit Analyst is to provide support Relationship Management Team in terms of timely processing the case for sanction and disbursement, help in ensuring that housekeeping activities are in order, ensuring overall client servicing for Portfolio growth/ Cross-Sell, timely Renewals and help team to ensure maintaining a healthy portfolio
Key Accountabilities
Timely completion and Processing of Credit Proposals to CCG
To maintain close working relationship with Business Unit and other stakeholders (CCU, CCG, Audit) to ensure that IBG deliverables are met
Supporting in timely completion of Housekeeping Activities for overall maintenance of healthy Portfolio and effective handling of Audit Queries
Ensuring Customer retention and Portfolio growth through overall customer servicing and tracking of Complaints
Generate Leads from Existing relationship
Job Duties & Responsibilities
Ensuring Completion of Documentation as per Pre-Sanction Checklist
Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS
Preparation of Credit Memo in a consistent, concise and lucid manner
Providing concise and relevant financial analysis by clearly identifying risks
Completion and Processing of Case through Credit Workflow (OSCA) to CCG
Resolution of Queries in coordination with the client & CCU
Assisting RM in completing Legal & Valuation reports
Initiating Fraud Checks for the case
Supporting for LO Issuance, execution of Disbursement Documentation and Limit Set Up
Managing E-2-E TAT for sourcing to Activation
Supporting in timely Housekeeping Activities (Timely submission of Stock statement, Call Report, QAR, Collateral Audit, etc.)
Ensuring Timely Renewals of Cases in the Portfolio
Ensure Supervision reviews are completed prior to due date and are error free
Adhere to the risk management guidelines of DBS, MAS and RBI
Conduct Stress Test and other Portfolio Monitoring Excercises based on requirement from Risk
Client servicing in coordination with internal units.
Interact and follow up with clients on required information and clarifications
Highlighting any early warning signs of the portfolio to the RMs
Ensuring timely resolution of Temporary irregularity in the Portfolio
Lead Generation for Relationship Management Team
Required Experience
Overall 2-4 years of experience in sales / sales support activities
2 years of Experience in Asset Lending in SME
Proven track record in asset business in the SME/Business Banking segment with understanding of Financials
Knowledge of competitors and market place
Market knowledge and experience in the SME segment, with reference to customer preferences and requirement would be preferable
Education / Preferred Qualifications
An MBA or CA/CFA with relevant number of years of experience in banking and specifically in handling asset products in the SME/Business Banking segment.
Core Competencies
Good written and verbal communication skills
Good Analytical skills
Self-driven and Growth Oriented
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 & Behaviours
Drive Performance Through Value Based Propositions
Ensure Customer Focus by Delighting Customers & Reduce Complaints
Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
Enhance Knowledge Base, Build Skill Sets & Develop Competencies
Invest in Team Building & Motivation through Ideation & Innovation
Execute at Speed While Maintaining Error Free Operations
Develop a Passion for Performance to Grow Talent Pool
Maintain the Highest Standards of Honesty and Integrity
Primary Location
India-Maharashtra-Mumbai
Job
Risk Management
Schedule
Regular
Job Type
Full-time
Job Posting
Sep 14, 2026, 3:44:42 PM
💡 Quick Summary
Seeking a career-building opportunity? The Analyst | CPS Central Team position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
