Job Description
Job Purpose (In a brief, specific one or two-sentence statement, answer the questions: "Why does this position exist?" and "What is it expected to accomplish?")
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 healthy income with an acceptable risk to the bank.
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.
Key Accountabilities (List the expected end results or KPIs that the job holder is expected to achieve for this job. Do not list more than 5)
Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 200 crores, aligned to Bank Lending Policy
Ensure a good Net Interest Income as well as fee across the portfolio and ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc.
Play an instrumental role in increasing the Profitability of the business
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 (List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity, and analysis performed in this position.)
Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 200 crores, 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 Liability, 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.
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
Required Experience
Overall, 3- 7 years of experience in sales.
2-3 years of sales experience in SME/Business Banking Lending.
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
Overall, 3- 7 years of experience in sales.
2-3 years of sales experience in SME/Business Banking Lending.
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.
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
Primary Location: India-West Bengal-Kolkata
Job: Relationship Management
Schedule: Regular
Employee Status:
Full-time
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 healthy income with an acceptable risk to the bank.
Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.
Key Accountabilities (List the expected end results or KPIs that the job holder is expected to achieve for this job. Do not list more than 5)
Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 200 crores, aligned to Bank Lending Policy
Ensure a good Net Interest Income as well as fee across the portfolio and ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc.
Play an instrumental role in increasing the Profitability of the business
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 (List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity, and analysis performed in this position.)
Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 200 crores, 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 Liability, 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.
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
Required Experience
Overall, 3- 7 years of experience in sales.
2-3 years of sales experience in SME/Business Banking Lending.
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
Overall, 3- 7 years of experience in sales.
2-3 years of sales experience in SME/Business Banking Lending.
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.
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
Primary Location: India-West Bengal-Kolkata
Job: Relationship Management
Schedule: Regular
Employee Status:
Full-time
💡 Quick Summary
Seeking a career-building opportunity? The Asset RM | IBG4 position is now open for candidates interested in the Bank Jobs sector. This role in Kolkata 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.
