Job Purpose

- Oversee the business from the branch,

- Drive revenue growth of the Geographical cluster and various touch points through both asset & liability RM team

- To be responsible for managing & growing the Asset & Liability book, across businesses- SME and CBG

- To ensure profitable and quality client onboarding

- Driving Profit and loss of the cluster and overall development of franchise in local market.

- Ensuring RED / best in class customer service / experience

- Responsible for Audit, Governance and Control

- Follow One Bank philosophy

Key Accountabilities :

- Devise and implement a strategy to primarily grow the SME business in cluster (both liability and asset business) and to regularly interact with Regional Head and central team to ensure the same

- Build asset and liability book by ensuring appropriate product profitability (ROA, ROE, NIM, etc) and risk quality.

- To ensure the Risk taken is appropriate and in line with the returns

- To ensure active front office market coverage of SME Business and to establish the DBS Brand and presence with all our target customer groups and relevant parties.

- Assist in cross selling bank products from SME and CBG stable to the customers.

- Monitor and ensure financial goals are met with co-ordination across various business segments.

- Ensure adherence of processes, rules, guidelines of the bank including maintaining satisfactory audits of the branch.

- Ensure that all aspects of internal Governance are met, monitor compliance issues, and proactively highlight/escalate any issues.

- Operationalize, Leverage all the touch points in the vicinity of branch,

- Ensuring RED / best in class customer service / experience

- Is responsible for Audit, Governance and Control

Job Duties & Responsibilities :

- Develop the SME client base in cluster, including target identification.

- Manage all Eco-system partner relationship and drive business through the same

- Prepare and track client plans for existing clients.

- Cross sale and Service the existing relationships and enhance revenue and ROE thereof.

- Maintain credit risk quality of the asset portfolio

- Ensuring Onboarding, Training and career development of the employees in the branch.

- Maintain oversight on controls instituted by Credit Administration

- Maintain compliance with regulatory/Internal requirements

- Communication - To clearly and regularly communicate on behalf of the cluster with Regional led, and Head Office, as appropriate

- Ensure adequate staffing and drive productivity for internal & outsourced staf

Experience :

At least 12-18 years of experience, in Banking / Financial Services sector post qualification

Education :

Basic minimum: Post Graduate Degree, preferably in business, economics, finance, etc, [CA /MBA]

Core Competencies :

- Leadership, Strategic thinking, ability to coach, counsel and provide direction

- Interactive skills to manage customers, inter-departmental interactions

- Business sense - sound judgement, creativity, analytical insight

- Communication skills - oral writing and presentation skills.

- Manage large and diverse team based across multiple touch points.

- Should understand the local language and understand the customers in the micro market