Job Description
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
Relationship Management
Schedule
Regular
Job Type
Full-time
Job Posting
May 11, 2026, 3:11:50 AM
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
Relationship Management
Schedule
Regular
Job Type
Full-time
Job Posting
May 11, 2026, 3:11:50 AM
💡 Quick Summary
Seeking a career-building opportunity? The Credit Analyst 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.
