Senior Associate, Credit Analyst, Small Medium Enterprises.

Business FunctionCorporate 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 and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.Job Purpose Lead the Relationship Management teams in executing key activities to ensure effective client relationship management and portfolio growth. Oversee the preparation and submission of Credit Memos to the Credit Committee Group (CCG). Drive the completion of documentation formalities in coordination with clients and the Credit Control Unit (CCU). Assist Relationship Managers (RMs) in finalizing legal and valuation reports. Ensure timely follow-up on overdue accounts for regularization. Coordinate with internal units to provide exceptional client servicing. Monitor and identify early warning signals within the portfolio, alerting RMs to potential risks. Manage the existing client portfolio for designated relationship teams, while exploring opportunities to cross-sell additional transaction banking products. Support the team in identifying and addressing early warning signals within their portfolios to ensure proactive risk management.Key Accountabilities Oversee preparation of accurate and well-structured credit proposals in a consistent, clear, and concise manner. Build and maintain strong working relationships with the Business Unit to ensure timely and effective delivery of IBG objectives. Conduct need-based meetings with customers to gain insights into their business, risks, and requirements. Drive the cross-selling of products such as trade, cash management, and foreign exchange to expand business opportunities. Monitor portfolio for irregularities, excesses, breaches, and delays, ensuring proactive management of risks. Ensure compliance with all regulatory reporting requirements and internal policies. Collaborate with the legal team to manage recoveries, minimize bad debts, and prevent NPAs, while assisting with both external and internal audits. Foster customer retention and increase wallet share by monitoring customer satisfaction through detailed MIS, tracking operations, and addressing complaints effectively. Ensure the quality and performance of the portfolio, leveraging available triggers and adhering to risk management guidelines and policies. Track and manage customer complaints, ensuring they are resolved efficiently and effectively. Communicate key messages to customers, including service standards, negotiated pricing, relationship team contacts (including introductions to new team members), and updates on new product offerings. Oversee adherence to risk service standards to ensure alignment with organizational goals. Job Duties & responsibilities Oversee preparation of accurate, consistent, and error-free financial spreads in line with the classification parameters established by DBS. Provide clear and concise financial analysis, effectively identifying and highlighting potential risks. Ensure timely completion of reviews, maintaining accuracy and meeting deadlines without errors. Proactively interact with clients to gather required information, clarifications, and resolve any issues. Strictly adhere to the risk management guidelines set by DBS, MAS, and RBI. Monitor and control irregularities or excesses in the portfolio, ensuring they remain within acceptable limits.

Develop and maintain a deep understanding of industry sectors within the customer portfolio. Oversee and manage the risk profile for the entire team's portfolio, ensuring alignment with organizational risk policies. Lead and manage performance against key financial targets, including risk-adjusted contributions, sales, service, and operational goals. Develop and execute comprehensive Account Relationship Plans for customers within the portfolio, fostering long-term, strategic relationships..Requirements Overall, 12-14 years of experience in sales / sales support activities. 10 - 12 years of sales experience in business banking and/or cash management. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and marketplace Market knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable. Education / Preferred Qualifications An MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the Mid-Market Banking segment.Core Competencies Good Analytical skills. Self-driven and highly ambitious Results-orientated & the ability to handle pressure Relationship building & management skills Understanding of competitor products Comfortable with tight deadlinesTechnical 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 clientsWork 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 & BehaviorsDBS 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 behaviours 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.Apply NowWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.