Job Description

Business Function
DBS's Corporate, Consumer, and Investment Banking division offers a comprehensive suite of commercial banking products and services. These include cash management, current and time deposits, trade finance, working capital finance, term loans, and foreign exchange. Through our unwavering commitment, DBS has fostered enduring relationships with customers across the region, built on strong account relationship management, differentiated service, innovative product development, and rigorous credit standards.
Job Purpose
The Business Banking Relationship Manager will be responsible for acquiring and cultivating a diverse portfolio within the DBS SME (Micro and Small) and Retail asset segments. He / She will be responsible for generating revenue from various sources, such as assets, liabilities, and BANCA products, aiming for healthy income while maintaining an acceptable risk profile for the bank. The successful candidate will achieve these results in strict adherence to the bank's prescribed lending guidelines.
Key Accountabilities

• Source new-to-bank asset relationships within the SME segment, targeting businesses with a turnover up to 50 Crore, in alignment with DBS's lending policy.
• Source retail assets and current accounts, and actively cross-sell wealth, insurance, and other fee-based products in accordance with permissible DBS policies.
• Ensure high-quality sourcing and gather appropriate market feedback before onboarding new customers.
• Play a pivotal role in enhancing the profitability of the branch.
• Strengthening DBS's brand value and expand its network within the local market through various marketing activities, collaborations, and events.
• Comply with all bank processes and policies, ensuring positive ratings during all Country and Group audits.

Job Duties & responsibilities

• Identify and acquire new-to-bank asset relationships within the SME segment (up to 50 Crore turnover), ensuring alignment with the Bank Lending Policy. Collaborate with SME Relationship Managers, customers, risk teams, and operations teams to facilitate sanction and disbursement of these relationships.
• Refer CASA (Current Account Savings Account) accounts, retail assets, deposits, and other Consumer Banking Group (CBG) products (e.g., Wealth, insurance, CEP) to the relevant Branch team members.
• Actively cross-sell Banca, Liability, Trade, Cash, and Treasury products to acquired clientele.
• Achieve individual budgeted revenues across all product parameters.
• Conduct thorough due diligence during the onboarding process for new asset relationships.
• Increase customer wallet share by consistently exploring opportunities to cross-sell additional bank products.
• Provide local market insights regarding customers to SME Relationship Managers post-onboarding, as needed.
• Adhere strictly to Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.
• Complete all assigned learning programs by DBS in a timely manner.
• Comply with all bank processes and policies.
• Maintain strong relationships with local business stakeholders, including existing and prospective clients, market leaders, CAs (Chartered Accountants), influencers, and industry associations, to stay updated on current market practices and local intelligence.
• Report any material information regarding business opportunities, industry risks, or customer risks to senior functional management at regular intervals.

Required Experience

• A minimum of 3-5 years of overall sales experience.
• At least 2 years of sales experience specifically in SME/Business Banking Lending.
• A proven sales track record in the asset business within the SME/Business Banking or LAP (Loan Against Property) segment.
• Solid knowledge of competitors and the marketplace.
• Market knowledge and experience in the SME segment, particularly concerning customer preferences and requirements, is highly preferred.
• Excellent communication and listening skills.
• Strong sales and negotiation skills.
• Proficient knowledge of Working Capital Finance.

Education / Preferred Qualifications

• Minimum Under Graduation completion in any degree courses.

DBS India - Culture & Behaviors
DBS is dedicated to fostering a culture where every employee is valued, respected, and heard. We pride ourselves on offering a workplace that promotes continuous professional development, flexible working arrangements, and opportunities for growth within an inclusive and diverse environment. We expect our employees to demonstrate the following value-driven behaviours:

Skills Required