Relationship Manager , Small Medium Enterprises, Institutional Banking Group

As a Relationship Manager Asset in the SME segment of IBG 4 at DBS, your primary objective is to acquire and develop a diversified portfolio that generates revenue from various sources such as assets, trade, cash, treasury, and fees. It is crucial that this portfolio leads to a healthy income while maintaining an acceptable level of risk for the bank. Your role involves implementing the bank's lending guidelines to achieve these results. Your key responsibilities include sourcing new asset relationships within the IBG 4 segment, ensuring a good net interest income and fee generation across the portfolio, and playing a significant role in increasing the profitability of the branch. You will also be responsible for monitoring the portfolio, maintaining delinquencies at a minimum, and executing the IBG4 business strategy to increase market share while diversifying the portfolio and reducing concentration risk. In your day-to-day duties, you will be expected to onboard new asset relationships, actively cross-sell other products, conduct due diligence, create account plans for clients, monitor the portfolio closely, and ensure timely renewals of accounts. It is essential to comply with the bank's processes and policies, adhere to KYC/AML requirements, and provide necessary MIS reports to the central team within the stipulated guidelines. To excel in this role, you should have 3-5 years of overall sales experience, with at least 2 years in SME/Business Banking Lending. A proven track record in asset business sales within this segment is highly desirable, along with knowledge of competitors and the marketplace. A bachelor's degree in finance/economics/commerce or an MBA/CA is preferred. Your success as a Relationship Manager Asset will be driven by your excellent communication and listening skills, as well as your proficiency in sales and negotiation. Knowledge of working capital finance will be a valuable technical competency in this role. At DBS India, we value a culture where all employees are respected, valued, and encouraged to voice their opinions. We promote continuous professional development, flexible working arrangements, and growth opportunities within an inclusive and diverse environment. Our expected behaviors include demonstrating business performance through PRIDE 2.0, focusing on customer satisfaction, building pride and passion to enhance DBS's reputation, continuously improving skills and competencies, and upholding the highest standards of honesty and integrity.,