Senior Associate Relationship Manager Credit Program Medium Small Medium Enterprises
DBS Bank is a Singapore-headquartered bank serving personal, SME, corporate, wealth management, and institutional customers across 19 markets. It provides digital banking, financial markets, investment, lending, and other banking services.
About DBS Bank Ltd
DBS Bank is an Asia-focused banking group headquartered in Singapore. The bank offers personal and SME banking, corporate banking, private banking, global wealth management, financial markets, investment services, and digital banking products including digibank, IDEAL, and DBS Vickers Online. DBS also serves institutional and corporate clients and provides tokenised physical gold offerings for customers.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You acquire new-to-bank asset relationships among medium and small enterprises, build a diversified portfolio, cross-sell trade, liability, cash, treasury, and fee products, grow revenue and profitability, monitor portfolio quality, manage risk, conduct due diligence, onboard clients, and comply with banking policies and KYC/AML requirements.
Requirements
- 3-7 years of overall sales experience
- 2-3 years of working capital sales experience in SME or business banking
- Proven sales track record in asset business in the SME or business banking segment
- Knowledge of competitors and the marketplace
- Understanding of the SME sector
- Market knowledge and experience in the SME segment
- Excellent communication and listening skills
- Sales and negotiation skills
- Knowledge of working capital finance
Responsibilities
- Source new-to-bank asset relationships among companies with turnover from INR 25 crores to 600 crores
- Obtain sanction and disbursement in liaison with customers, risk, and operations teams
- Cross-sell liability, trade, cash, and treasury products
- Achieve budgeted revenue across product parameters
- Conduct due diligence when onboarding new assets
- Create account plans covering revenue potential, risks, and mitigants
- Maintain strict KYC and AML compliance
- Provide management information to the central team
- Comply with bank processes and policies
- Monitor the portfolio and maintain zero delinquencies
- Build brand value and expand the local network through marketing activities, collaborations, and events
- Maintain relationships with clients, market leaders, accountants, influencers, and industry associations
Benefits
- Competitive salary and benefits package