{"id":1413409,"url":"https://alion.io/job/dbs-associate-relationship-manager-credit-program-small-small-medium-enterprises-2","title":"Associate, Relationship Manager, Credit Program Small, Small Medium Enterprises","company":{"id":451141,"name":"DBS","domain":"dbs.com","url":"https://alion.io/company/dbs-4","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"B","score":75,"open_postings":241,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":30,"computed_at":"2026-10-01T05:45:00Z"}},"role":"Sales","role_family":"Sales","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Hyderabad, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":16500,"max_usd":37000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":18},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-05-22T00:00:00Z","employer_posted_date":"2026-05-22","last_verified_at":"2026-10-01T05:52:17Z","board_verified":true,"closed_at":null,"days_open":132,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":132},"description":"Job Purpose\nTo acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions to automobile, tractor, commercial vehicle, two-wheeler, and equipment dealers, while ensuring portfolio quality and compliance.\nKey Responsibilities\nBusiness Development & Acquisition\nSource and onboard in the targeted ecosystem new automobile dealer CV / PV / STEEL dealers for dealer finance facilities.\nBuild strong relationships with OEMs, distributors, and dealer principals.\nAchieve disbursement, revenue, and AUM targets as per business plan.\nIdentify cross-sell opportunities (CASA, insurance, working capital , etc.).\nRelationship Management\nAct as the primary point of contact for assigned dealer portfolio.\nMaintain long-term relationships to ensure repeat business and portfolio growth.\nAddress dealer queries related to limits, drawdowns, repayments, and documentation.\nCredit & Operations Coordination\nCollect and verify KYC, financials, stock statements, and other credit documents.\nPrepare credit proposals and coordinate with credit, operations, and legal teams.\nEnsure timely renewal, enhancement, and review of limits.\nMonitor inventory funding, stock audits, and utilization of limits.\nPortfolio & Risk Management\nMonitor dealer account performance and early warning signals.\nEnsure timely collections, overdue follow-ups, and delinquency control.\nAdhere to credit policies, compliance norms, and audit requirements.\nMaintain portfolio quality within prescribed delinquency levels.\nMarket & Industry Intelligence\nTrack local market trends, OEM schemes, dealer sales cycles, and competition.\nProvide feedback on product features, pricing, and process improvements.\nKey Performance Indicators (KPIs)\nNTB Disbursement & AUM growth\nNumber of new dealer acquisitions\nPortfolio quality (DPD / NPA levels)\nYield & fee income\nRenewal & retention ratio\nEducation\nGraduate in any discipline (MBA preferred)\nRequirements\nNecessary experience minimum 5 yrs in Dealer Finance / Auto Loans / SME Lending\nPrior experience with banks / NBFCs preferred\nGraduate in any discipline (MBA preferred)\nTrack local market trends, OEM schemes, dealer sales cycles, and competition.\nKnowledge of OEM-dealer ecosystem\nExperience handling automobile, CV, PV, STEEL dealer portfolios\nLocal market knowledge and dealer network\nSkills & Competencies\nStrong relationship management and negotiation skills\nUnderstanding of dealer finance products and inventory funding\nCredit appraisal and financial analysis skills\nKnowledge of OEM-dealer ecosystem\nGood communication and coordination abilities\nPreferred Background\nExperience handling automobile, CV, PV, STEEL dealer portfolios\nExposure to stock audits, dealer renewals\nLocal market knowledge and dealer network\nLocation:\nRegional Office HyderabadJob:\nRelationship ManagementSchedule:\nRegularEmployee Status:\nFull time","description_format":"text","description_chars":2884,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks","Wealth Management & Financial Advisors","Investment Banking & M&A Advisory"],"lifecycle":[{"event":"open","at":"2026-09-28T19:48:24Z"}],"liveness":{"score":9,"band":"cold","label":"Long shot","p_open":1,"p_active":0.314,"p_room":0.28,"age_days":132,"expected_fill_days":30,"reasons":["conf:24","stale_co","velocity","win:tail","crowd:brand"],"computed_at":"2026-10-01T05:45:00Z"},"pay":null,"html_url":"https://alion.io/job/dbs-associate-relationship-manager-credit-program-small-small-medium-enterprises-2","json_url":"https://alion.io/job/dbs-associate-relationship-manager-credit-program-small-small-medium-enterprises-2.json","meta":{"generated_at":"2026-10-01T12:31:43Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","usage":{"tier":"crawler","counted_by":"address","units_charged":1,"used_today":3925,"day_limit":5000,"remaining_today":1075,"minute_limit":60,"resets_at":"2026-10-02T00:00:00Z"}}}