{"id":1413411,"url":"https://alion.io/job/dbs-associate-relationship-manager-credit-program-small-small-medium-enterprises-3","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":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Pune, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":9500,"max_usd":28000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":1379},"experience_years_min":3,"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":133,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":132},"description":"Business Function\nCorporate 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.\nJob Purpose\nTo acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank.\nThe Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.\nKey Accountabilities\nSource New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy\nEnsure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc.\nPlay an instrumental role in increasing the Profitability of the Branch.\nEnsure proper monitoring of Portfolio and maintaining the delinquencies at NIL.\nImplement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 -Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio.\nBuild DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events.\nTo comply with the Bank’s process & policies and ensure positive ratings during all Country / Group audits\nJob Duties & responsibilities\nSource New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.\nCross Sell of Asset, Trade, Cash and Treasury Product actively.\nTo achieve the individual Budgeted revenues through all product parameters\nConduct Proper Due diligence while on-boarding New Asset Relationships.\nOn board clients with a clear account plan highlighting the revenue potential, risks and mitigants.\nIncrease the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank.\nConstant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client’s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.\nThorough monitoring of accounts sourced and keep track on customer’s business and report any early warning signals.\nEnsure Timely Renewals of Accounts.\nEnsure that the covenants and conditions prescribed by the credit team are consistently met.\nAdherence to strict KYC/AML requirements.\nMIS to be provided to the central team for further reporting, within the stipulated guidelines.\nTimely Completion of Learning Programs as assigned by DBS for time to time\nTo comply with the Bank’s process & policies.\nTo be in touch with local business stakeholders including existing, prospective clients, market leaders, CA’s, Influencer’s and Industry association to be updated on the current market practice and local intelligence.\nTo be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval.\nRequirements\nOverall 3- 5 years of experience in sales.\n2-3 years of sales experience in SME/Business Banking Lending.\n2-3 years experience in Working Capital sales and service portfolio\nProven sales track record in asset business in the SME/Business Banking segment.\nKnowledge of competitors and marketplace\nMarket knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.\nEducation / Preferred Qualifications\nBachelors in finance / Economics/Commerce or MBA or CA\nCore Competencies\nExcellent Communication & Listening Skills, Good Sales & Negotiation Skills\nTechnical Competencies\nWorking Capital Finance Knowledge\nWork Relationship\nManager / Direct Report\nDBS India - Culture & Behaviors\nDBS 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 behaviors are:\nDemonstrate Business Performance through PRIDE 2.0 Value Based Propositions\nEnsure Customer Focus by Delighting Customers & Reduce Complaints\nBuild Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation\nEnhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement\nMaintain the Highest Standards of Honesty and Integrity.\nApply Now\nWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.\nLocation:\nPune-DBILJob:\nRelationship ManagementSchedule:\nRegularEmployee Status:\nFull time","description_format":"text","description_chars":5456,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Flexible schedule","Professional development"],"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":7,"band":"cold","label":"Long shot","p_open":1,"p_active":0.235,"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-3","json_url":"https://alion.io/job/dbs-associate-relationship-manager-credit-program-small-small-medium-enterprises-3.json","meta":{"generated_at":"2026-10-02T02:55:41Z","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":3961,"day_limit":5000,"remaining_today":1039,"minute_limit":60,"resets_at":"2026-10-03T00:00:00Z"}}}