Associate, Relationship Manager, Credit Program Small (Hybrid), Small Mediu at DBS Bank

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

18 Jul, 26

Salary

0.0

Posted On

19 Apr, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Business development, Relationship management, Working capital finance, Credit analysis, Sales, Negotiation, Communication, Portfolio management, Risk management, Inventory financing, KYC compliance, Financial analysis, Market intelligence, Collections, Stakeholder management

Industry

Description

Job Purpose To acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions to automobile, tractor, commercial vehicle, and equipment dealers, while ensuring portfolio quality and compliance. Key Responsibilities Business Development & Acquisition Source and onboard in the targeted ecosystem new automobile dealer CV / PV / STEEL dealers for dealer finance facilities. Build strong relationships with OEMs, distributors, and dealer principals. Achieve disbursement, revenue, and AUM targets as per business plan. Identify cross-sell opportunities (CASA, insurance, working capital , etc.). Relationship Management Act as the primary point of contact for assigned dealer portfolio. Maintain long-term relationships to ensure repeat business and portfolio growth. Address dealer queries related to limits, drawdowns, repayments, and documentation. Credit & Operations Coordination Collect and verify KYC, financials, stock statements, and other credit documents. Prepare credit proposals and coordinate with credit, operations, and legal teams. Ensure timely renewal, enhancement, and review of limits. Monitor inventory funding, stock audits, and utilization of limits. Portfolio & Risk Management Monitor dealer account performance and early warning signals. Ensure timely collections, overdue follow-ups, and delinquency control. Adhere to credit policies, compliance norms, and audit requirements. Maintain portfolio quality within prescribed delinquency levels. Market & Industry Intelligence Track local market trends, OEM schemes, dealer sales cycles, and competition. Provide feedback on product features, pricing, and process improvements. Key Performance Indicators (KPIs) NTB Disbursement & AUM growth Number of new dealer acquisitions Portfolio quality (DPD / NPA levels) Yield & fee income Renewal & retention ratio Core Competencies Excellent Communication & Listening Skills, Good Sales & Negotiation Skills. Technical Competencies Working Capital Finance Knowledge Work Relationship Manager /Direct Report Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements. Location: Bengaluru Main Job: Relationship Management Schedule: Regular Employee Status: Full time DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.

Responsibilities

The role involves acquiring and managing dealer relationships to provide working capital and inventory financing solutions. You will be responsible for business development, portfolio quality monitoring, and coordinating with internal credit and operations teams.