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DBS Bank
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131 DBS Bank Jobs
Vice President, Relationship Manager
7-10 years
₹ 7 - 15.3L/yr (AmbitionBox estimate)
This is an estimate of the average salary range for this
position. It has not been reviewed by the company, and
the actual salary may differ.
Bangalore / Bengaluru
1 vacancy
Vice President, Relationship Manager
DBS Bank
posted 8d ago
Job Role Insights
Flexible timing
Key skills for the job
Job Description
Corporate 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.
Job Purpose
- To manage and sustain a portfolio of Corporate customers, building long term relationships founded on efficient and reliable support for their business. To work with product groups and other colleagues both in India and overseas to build our MNC client base, and enhance wallet share from both new and existing customers.
- Risk assessment of facility clients in the form of continuous monitoring (writing memos, working through the approval process and working with RMG, Operations, product groups etc to ensure seamless delivery to the client).
Key Accountabilities
- Relationship Manager responsible for a portfolio of corporate clients. Manage relationships through constant interaction account mapping at varied levels in client organizations, while ensuring a risk-adjusted portfolio contribution
- Determine the products that are most effective in meeting customer s needs and be able to sell these both reactively and proactively. Customize, adapt develop new products to increase profitability, reduce costs ease operational bottlenecks.
- Implement execute IBG1 business strategy to increase market share to achieve targets consistent with IBG1 s revenue, ROE Cost / Income ratio targets. Cross sell other products of the bank including cash, treasury, trade others.
- Ensure the highest customer retention increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS tracking of operations complaints. Ensure all regulatory reporting compliances are enforced. Also ensure assistance to external internal audits
- Develop the DBS brand in the region. Research different identified appropriate market segments including analysis of key requirements for each segment. Build and develop a high performing team through embedding performance development and coaching. Create an empowering environment for the team, encouraging individual ownership and initiative. Ensure coaching and feedback in order to achieve their maximum potential. Make reward decisions within set guidelines.
Job Duties responsibilities
- Primary contact at CEO, Finance Director, and Treasurer level in Corporates controlling offices, discussing inter alia customer needs, service reviews, and credit risk issues.
- Advises and debates how business finances could be structured in the short-term and medium/long term.
- Grow the team s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
- Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
- Formulate business development strategies and objectives to meet changing market needs.
- Develop prioritized target list structured client calling plans in place and formulate client action plans.
- Monitor conformance of team using new relationship development procedures.
- Monitor results of customer surveys against target service quality standards.
- Monitor levels of complaints and quality of handling.
- Proactively researches competitive threats/opportunities within the team s market and geographical area.
- Ensure that quality proposals are submitted to the credit chain
- Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes.
- Keep customers advised on the expected delivery date for product/credit applications.
- Monitors and ensures adherence to risk service standards
- Develops and maintains a detailed knowledge of industry sectors within the customer portfolio.
- Control and manage the risk profile for the overall Team portfolio.
- Manages performance of the team against key financial (risk-adjusted contribution) sales, service and operational targets.
- Manage segmentation of the portfolio.
- Develop Customer Relationship Plans for customers in portfolio.
Required Experience
- Overall 7-10 years of experience in corporate banking, MNC RM experience preferable.
- Proven track record in the corporate commercial banking.
- Sound Understanding of products
- Sound understanding of credit proposals.
Education / Preferred Qualifications
- An MBA or CA with relevant number of years of experience in banking is preferable.
Core Competencies
- Strong selling and negotiation skills
- Excellent diagnostic skills and rigorous approach to problem solving
- Excellent communication skills at all levels
- Excellent comprehension skills to understand and interpret industry data and economic trends
- Sound financial counseling skills
- Strong credit risk analysis skills
- Strong formal presentation skills to gain acceptance to solutions, both internally and externally
- Team creation and co-ordination skills to mobilize and manage product specialists
- Proven leadership experience in leading managing sales.
- Ability to think creatively and identify innovative solutions.
Technical Competencies
- Sound understanding corporate commercial banking, products, credit proposals approval processes, internal guidelines policies.
- Understanding of regulatory guidelines on banking policies issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements Anti-money Laundering Policies are critical.
- Knowledge of financial markets and products to assist in meaningful dialogue with clients
- Financial Analysis and research capabilities. Evaluation of credit risks involved in credit proposals.
Work Relationship
- Working relationship with RM s / Sales in CBG / CMS/ GTS to maximize opportunities and cross sell of products.
- Important and constant relationship with credit both in developing new products for IBG1 customers and maintaining the quality of the accounts portfolio.
- Close working relationship with internal support/ product functions such as Operations, Product Owners (eg TM, Custody, GTS); Credit Risk CCU for approval of credit lines, legal compliance for regulatory compliance issues etc.
- Working relationship with operations to ensure smooth delivery to the customer.
DBS India - Culture Behaviors
- Drive Performance Through Value Based Propositions
- Ensure Customer Focus by Delighting Customers Reduce Complaints
- Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation
- Enhance Knowledge Base, Build Skill Sets Develop Competencies
- Invest in Team Building Motivation through Ideation Innovation
- Execute at Speed While Maintaining Error Free Operations
- Develop a Passion for Performance to Grow Talent Pool
- Maintain the Highest Standards of Honesty and Integrity.
Employment Type: Full Time, Permanent
Read full job descriptionDBS Bank Interview Questions & Tips
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What people at DBS Bank are saying
Rating based on 49 Relationship Manager
reviews
Anonymous · Enterprise & B2B Sales
in Mumbai
Likes
Salary is good
Dislikes
Extremely demotivating culture.
Read 49 reviewsRelationship Manager salary at DBS Bank
reported by
240
employees
₹3.5
L/yr - ₹12.4
L/yr
66%
more
than the average Relationship Manager Salary in India
View more details
What DBS Bank employees are saying about work life
based on 1.7k employees
Flexible timing
Monday to Friday
No travel
Day Shift
DBS Bank Benefits
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