DBS Bank

Regional bank offering digital banking

Associate Relationship Manager - Credit Program Small, Small Medium Enterprises

Retail & Commercial BankingUpdated on Nov 12

Full-timeHyderabad, Telangana, IndiaNo salary listedIn-person

About the Job

Requirements

At least 5 years of experience in dealer finance, auto loans, or SME lending.
A graduate degree in any discipline is required; an MBA is preferred.
Knowledge of the OEM-dealer ecosystem.
Experience handling automobile, commercial vehicle, passenger vehicle, and steel dealer portfolios.
Local market knowledge and a dealer network.
Understanding of dealer finance products and inventory funding.
Credit appraisal and financial analysis skills.
Prior experience with banks or non-bank financial companies is preferred.
Exposure to stock audits and dealer renewals is preferred.
Strong relationship management and negotiation skills.
Good communication and coordination abilities.

Responsibilities

Source and onboard new automobile, commercial vehicle, passenger vehicle, and steel dealers in the targeted ecosystem for dealer finance facilities.
Build strong relationships with original equipment manufacturers, distributors, and dealer principals.
Achieve disbursement, revenue, and assets under management targets according to the business plan.
Identify cross-sell opportunities, including current and savings accounts, insurance, and working capital.
Serve as the primary point of contact for the assigned dealer portfolio.
Maintain long-term relationships to ensure repeat business and portfolio growth.
Address dealer queries about limits, drawdowns, repayments, and documentation.
Collect and verify KYC, financial statements, 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.
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.
Track local market trends, original equipment manufacturer schemes, dealer sales cycles, and competition.
Provide feedback on product features, pricing, and process improvements.

Desired Qualifications

Experience with banks or non-bank financial companies.
Experience handling automobile, commercial vehicle, passenger vehicle, and steel dealer portfolios.
Exposure to stock audits and dealer renewals.
An MBA.

Job Purpose

To 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.

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

Education

Graduate in any discipline (MBA preferred)

Requirements

Necessary experience minimum 5 yrs in Dealer Finance / Auto Loans / SME Lending
Prior experience with banks / NBFCs preferred
Graduate in any discipline (MBA preferred)
Track local market trends, OEM schemes, dealer sales cycles, and competition.
Knowledge of OEM-dealer ecosystem
Experience handling automobile, CV, PV, STEEL dealer portfolios
Local market knowledge and dealer network

Skills & Competencies

Strong relationship management and negotiation skills
Understanding of dealer finance products and inventory funding
Credit appraisal and financial analysis skills
Knowledge of OEM-dealer ecosystem
Good communication and coordination abilities

Preferred Background

Experience handling automobile, CV, PV, STEEL dealer portfolios
Exposure to stock audits, dealer renewals
Local market knowledge and dealer network

Location:

Regional Office Hyderabad

Job:

Relationship Management

Schedule:

Regular

Employee Status:

Full time

About the Company

DBS Bank

Regional bank offering digital banking

DBS Bank provides banking and financial services in Singapore and Southeast Asia, including personal and business banking, loans, deposits, wealth management, and payments. It serves customers through a network of branches and a digital platform that lets people open accounts, transfer funds, borrow, and invest via online and mobile apps. The bank differentiates itself with government-backed origins, rapid regional growth, a strong emphasis on digital banking, and a broad mix of consumer, corporate, and wealth services. Its goal is to be a leading, trusted financial services provider in Asia, supporting customers and economies with reliable banking and sustainable growth.

Company size: 10,001+
Company stage: IPO
Headquarters: Singapore, Singapore
Founded: 1968

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