DBS Bank

Regional bank offering digital banking

Assistant Vice President - Credit Risk Manager, Risk Management Group

Retail & Commercial BankingUpdated on Nov 12

Full-timeHyderabad, Telangana, IndiaNo salary listedIn-person

About the Job

Requirements

Eight to ten years of experience in banking, preferably in the SME or credit department, or in credit rating.
A professional qualification or postgraduate degree, preferably in business, accountancy, economics, or finance.
Sound knowledge of the Indian market and risks associated with industries, companies, and products.
Knowledge of RBI regulations and MAS guidelines governing credit dispensation, including loan grading, provisioning, and asset classification.
Working knowledge of the general legal framework in which the bank operates in India.
Good analytical, presentation, and interpersonal skills, and good knowledge of industries and sectors.
Sound knowledge of financial statement analysis and accounting policies and practices.
Knowledge of credit evaluation methods, including surrogate methods such as bank statement- and GST-based evaluation, and related tools and techniques.
Sound understanding of RBI regulatory guidelines on credit, MAS guidelines, and local laws and regulations affecting businesses.
Knowledge of corporate banking products and the SME market in the West; prior approval authority is preferred.
Ability to evaluate lending proposals, assess financial and industry position, and meet with promoters when possible.

Responsibilities

Provide credit support to Credit Approvers in implementing the policy and strategy agreed for the SME segment in the Southern region.
Assist Credit Approvers in establishing credit controls and procedures for SME branches in the Southern region and support business growth within target non-performing loan levels.
Evaluate lending proposals for IBG 4 customers in the Southern region, including assessment of financial position, industry position, and corporate position, and hold promoter meetings when possible.
Approve proposals judiciously when delegated authority is granted.
Use credit analysis techniques to identify significant risks in lending proposals and evaluate and recommend proposals in the SME segment.
Review credit proposals originating from the Southern region to identify information gaps and key risk issues that have not been adequately addressed.
Monitor and track the portfolio and escalate adverse events in companies or industries.
Track portfolio delinquency and ensure necessary follow-up with the front end or borrower to regularize overdue amounts within required timelines.
Ensure compliance with the bank’s internal credit policy and regulatory guidelines for the SME segment.
Ensure compliance with benchmark turnaround times.
Maintain working relationships with the SME Relationship team, CCU, other product teams, RBI inspectors, regulators, and vendors.

Desired Qualifications

Experience in the SME or credit department, or in credit rating.
A postgraduate degree, preferably in business, accountancy, economics, or finance.
Knowledge of the SME market in the West and prior approval authority in previous assignments.

Job Purpose

To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for Southern region.
To assist the Credit Approvers in establishing credit controls and procedures for SME branches in Southern region and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
To actively evaluate lending proposals for IBG 4 customers of Southern region including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible.
Approve judiciously as and when DOA is granted

Key Accountabilities and Requirements:

To use credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in SME segment.
To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.

Job Duties and Responsibilities:

Review of credit proposals originating from Southern region to highlight info gaps, key risk issues not adequately addressed.
Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
Ensure compliance with the benchmark Turnaround Time

Experience
8 to 10 years of experience in Banking (preferably SME or credit department) / Credit Rating.

Education/Preferred Qualifications

Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.

Core Competencies

Good analytical skills
Good presentation skills
Good interpersonal skills
Good knowledge of industries/sectors

Technical Competencies

Sound knowledge of financial statement analysis and accounting policies/practices.
Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
Knowledge of corporate banking products
Knowledge of SME market in West and preferably should have had approval authority in his previous assignments.

Work Relationship

Interaction and good working relationship with SME Relationship team and CCU. Other product teams (GTS, T&M etc), RBI inspectors, regulators, and other Vendors.

Location:

Regional Office Hyderabad

Job:

Risk 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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