DBS Bank

Regional bank offering digital banking

Senior Associate - Credit Approval, Risk Management Group

Retail & Commercial BankingPosted on Nov 11

Full-timeMumbai, Maharashtra, IndiaNo salary listedIn-person

About the Job

Requirements

Five to seven years of work experience in banking, preferably in the SME or credit department, or in credit rating.
Professional qualification or a postgraduate degree, preferably in business, accountancy, economics, or finance.
Sound knowledge of the Indian market and the risks associated with industries, companies, and products.
Knowledge of RBI regulations and MAS guidelines governing credit dispensation, including loan grading, provisioning, and asset classification.
Good analytical skills.
Good presentation skills.
Good interpersonal skills.
Good knowledge of industries and sectors.
Sound knowledge of financial statement analysis and accounting policies and practices.
Good knowledge of credit evaluation methods, including surrogate credit evaluation using bank statements or GST, and related tools and techniques.
Sound understanding of credit regulatory guidelines issued by RBI, MAS, and local laws and regulations affecting businesses.
Knowledge of corporate banking products.
Knowledge of the SME market; prior approval authority in previous assignments or organizations is preferred.

Responsibilities

Provide credit support to Credit Approvers in implementing the policy and strategy agreed for the SME segment.
Assist Credit Approvers in establishing credit controls and procedures for SME branches and support Business Lines to grow while maintaining business operations within target NPL.
Actively evaluate lending proposals for IBG 4 customers based on bank statement analysis.
Approve judiciously when delegated authority (DOA) is granted.
Review credit proposals originating across India and highlight information gaps and key risk issues that are not adequately addressed.
Monitor and track the portfolio and escalate adverse new events in companies or industries.
Track portfolio delinquency levels and ensure required follow-up with the front end or borrower to regularize overdues within a time-bound manner.
Ensure meticulous compliance with the bank’s internal credit policy and regulatory guidelines for the SME segment.
Ensure compliance with the benchmark turnaround time.

Desired Qualifications

Banking work experience in the SME or credit department, or credit rating experience.
A professional qualification or postgraduate degree, preferably in business, accountancy, economics, or finance.
Prior approval authority in previous assignments or organizations.

Job Purpose and Requirements :

To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
Approve judiciously as and when DOA is granted

Key Accountabilities :

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.

Job Duties and Requirements:

Review of credit proposals originating from PAN India and 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 Banks internal credit policy as well as regulatory guidelines for the SME segment.
Ensure compliance with the benchmark Turnaround Time

Experience

5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating.

Education:

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 and preferably should have had approval authority in previous assignments /0rganisation

Location:

Mumbai

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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