Qureos Mentor

DBS Bank

Job Purpose : This role drives data-driven lead generation and business analytics for SME clients (NTB/ETB) across Asset & Liability - enhancing database quality, targeting, efficiency, productivity, and revenue. It also encompasses value proposition, critical business insights, competitive analysis, and stakeholder collaboration to foster growth, elevate product value, and achieve top-line growth.Key Accountibilities : * Create a sizeable database of MSME customers for curating leads* Setting up data led sourcing model for IBG4* Creating pre-approved/pre-qualified sales campaigns for MSME customers to drive revenue* Create distinct Value proposition for different segments* Portfolio analytics to drive NTB/ cross-sellJob Duties & Responsibilities : * Collaborate with data partners, data chapter to crate curated list of SME customers and develop pre-approved campaigns for lead generation. Manage repository for One Bank data between SME-CBG.* Track and manage lead funnels, monitor conversion for NTB/NTP leads, and analyse conversion data to enhance campaign and sales efficiency.* Leverage data insights to improve wallet penetration, optimize the customer lifecycle, and provide regional/location-wise data insights to the Business Team.* Form strategic partnerships to gain market and industry insights, identify location-specific opportunities, and uncover white spaces for business growth.* Monitor competitor products and conduct ongoing market analysis to enhance DBS's market presence and penetration.* Develop go-to-market strategy and value propositions for each segments* Ensure smooth transitions from lead to active customer stages, convert Treasures customers to SME banking, and adhere to data framework guidelines and the bank's PURE framework.Required Experience : * Min 8-10 years of experience with relevant experience in Data Analytics/Business Analytics in Business Banking / SME* MBA or CA or equivalent to that.Core Competencies : The job holder needs to posses the following skills: * Strong analytical bent of mind* Experience around data science* Excellent communication* Collaborative skill set to drive execution.Work Relationship : * Internal: SME Business, SME Product, Data Chapter, SME Credit* External: Data partner DBS India - Culture & BehaviorsDBS is dedicated to fostering a culture where every employee is valued, respected, and heard. We pride ourselves on offering a workplace that promotes continuous professional development, flexible working arrangements, and opportunities for growth within an inclusive and diverse environment.
 
We expect our employees to demonstrate the following value-driven behaviours:

Assistant Vice President, Program manager- Business Analytics, Small Medium Enterprises

Business FunctionAs the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you. Job Purpose* To be responsible for the overall management of the Bank’s business & operations in the cluster (including branch level) in accordance specified guidelines, so as to ensure best of class client experience within acceptable level of risks.
 
To be the P&L owner for assets and liabilities in the respective clusterKey Accountabilities* Responsibility for Cluster P&L, Serve as a pivotal member of the leadership team in formulating Bank goals & strategy (short term and long term) and translation of the same to business plan at a cluster and branch level* Develop and implement strategies and plans consistent with established goals in each product line and service in the cluster & ensure achievement of branch and cluster level Business Targets.* Collaborate with Product Teams, Operations Teams, Regional delivery teams, branches in developing operational plans for the cluster based on the overall targets and budgets for the region.* Regularly conducts detailed reviews of the Bank’s operations and takes appropriate decisions for reallocating resources and re-deciding priorities.* Recommend plan for setting up of new branches and ATMs in the region as per requirementsJob Duties & responsibilities Drive implementation of marketing promotions and campaigns across all product propositions in the respective cluster* Manage deployment of manpower across the branches in the respective cluster* Ensure efficient operations in the cluster by establishing and monitoring adherence to operational policies and procedures.* Develop and ensure implementation of changes in policies and procedures to improve productivity and service levels. Ensure adherence to turnaround time in all banking processes in the cluster such as account opening, grievance handling etc.* Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team members.Education / Preferred Qualifications Graduate/MBACore Competencies * Stakeholder Management skills* Business focus with a sales acumen* Excellent interpersonal and communication skills* Ability to build strong relationships with clients.* Ability to meet deadlines.* Knowledge about internal/external regulations.Work Relationship* Leadership traits* Effective communication between self and superior* Inter-personal skills & team player* Display of RED Attitude (Reliable, Easy to deal with & Dependable)DBS India - Culture & Behaviors* Performance through Value Based Propositions* Ensure customer focus by delighting customers & reduce complaints* Build pride and passion to protect, maintain and enhance DBS’ image and reputation* Enhance knowledge base, build skill sets & develop competencies* Execute at speed while maintaining error free operations* Maintain the highest standards of honesty and integrity

Assistant Vice President, Cluster Head , Consumer Banking Group

Business FunctionAs the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions across 600 branches across the country. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits (incl. structured solutions for NRI), investments, insurance, mortgages, credit cards and personal loans to help our customers realise their dreams and aspirations at every life stage.Job Purpose* To deliver exceptional volume and revenue performance by acquiring and engaging with DBS* Treasures clients having an AUM = &gt; INR 20 Million through “need-based approach”r; and ensure client coverage and product penetration through cross-sell and up-sell of DBS products and services.* To manage & maintain the highest customer satisfaction and service levels through pro-active client engagement & relationship management, coordinating internally with DBS Service and Distribution and Product teamKey Accountabilities* Acquire and upgrade quality Treasures clients in the branch location areas* Engage with existing customers to deepen the wallet share through retention and growth of AUM.* Accountable for achieving monthly & annual volume and revenue objective, as agreed.* Ensure activation of e-Channels (I-Banking / M-Banking/ Online MF/Debit Card) and Savings Book growth* Ensure proper implementation & execution of product strategies through effective relationship management.* Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions* Ensure optimum product mix and new- to- product clients aimed at customer level profitability and enhancing client coverage.* Drive and deliver exemplary customer service in the local market and uphold DBS service standards.* Ensure internal and regulatory compliance through strict adherence to DBS sales process, timely risk reviews and exercising due diligence while on-boarding.* Ensure exemplary service delivery of these clients by building appropriate workflows and processes incl. doorstep banking etc.Job Duties & responsibilities* Establish, manage and grow the AUM of the elite Treasures Client segment by acquiring and nurturing the client having AUM = &gt; INR 10 M* Ensure timely portfolio review by jointly engaging with Wealth / Investment / Insurance specialist with clients.* Ensure complete knowledge of all products & services through continuous skill and knowledge improvement.* Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy.* Provide feedback on market, competition and products, suggest innovations & ideas for continuous product and service improvements.* Keep attuned to the current economic and financial markets to be current and proficient to ensure effective engagement with the elite segment of Treasures customers.* Coordinate and work closely with CBG Relationship Manager peer groups and colleagues, Service teams, Product specialist at branches to ensure that team objectives are met through an environment that nurtures harmony and collaboration through team work* Work closely with the Line Manager and City / Cluster Head to ensure achievement of common team and Branch objectives.* Ensure internal and regulatory compliance and address operational risks if any, e.g.
 
Health & Safety standards, security of premises, AML / KYC and ongoing risk reviews.* To exercise appropriate due diligence while on-boarding and engaging with clients.* Establish DBS as a primary banker for clients and as a prominent wealth management provider in India.* Organize exclusive lifestyle, sports , music and such other elite engagement events and activities for prospect generation , entrench existing relationship and reinforce the DBS brand in the Private Wealth management spaceRequirements: * Sound understanding of financial planning and wealth management products in India* In-depth knowledge of local market and competition.* AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantageEducation / Preferred Qualifications* Graduate / Post Graduate with MBA in relevant fieldCore Competencies* Effective probing and listening skills.* Strong Relationship Management and influencing skills* Self-driven and ambitious.* Good written and verbal communication skills* Results-orientated & the ability to deliver results under pressure* Understanding of competitive positioning* Strong service orientation, customer-centric behavior.* Focused on developing image and good will of the brand* Creative, inquisitive mind with problem solving abilities.* Ability to deliver results within tight timelines.* Attention to details, analyzing abilities.Technical Competencies* Understanding of HNI Sales/ wealth management product suite, platforms and operational procedures* Understanding of banking and para-banking guidelines 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.* Knowledge of financial markets and products to assist in meaningful engagement with clients.Work Relationship* Management of clients and prospects for acquisition and deepening of wallet share.* Close interaction with Treasures Elite Team Leader, City / Cluster Head, Branch Service and Operations team to ensure consistent delivery of volume and revenue targets.* Close and regular interaction with Branch Product specialists for effective skill / knowledge development of self and explore potential in existing book through joint engagement with clients.Mandatory Training* GCAP (Group Customer Acceptance Policy)* BCAP (Business Customer Acceptance Policy)* AML (Anti Money Laundering) and KYC Guidelines* PIP (Personal Investment Policy)* ORM (Operational Risk Management)* Information Security PolicyDBS India - Culture & Behaviors* Performance through Value Based Propositions* Ensure customer focus by delighting customers & reduce complaints* Build pride and passion to protect, maintain and enhance DBS’ image and reputation* Enhance knowledge base, build skill sets & develop competencies* Execute at speed while maintaining error free operations* Maintain the highest standards of honesty and integrity.

Analyst, Treasures Relationship Manager, Consumer Banking Group

Business Function: Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank's operational processes and inspire to delight our business partners through our multiple banking delivery channelsResponsibilities* Must have experience in 24/7 production support team (L1, L2) in Banking domain or credit card domainAwareness in Software Development Life Cycle knowledge(SDLC) on Agile methodology* Analyze financial data and market trends to identify opportunities and risks for the bank* Develop and maintain financial models and reports to support decision-making processes* Collaborate with cross-functional teams to gather and interpret data, and provide insights and recommendations* Monitor and resolve production issues based on standard operating procedures (SOPs)* Proactively identify and address potential problems to ensure smooth operationsRequirements* Minimum Bachelor's degree* 2-4 years of experience in application support, batch support, and handling tickets in a banking or financial services environment* Strong analytical and problem-solving skills with the ability to work with large datasets* Proficient in using financial analysis tools and software* Excellent communication and presentation skills to effectively convey insights to stakeholders* Proactive and detail-oriented approach to monitoring and resolving production issues* Candidate should have experience in Linux* Should be good in observability and monitoring.

Analyst, SRE Application Support, Consumer Banking Group Technology

Business FunctionDBS's Corporate, Consumer, and Investment Banking division offers a comprehensive suite of commercial banking products and services. These include cash management, current and time deposits, trade finance, working capital finance, term loans, and foreign exchange. Through our unwavering commitment, DBS has fostered enduring relationships with customers across the region, built on strong account relationship management, differentiated service, innovative product development, and rigorous credit standards.Job PurposeThe Business Banking Relationship Manager will be responsible for acquiring and cultivating a diverse portfolio within the DBS SME (Micro and Small) and Retail asset segments. He / She will be responsible for generating revenue from various sources, such as assets, liabilities, and BANCA products, aiming for healthy income while maintaining an acceptable risk profile for the bank.
 
The successful candidate will achieve these results in strict adherence to the bank's prescribed lending guidelines.Key Accountabilities* Source new-to-bank asset relationships within the SME segment, targeting businesses with a turnover up to 50 Crore, in alignment with DBS's lending policy.* Source retail assets and current accounts, and actively cross-sell wealth, insurance, and other fee-based products in accordance with permissible DBS policies.* Ensure high-quality sourcing and gather appropriate market feedback before onboarding new customers.* Play a pivotal role in enhancing the profitability of the branch.* Strengthening DBS's brand value and expand its network within the local market through various marketing activities, collaborations, and events.* Comply with all bank processes and policies, ensuring positive ratings during all Country and Group audits.Job Duties & responsibilities* Identify and acquire new-to-bank asset relationships within the SME segment (up to 50 Crore turnover), ensuring alignment with the Bank Lending Policy. Collaborate with SME Relationship Managers, customers, risk teams, and operations teams to facilitate sanction and disbursement of these relationships.* Refer CASA (Current Account Savings Account) accounts, retail assets, deposits, and other Consumer Banking Group (CBG) products (e.g., Wealth, insurance, CEP) to the relevant Branch team members.* Actively cross-sell Banca, Liability, Trade, Cash, and Treasury products to acquired clientele.* Achieve individual budgeted revenues across all product parameters.* Conduct thorough due diligence during the onboarding process for new asset relationships.* Increase customer wallet share by consistently exploring opportunities to cross-sell additional bank products.* Provide local market insights regarding customers to SME Relationship Managers post-onboarding, as needed.* Adhere strictly to Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.* Complete all assigned learning programs by DBS in a timely manner.* Comply with all bank processes and policies.* Maintain strong relationships with local business stakeholders, including existing and prospective clients, market leaders, CAs (Chartered Accountants), influencers, and industry associations, to stay updated on current market practices and local intelligence.* Report any material information regarding business opportunities, industry risks, or customer risks to senior functional management at regular intervals.Required Experience* A minimum of 3-5 years of overall sales experience.* At least 2 years of sales experience specifically in SME/Business Banking Lending.* A proven sales track record in the asset business within the SME/Business Banking or LAP (Loan Against Property) segment.* Solid knowledge of competitors and the marketplace.* Market knowledge and experience in the SME segment, particularly concerning customer preferences and requirements, is highly preferred.* Excellent communication and listening skills.* Strong sales and negotiation skills.* Proficient knowledge of Working Capital Finance.Education / Preferred Qualifications* Minimum Under Graduation completion in any degree courses.DBS India - Culture & BehaviorsDBS is dedicated to fostering a culture where every employee is valued, respected, and heard. We pride ourselves on offering a workplace that promotes continuous professional development, flexible working arrangements, and opportunities for growth within an inclusive and diverse environment. We expect our employees to demonstrate the following value-driven behaviours:

Analyst, Business Banking Relationship Manager, Consumer Banking Group

Senior Officer, Business Banking Relationship Manager, Consumer Banking Group

Senior Offiecr, Business Banking Relationship Manager, Consumer Banking Group

Join DBS Bank and explore 13   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.