Qureos Mentor

DBS Bank

DBS'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.Requirements* 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:

Senior Officer, Business Banking Relationship Manager, 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 ~500 branches in 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.Responsibilities* To deliver exceptional volume and revenue performance by acquiring and engaging with DBS clients having an AUM = &gt; INR 1 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 team* Acquire and upgrade quality clients in the branch location areas to Treasures segment.* 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.* Establish, manage and grow the AUM of mapped Client segment by acquiring and nurturing the client having AUM = &gt; INR 1 M* 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.* Coordinate and work closely with CBG colleagues, Service teams, Product specialist to ensure that team objectives are met through an environment that nurtures harmony and collaboration through teamwork* 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 banking provider in India.Requirements* Minimum 5 years of experience in a reputed bank and proficient in banking products.* In-depth knowledge of local market and competition.* AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage.* Graduate(10+2+3).Apply NowWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Senior Officer, Branch Relationship Manager, 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. 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 for you.Responsibilities* Manage & control all operational functions of the branch with zero errors.* Ensure adequate coordination with centralized operations teams to maintain high quality service and internal and external customer satisfaction.* Ensure timely receipt and submission of regulatory and other reports by the Branch.* Participate in process improvement exercises within branch/cluster.* Identify areas where productivity enhancement and cost reduction initiatives can be introduced.* Initiate team meetings internally within Ops as well as with business teams of the branch and circulate minutes to all stake holders at regular intervals.* Any other job duty and responsibility assigned to you by branch Head from time to time or on adhoc basis.Requirements* Minimum 4 to 6 years’ experience in General Branch Banking Operations out which at least 2 years in a supervisory or managerial capacity.* The incumbent should hold a degree of graduation in any discipline. Additional qualifications in Banking/ Finance / Law or MBA would be an added advantage.* Knowledge of all aspects of branch banking and Operations.
 
Good understanding and working experience of regulatory and compliance aspects relating to this.* Good interpersonal and communication skills to build & enhance customer relation and co-ordination with RMs & Centralized operations.* Leadership & management skills.* Sound knowledge of computer systems, ability to understand and work on different software packages for delivery of various banking products and services.* Analytical skills.Apply Now* We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Senior Officer, Branch Operations Manager, Consumer Banking Group

Job Description / Requirements* Vendor management* Assess and appoint new legal vendors as per bank policy* Renew existing legal vendors basis internal review on performance* Track blacklisted legal firms to ensure that the partners / individuals are not engaged with DBS without explicit approval from DBS Internal legal team.* Maintain MIS for total of empaneled vendors and track dormant vendors, if any; further steps like de-empanelling to be done in suitable cases of dormant vendors.* Track changes in vendor firm composition and initiate necessary actions.* Feedback to vendors regarding end to end TAT management from legal verification initiation to final signed legal report submission.* Documentation* Hidnsight function - Title search and ownership verification on sample basis for each branch, basis legal vendor reports on below parameters* Advisory function* Risk and compliance – identify, assess and mitigate legal risks; ensure adherence to location specific regulatory requirements* Collections* Fraud prevention* * Invoice processing of legal vendors within agreed time lines.

Senior Associate, Legal Manager, Risk Management Group

Function of the DepartmentCompliance Department works closely with the business partners to manage the Bank’s regulatory / compliance risk by balancing its objective to maximise returns against an acceptable risk profile.The compliance department, partners with stakeholders in developing controls and adequate governance framework and also develops a compliance assurance programme as part of independent second line function.To manage risk effectively and run a successful business we invest in our people and infrastructure.Job Purpose To conduct assessment of the compliance risk and to develop a risk-oriented activity plan for compliance assessment. To monitor and periodically test compliance by performing sufficient and representative compliance testing. Key Accountabilities / Requirements* Driving Compliance Culture and standards* Assess the Compliance Risk within the Bank and arrive at a Compliance Testing Plan.* Conduct Thematic / Spot Reviews as per the Compliance Testing Plan* Conduct other periodic reviews such as RBS Tranche III Testing, Surveillance of the Treasury function etc.* Support the department / Bank during regulatory inspections.* Be updated of the latest regulatory developments in the Industry* Drafting policies / procedures related to the Compliance department* Take up related roles such as Compliance Advisory / Regulatory Engagement etc within the Compliance Department whenever required.Job Duties & Responsibilities* Evaluate various circulars / products / processes across the Bank to assess the compliance risk at the Bank level and at Business Unit /Support Unit level.* Work out a Risk oriented Compliance Testing plan based on the key risk areas identified as part of the risk assessment activity* As part of Thematic Reviews, prepare the scope of the review, conduct walkthroughs with the stakeholders to understand the controls in place to manage regulatory risk and conduct data driven testing.* Arrive at design level issues and operational lapses and suggest measure to rectify / resolve the same and prevent its occurrence in future.* Discuss the review findings with the stakeholders and arrive at management actions for resolution.* Prepare reports of the Thematic Review findings and present it to the management as per requirement.* Work closely with Business / Support units to ensure closure of management actions agreed upon, ensure overall compliance to all applicable regulatory and licensing requirements and improve overall control environment and promote sustainable growth.* Track agreed actions through to conclusion and escalate wherever overdue.* Conduct RBS Tranche III Testing by following up for control description and samples from the BU/SU. Ensure correct and timely completion of the activity.* Monitor the Treasury Department by way of reviewing calls / emails / chats etc to identify anomalies in benchmark rate submission and in handling Material Non Public Information (MNPI)* Maintain a broad knowledge of the business and regulatory framework in Banking/Financial services and stay aware of the latest regulatory developments within the industry through Networking with peers across banks.* Engage with the regulators during inspections whenever required to do so.* Proactively identify the regulatory requirements with respect to the Compliance Department and draft policies, procedures, and practices for the same.
 
Conduct periodic reviews of the compliance department in line with the regulatory requirements.* Explain the circulars / guidelines to the Business / Support Units wherever required to increase their understanding about the regulatory guidelines. Drive the compliance culture and agenda within the Bank.Required Experience * Compliance / Risk / Audit Role in Bank for 8-12 years (incl. exposure to compliance reviews / testing)* Sound financial and technical knowledge of banking and financial services laws* Knowledge of overall banking environment and regulatory circulars/guidelines.Core Competencies * Able to identify and forecast compliance risks in line with the proposed business growth & find solutions* Analytical and comprehension skills to understand & interpret regulatory requirements* Attention to detail and research-oriented approach* Sound approach to problem solving* Good communication and negotiation skills at all levels, especially drafting & writing skillsEducation / Preferred Qualifications Professional (CA / MBA-Finance from reputed institute), with experience in Bank Compliance / Risk / Audit Department for 6-12 years

Assistant Vice President, Compliance Assurance, Legal Compliance & Secretariat

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 for you.Responsibilities* Acquiring new accounts (Current and Savings) from branch catchment area •;Quality sourcing of salary accounts from corporates* Activate Accounts opened, UPI Linkage, M0 Balance, Savings balance and increase wallet share of our banking products includes Insurance, Mortgages, UL, SIP, MF etc & manage the portfolio.* Participate in corporate induction and migration events around the catchment area* Build strong relationship with internal teams to leverage existing relationships from SME* Conduct low-cost micro marketing activities around catchment areas for lead generations.Requirements* 1 - 2years of relevant experience* Graduation/Post Graduation* Sales & Networking Skills* Good Communication & Listening Skills* Goal / Target oriented* IRDA & AMFI certification is preferred. This is a must post joining.* Excellent verbal and written communication skills* Banking Knowledge* Computer Skills & Digital Knowledge* Good Network in the MarketApply NowWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Assistant Officer, Personal Banker, Consumer Banking Group

Join DBS Bank and explore 10   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.

DBS Bank

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Senior Officer, Business Banking Relationship Manager, Consumer Banking Group

Senior Officer, Branch Relationship Manager, Consumer Banking Group

Senior Officer, Branch Operations Manager, Consumer Banking Group

Senior Associate, Legal Manager, Risk Management Group

Assistant Vice President, Compliance Assurance, Legal Compliance & Secretariat

Assistant Officer, Personal Banker, Consumer Banking Group

Assistant Officer, Personal Banker, Consumer Banking Group