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 DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.

Senior Associate, Credit Approval, Risk Management Group.

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