- Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes:
• Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes
• Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship
• Identifying business clients credit needs and proposing suitable products, services and/or solutions
• Supporting efforts to gain new business and grow earnings potential from existing clients, e.g. at client conferences
• Advising and guiding teams in the development of bespoke products/solutions/platforms
• Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients
• Optimal utilisation of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements
• Maintaining and growing business contacts and leads in the lending business
• Compliance with internal and credit-related regulations, e.g., QS audit results, KWG•18 etc.
• Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelines
- Increase acquisition of target clientele across business instalment loan segments.
- Responsible for new business acquisition through open market.
- Build and strengthen strong network of direct sales agencies in the market.
- What we’ll offer you
As part of our adaptable scheme, here are just some of the benefits that you’ll enjoy.
- Best in class leave policy
- Gender neutral parental leaves
- 100% reimbursement under childcare assistance benefit (gender neutral)
- Sponsorship for Industry relevant certifications and education
- Employee Assistance Program for you and your family members
- Comprehensive Hospitalization Insurance for you and your dependents
- Accident and Term life Insurance
- Complementary Health screening for 35 yrs. and above
- Your key responsibilities
- Responsible for new business acquisition through open market.
- Should have a strong network of DSA's in the market - Atleast 10 DSA's with whom files are discussed on a regular basis.
- Strong at DSA management and new DSA empanelment.
- Your skills and experience
- In-depth knowledge of Product and Policy
- Having Good Communication skill
- Having good negotiation skill
- Have and understood the market update and knowledge.
- Having awareness and information about the competition
- How we’ll support you
- Training and development to help you excel in your career.
- Coaching and support from experts in your team.
- A culture of continuous learning to aid progression.
- A range of flexible benefits that you can tailor to suit your needs.
- About us and our teams
Please visit our company website for further information:
https://www.db.com/company/company.html
📌 Sales Manager-BIL (Chennai)
🏢 Deutsche Bank
📍 Chennai
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