Job Purpose
- 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 Responsibilities:
- 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 Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
- Ensure compliance with the benchmark Turnaround Time
Experience (Indicate nature and extent of work experience including number of years required, if applicable.)
- 6 to 17 years of experience in Banking (preferably SME or credit department) / Credit Rating.
Education:
Qualified 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 o

📌 Senior Associate, Specialist, Credit Approval, Risk Management Group (Mumbai)
🏢 DBS Bank
📍 Mumbai