Job Purpose

To acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions to automobile, tractor, commercial vehicle, two-wheeler, and equipment dealers, while ensuring portfolio quality and compliance.

Key Responsibilities

Business Development Acquisition
- Source and onboard in the targeted ecosystem new automobile dealer CV / PV / STEEL dealers for dealer finance facilities.
- Build robust relationships with OEMs, distributors, and dealer principals.
- Achieve disbursement, revenue, and AUM targets as per business plan.
- Identify cross-sell opportunities (CASA, insurance, working capital , etc.).

Relationship Management
- Act as the primary point of contact for assigned dealer portfolio.
- Maintain long-term relationships to ensure repeat business and portfolio growth.
- Address dealer queries related to limits, drawdowns, repayments, and documentation.

Credit Operations Coordination
- Collect and verify KYC, financials, stock statements, and other credit documents.
- Prepare credit proposals and coordinate with credit,



operations, and legal teams.
- Ensure timely renewal, enhancement, and review of limits.
- Monitor inventory funding, stock audits, and utilization of limits.

Portfolio Risk Management
- Monitor dealer account performance and early warning signals.
- Ensure timely collections, overdue follow-ups, and delinquency control.
- Adhere to credit policies, compliance norms, and audit requirements.
- Maintain portfolio quality within prescribed delinquency levels.

Market Industry Intelligence
- Track local market trends, OEM schemes, dealer sales cycles, and competition.
- Provide feedback on product features, pricing, and process improvements.

Key Performance Indicators (KPIs)
- NTB Disbursement AUM growth
- Number of new dealer acquisitions
- Portfolio quality (DPD / NPA levels)
- Yield fee income
- Renewal retention ratio

Education
- Graduate in any discipline (MBA preferred)

Requirements
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📌 Associate, Relationship Manager (Bengaluru)
🏢 DBS Bank
📍 Bengaluru