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 current 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

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