Business FunctionCorporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.Job Purpose To ensure Timely & Quality management of Complaints, correct reportings, Trend Analysis to work with stakeholders to reduce complaints Key Accountabilities Complaints TAT reductionCorrect RBI/MAS ReportingsThematic Analysis of complaints to identify Process/Journey Gaps and fix the same to deduct customer complaintsJob Duties & responsibilities Govern all complaints received from customers of Institutional Banking GroupDaily monitor and reduce Complaints TATEnsure Quality of responsePrepare RCAIdentify Gaps looking at complaints trend and play a key role in working closely with stakeholders towards process & product improvementResponsible for RBI reportingResponsible for Group reportingManage Internal OmbudsmanPresent the complaints details analysis and initiatives taken to bring down complaints or address Root Cause – to Board Members and Senior management quarterlyMaintain and Publish Complaints dashboardOwn and take for final decisioning of Arbitration casesConduct Trainings if requiredShare insights and learnings with frontlineRequired ExperienceMandatorily worked in Banking Complaints Management in previous role.Education / Preferred QualificationPost GraduationCore CompetenciesUnderstanding of RBI Circulars related to Customer Service and Complaints Governance. Complaints Management. Complaints Data Analysis to map and identify trends. Identify Journey breaks/pain points and fix the same.

Anchor Program Manager Location: BangaloreBusiness FunctionGlobal Transaction Services (GTS) is a product group focused on the management and sale of Cash Management, Trade Finance to institutional clients.Job Purpose To build SCF Business across key anchors in India through our SCF Product Offerings - Supplier Payment Services (SPS), Integrated Supplier Finance (ISF), Traditional Supplier Financing, Account Receivable Purchase (ARP) and Distributor Financing (DF).Key Accountabilities Supporting IBG/GTS RMs on SPS, right from Deal Origination to Spoke Onboarding and UtilizationPlan and build Banks ISF and DF Portfolio, driving the program right from Anchor Prospecting and Deal Structuring/ Documentation to Spoke Utilization and Portfolio Management.Prepare and submit Anchor Credit Note addendum for ISF/DF Offerings; coordinate on Debtor Credit memo preparation for Industry ARP deals.Provide guidance on product/policy/procedure, regulatory compliance, and operations/system-related issues and strengthen risk management. Prospect NTB Anchor leads via aggregator/ partnership models (C2FO, Cashinvoice, ODEX, Rezofin, Kredex, Credable, TREDS etc).To maintain and improve the customer experience; help position the Bank as a key SCF product partner through multi product engagement across clients/prospects. Job Duties & responsibilities Play an active role in development and growth of the Open Account Trade product portfolio of the SCF Team in line with Group guidelines, budgets and Banks B2S Agenda. Work closely with IBG/GTS RMs to identify SCF Opportunities within their portfolio including sharing feedback on SCF programs run by clients with other banks. Ensure timely conversion of SCF Opportunities identified by moving quickly from conceptualization to disbursement stage, meeting expectations from all stakeholders. Innovate/Structure customised solutions across SCF Product Offerings to meet specific customer requirements and improve transaction yields.Monitor and remain accountable for achievements of product revenues against targetsCoordinate business and technical implementation across SCF products, and initiate action where necessary including driving utilization under existing SCF Programs.Maintain close liaison and seek assistance from Head Office GTS product, sales and operations teams for product development, end to end structuring and creating efficient cross border processesEngage with operations and sales to build and maintain an effective customer service model that differentiates DBS Identify system and process gaps and partner trade operations in closing these Provide guidance on regulatory compliance to IBG and GTS salesBuild and maintain suitable MIS Required Experience Total work experience of 8-10 years post qualification, most of which should have been with a bank handling the Trade Product or Sales function. Hands on Trade Operations experience would be an advantage.Education / Preferred Qualifications Preferably should be a CA or MBA (ideally Finance).Core Competencies High level of thinking and execution capabilities – ability to conceptualise and implement new ideas on the groundStrong communication and persuasive skills - communicate effectively (verbally and in writing/presentation) and influence stakeholders at all levels within the organisation Teamwork – high level of ability to work well with IBG Coverage and Trade RM’s and Group functions and business and support units to achieve full co-operation and synergies.Commercial orientation – ability to identify business/revenue opportunity, plan and focus on achieving budgeted Trade targets in an organized and structured manner. Technical/Market knowledge Trade product knowledge and full understanding of features, capabilities, legal compliance and tax issues. Good understanding of front and back office processes and how these interface with clients needs. Knowledge of local Trade needs of customers, requirements and expectations and trends/drivers in the market place. Well versed with the RBI regulations governing banks as regards Trade products and the general regulatory environment in India.Updated knowledge of SCF product offerings of peer banks; develop connect with SCF teams/peers in other banks for market intelligence on SCF products offered. Technical Competencies As above. Additionally, should possess sound knowledge of Local and international trade regulations, guidelines, SCF Products and best practices governing Trade Finance businessWork Relationship Will need to work closely with IBG/GTS RMs and other support units such as T&O, Credit, Product, Legal, CCU, Compliance and Finance. DBS India - Culture & BehaviorsDrive Performance Through Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS’ ReputationEnhance Knowledge Base, Build Skill Sets & Develop CompetenciesInvest in Team Building & Motivation through Ideation & InnovationExecute at Speed While Maintaining Error Free OperationsDevelop a Passion for Performance to Grow Talent PoolMaintain the Highest Standards of Honesty and Integrity.

Dear Folks,We have openings in Pune and Delhi Location for CPM RM Role. Please find the below Job Description.Role & responsibilities : Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 200 crores to 600 crores, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.Cross Sell of Liability, Trade, Cash and Treasury Product actively.To achieve the individual Budgeted revenues through all product parametersConduct Proper Due diligence while on-boarding New AssetOn board clients with a clear account plan highlighting the revenue potential, risks and mitigants.Adherence to strict KYC/AML requirements.MIS to be provided to the central team for further reporting, within the stipulated guidelines.Timely Completion of Learning Programs as assigned by DBS for time to timeTo comply with the Banks process & policies.To be in touch with local business stakeholders including existing, prospective clients, market leaders, CAs, Influencers and Industry association to be updated on the current market practice and local intelligence.To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval.Preferred candidate profile : Overall 3- 7 years of experience in sales.2-3 years of sales experience in SME/Business Banking Lending.Proven sales track record in asset business in the SME/Business Banking segment.Knowledge of competitors and market placeMarket knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.Interested Candidates please apply and share updated resume to ashleshas@dbs.comRegardsAshlesha

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.Role & responsibilities Act as the central point of contact along with the Govt banking Head in dealing with Central Government with all matters encompassing policy decisions, digital solutions, tie-ups & MOUs (Memorandum of Understanding)Liaison with the various ministries on policy matters related to finance & banking for facilitating mandates across business segments and expand overall business volumes within existing relationships.End to end implementation of Government scheme payments, collection and expansionDeveloping strategies to penetrate new accounts & expand existing ones, meeting predetermined business objectives with the support of Branches and verticals.Supporting digital initiatives of the Government to push towards the digital economy and ease of doing business.Act as a conduit between various central government ministries and internal departments of the bank.Close interaction with the Department of Financial Services, Ministry of Finance on a regular basis.Providing market intelligence about the Government Sector and changes likely to the internal stakeholders.Facilitate business across central and state Govt schemes / departments and build a seamless delivery of products and service capabilityPreferred candidate profile Organise the Banks efforts at both central and state level to cater to the requirements of this segmentInitiate coverage and onboard various central and state Govt ministries, departments, autonomous bodies etc.Garner CA, SA and FD balances from this segmentEnable linkages between central and state level Govt contacts to drive businessWork with Tech team in the Bank to enable necessary infrastructure for smooth delivery of our services in this space. Required Experience 8-15 year of relevant banking experience with strong focus on Govt Banking businessStrong contacts in Ministries, secretarial, Govt departments etcKnowledge of competitors and market

5RM Government Business Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.Job PurposeGovts all over the world and in India have critical functions to perform ranging from creating and maintain key infrastructure, working towards social and economic well being of citizens, equitable distribution of resources, providing enabling environment to businesses, ensuring high quality healthcare and education, food security etc. They budget for, raise and spend money to ensure these objectives and thus becomes an important segment to service from Banking industry perspective. Engagement with Govt machinery both central as well as state and subsequent sales and service effort requires specialised knowledge, skill and is a full time effort. In order to capture this opportunity and align with Banks and Group objective, this critical position is being created.Key AccountabilitiesOrganise the Banks efforts at both central and state level to cater to the requirements of this segmentInitiate coverage and onboard various central and state Govt ministries, departments, autonomous bodies etc.Garner CA, SA and FD balances from this segmentEnable linkages between central and state level Govt contacts to drive businessWork with Tech team in the Bank to enable necessary infrastructure for smooth delivery of our services in this space.Job Duties & ResponsibilitiesAct as the central point of contact along with the Govt banking Head in dealing with Central Government with all matters encompassing policy decisions, digital solutions, tie-ups & MOUs (Memorandum of Understanding)Liaison with the various ministries on policy matters related to finance & banking for facilitating mandates across business segments and expand overall business volumes within existing relationships.End to end implementation of Government scheme payments, collection and expansionDeveloping strategies to penetrate new accounts & expand existing ones, meeting predetermined business objectives with the support of Branches and verticals.Supporting digital initiatives of the Government to push towards the digital economy and ease of doing business.Act as a conduit between various central government ministries and internal departments of the bank.Close interaction with the Department of Financial Services, Ministry of Finance on a regular basis.Providing market intelligence about the Government Sector and changes likely to the internal stakeholders.Facilitate business across central and state Govt schemes / departments and build a seamless delivery of products and service capability.Required Experience6-15 year of relevant banking experience with strong focus on Govt Banking businessStrong contacts in Ministries, secretarial, Govt departments etcKnowledge of competitors and marketEducation/Preferred QualificationPost graduate, MBA or CA with relevant number of years of experience in Corporate BankingCore CompetenciesRelationship building & management skillsGood written and verbal communication skillsGood Analytical skills.Self-driven and highly ambitiousResults-orientated & the ability to handle pressureUnderstanding of competitor productsComfortable with tight deadlinesTechnical CompetenciesSound understanding of liability and asset products and associated technology platforms and operational proceduresUnderstanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clientsWork RelationshipClose interaction with RMs / Branch Manager to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets.Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer.DBS India - Culture & BehaviorsDBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are:Demonstrate Business Performance through PRIDE 2.0 Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS’ ReputationEnhance Self Knowledge, Skills and develop Competencies aimed at continuous improvementMaintain the Highest Standards of Honesty and Integrity

We are seeking a highly motivated and detail-oriented Money Mule Detection Specialist to join our dynamic Financial Crime Management team. The successful candidate will play a crucial role in identifying and preventing money mule activity within DBS Bank, protecting our customers and the banks reputation. This involves using advanced analytical techniques, innovative technologies, and a deep understanding of mule behavioural patterns to detect suspicious activity early in the process. This is a critical role requiring a proactive and collaborative approach. Key Accountabilities Roles & Responsibilities: Build SOP on mule monitoring in line with regulation. Expedite regulatory reporting for all mule cases identified Continuously work on money mule detection mechanism including automation of BAU processes, system upgradation, data analytical skills upgradation. Feed in learnings to the various stakeholders like BU to combat reoccurrence of mule typology at the onboarding stage, transaction monitoring team both on KYC AML as well as Fraud side basis amount/threshold/account pattern behaviour. Work closely with internal stakeholders managing core AML /KYC/Fraud related matters Work closely with other stakeholders including operations (CCTR), business for queries related on the subject matter Develop and maintain advanced analytical models and algorithms to identify potential money mules based on transactional data, behavioural patterns, and other relevant information. Monitor and analyse transaction data in real-time or near real-time to identify suspicious patterns indicative of money mule activity. Investigate suspicious activities flagged by the detection systems, conducting thorough due diligence, and leveraging various data sources to determine the likelihood of money mule involvement. Develop and deliver training programs to colleagues on money mule detection techniques and best practices. Collaborate with other departments, including compliance, investigations, and operations, to share information and coordinate responses to identified money mule activity. Stay up to date on emerging money laundering techniques, technologies, and regulatory requirements relevant to money mule detection. Maintain comprehensive documentation of investigations, findings, and actions taken. Contribute to the continuous improvement of the banks money mule detection capabilities by identifying gaps and proposing solutions. Contribute to the development of effective preventative measures to deter money mules. Prepare reports and presentations summarizing findings and recommendations to management. Liaise with Group / Regulators on such matters Ensure compliance to all policies and procedures laid down by the bank Requirements: 8-10 years of experience in AML / KYC/ Compliance / Fraud monitoring, Good analytical and communication skills Education/Preferred Qualifications Post-Graduate/ CA / MBA/ Graduate Core Competencies Strong analytical and decision-making / problem-solving skills with the ability to identify patterns and anomalies in large datasets., in depth understanding of AML and Fraud risks, knowledge of KYC and Customer Due Diligence, Project management, Team handling, Effective communication skills, Industry connect. Technical Competencies Strong proficiency in MS Excel (Macros and Pivots), MS Access, MS Word. Basic usage of MS PowerPoint. Qualification in a related field (e.g., finance, accounting, computer science, data analytics). Work Relationship Able to work closely with team members within FCSS & Legal Compliance unit Ability to work closely with stakeholders including business, operations, and other units to manage risks emanating from AML/KYC and more specifically mules. Ability to communicate effectively and should possess good presentation skills Ability to work independently and as part of a team in a fast-paced environment. Knowledge of relevant financial regulations and compliance requirements is essential. Experience with AML/KYC systems and processes is preferred. Strong attention to detail and accuracy.

Manage Priority Sector Lending Operations responsible for specific loan products Co lending, BC Lending, Direct Assignment deals. Key Accountabilities Processing of Loan transactions as per the agreed SLA Ensure adherence to the regulatory / SOP guidelines. Pass requisite reconciliation entries so as to keep the accounts clean Manage the processing makers and ensure they are trained and abreast of the process changes. Requirements Ensure smooth day to day loan operations for Co lending, Direct assignment processes. Improve operational Controls and ensure Compliance to all regulations pertaining to Loan and priority sector / securitization guidelines. Loan Disbursal & Loan Servicing (Interest reset, Rollover, Restructuring, Advices, Rate Uploads) Analyzing & Improvising various transactional reports & Customer Advices. Assist in reviewing/developing Department Operating Instructions and ensure adherence of Policy and Procedures. Key role in the UAT & the Project Team in the Successful Implementation of Loan processing System. Support digital Strategy of the bank. Vendor Management and control. Partnering Business team in successful rollout of various PSL products Project Management. Management Reporting Effective Relationships with Senior Management, Internal & External Customers. Ensuring the GLAO and other reconciliations are performed in timely manner Required Experience Candidate should have Minimum 12-13 Years experience in Loan Operations and customer onboarding / KYC. Should have strong knowledge of various corporate and retail loan aspects wrt. Disbursement parameters, EMI calculation, loan servicing products. Should have strong analytical & interpersonal skills Excellent Client / Customer management skills, business orientation. Handling all types of customer complaints, enquiries Queries. Interacting with beneficiary / beneficiary bank / issuing bank regarding any clarification with respect to loan/securitization transactions. Should possess good MS excel capabilities and have a proven track record in working with such projects. Education / Preferred Qualifications Graduate / Post-Graduate with relevant work experience in working in the Loan Ops Unit. Core Competencies Process Management Strategizing and Problem-solving skills Interactive to communicate with different stakeholders. Technical Competencies Excellent hold of MS Excel capabilities Good Computer Skills Overview of systems used in Cash Operations

Group Legal, Compliance & Secretariat ensures that the banks interests are protected by zealously guarding and enhancing its reputation and capital. We also work to maintain a good standing with all our regulators, customers, and business partners. Because we believe that at the heart of business banking is to uphold the values of trust and integrity for all our stakeholders. Responsibilities With growing number of transactions in cards and digital platform hiring resources who will be responsible for the prevention and detection of potential fraud across all payment channels by reviewing customers transactions / accounts and they will monitor system alerts daily and take necessary action to protect customers and the bank. Responsible for developing and implementing action plans for detecting fraudulent activities. Building model for fraud monitoring and provide training to subordinates to efficiently manage fraud monitoring process. Timely review of Fraud and Authorisation rules/parameters in respective systems based on Analysis of new fraud trends. Ensure compliance with all laid down policies and procedures for smooth operations of unit. Initiatives to enhance approval rates Building model for fraud monitoring and provide training to subordinates to efficiently manage fraud monitoring process To ensure investigation is completed & closure report is issued within TAT from the date when case is referred Implementation of fraud rules in systems based on Analysis of new fraud trends. Monitor real time queues and identify high risk transactions within acceptable turnaround time Recommend anti-fraud processes for changing transaction patterns and trends. Process and approve authorisation requests Handle enquiries and complaints from Merchants and Cardholders; undertake investigative and follow-up action to ensure that complaints are properly resolved. Liaising up with merchants to recall the funds within 30 minutes or best effort basis post fraud reported by customer through all channels. Educate Merchants on the correct card acceptance and authorisation procedures. Attend to and process Lost/Stolen Card reports from Cardholders Carry out fraud monitoring and take pro-active follow-up actions to mitigate fraud losses Consistently adopt group Investigation Standards & procedures Contact cardholders to verify transaction Ensure submission of pertinent information / reports on confirmed fraud transactions. Monitor personal and team performance and identify ways to improve team performance and service standards. Willing to work in shifts (24/7) based on team requirements Actively review and streamline operation processes Pro-actively display teamwork and co-operation with each other in a harmonious manner to achieve excellent service quality and standards Check & maintain necessary MIS data, reports, files, records or movements. Provide necessary administrative support in the processing of authorisation- related tasks. Provide timely updates to BU/SU/Team Lead Requirements Associate 4-6 years, Sr. Associate 6-8 years, in similar profile Proficient in English with good interpersonal and communication skills Commerce Graduate Fraud Detection Skills, Risk Management, Communication Skills, Problem Solving Skills etc. Investigation, Data Analytics etc. Support and maintain good working relationship with below units in timely investigations to process customer s fraudulent transactions claims. Internal workstreams like CBG Business Unit/ Product/ CCTR/ Operations etc. External workstreams like Intellect/ Verinite/ M2P vendor etc.

As the leading bank in Asia , DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the Consumer Banking business.DBS has a full spectrum of products and services, including deposits, investments, insurance ,mortgages ,credit cards and personal loans ,to help our customers realise their dreams and aspirations. Responsibilities Grow income from Mutual fund distribution business (trail revenue) and Asset under Management (AUMs) for the Bank and achieve the same in line with budgets. Conceptualize innovative products leading to overall revenue generation of investment income. Co ordinate with regional team for New product approval, update on various business metrics. Conduct regular Reviews of existing Mutual Fund schemes and provide inputs in Fund selection Process. Prepare effective product updates to be shared with all stakeholders. Creating Product awareness among branches through campaign & providing product training to the branches and relationship managers. Drive MF penetration and increase awareness and activation of Product across channels (including DigiBank) through Intelligent and intuitive marketing and promotion campaigns. Timely roll out of cross-sell campaigns. Support Branches and ensuring Timely resolution of branch & customer queries Closely work with regional and local Marketing team to drive the digital guidance and Investment literacy initiatives, communication of newsletters market insights to customers. Ensure compliance to regulatory guidelines (Internal and External) on a need basis Process streamlining and process improvements Keep track of new and upcoming regulations for various countries Requirements Sales Management: To ensure FY budget achievement in investment(Channelmanagement for Branch banking, Priority Business and others) Monitoring RMs Business productivity, process compliance adherence. Working with Business Analytics team to explore new opportunities for business growth. Supporting Investment counsellors with inputs regarding Products, market, strategic initiative, MIS,Operational aspects etc. Initiating and implementing Marketing campaigns targeting existing and prospective customers for cross sel, Upsell, deeper penetration and strengthening business relationship. Driving sales volume by increasing the number of financial Transactions and non-financial transaction Increase the number of SIP Transactions through the Digital assets and cross sell as well . To increase the number customer retention & acquisition through digital Assets To continuously monitor the sales channel and sales performance for better outcomes for the bank To own and operate training modules for sales channel and do run ebd-to-end MIS Management for sales and processes To act promptly basis channel and customer feedback on journey/process and system. Product Management: To manage demat, ASBA and/or any other product(s) that the Investment Team launches for Treasures customers. To identify opportunities for process improvement and implementation best practices To build understanding of demat, ASBA to make informed decisions. To Integrate within organization, building project along with group synergy and crreate cross-functional tie-ups. To improve sales and operational Journeys for better conversion and customer experience Communication Management: To organise and run sales campaigns, D2C communication and marketing campaigns through digital and offline initiatives. To set up investments in phone banking and VRM channel. Other activities: To liaise with Legal, compliance, Marketing & IT team for timely changes in regulation. Launch of NFO/Product and drive end to end process and implementation. Strategies campaign to support sales team to upscale business. To register and execute legal agreement and renew with help of legal and compliance team. To work with cross-functional teams to improve operational efficiency with timely changes and process updation. To fulfill audit requirement, as and when such requirements arise. To communicate with sales team and provide all tech support with regards to digital assets To be the Process owner and to manage escalations, data and any system changes. Measurement criteria Revenue achievement Timely roll out of cross-sell campaigns Timely resolution of branch & customer queries Branch Support through channel Core Competencies Communication skills Interpersonal Relationship Skills Requisite skills Analytical Skills Good Product Knowledge

Performs, establishes and informs clients of the process flows for corporate action events/settlements. At least meet or exceed clients agreed service level requirements and achieve high standard of quality and commitment. Key Accountabilities Account opening for various entities including FPI, FVCI, FDI, AIF etc Performing end to end testing for various systems of SFS. Handling various regulatory audits. Manage process risks Timeliness to ensure that all Corporate Announcements and settlements & processing are done within TAT of receipt of announcements or proceeds. Accuracy to ensure at least 100% accuracy. Should be aware of the latest SEBI / RBI regulations governing custody. Responsive to ensure that all clients queries are responded to within 24 hours of receipt of query or if not to provide interim reply and to follow with a response within 3 days Risk- to ensure that there are no critical audit findings / issues and to escalate any immediate and time critical issues to higher authorities. People to participate in staff surveys, attend training when nominated and be crossed trained in other areas of work within the section or across section in order to become a well-trained leave cover. Job Duties & Responsibilities Checker for the section. Preparing regulatory reporting for various regulators. Prepare management/other reporting. Able to cover staffs that are on leave. Assist/participate in system development/enhancements. Escalate/follow-up on problem cases. Attend meetings related to work scope. Required Experience Previous experience with a Custodian preferably in Corporate Actions and settlements. Education / Preferred Qualifications Graduate. Core Competencies Should possess the following skills: Communication Teamwork & Collaboration Ownership of Result Problem Solving Technical Competencies Should possess the following competencies: Knowledge of Securities Markets SWIFT Awareness of FII & Custodian regulations Sound knowledge of depository module of NSDL & CDSL (DPM) Work Relationship Superior(s) :Direct Supervisor Subordinate(s) :Team Members in Custody Operations Peers:IT Support, Operations Team, T&M, Marketing, Finance & Controls. External Parties:Brokers, Other Custodian Banks, Depository, Exchange, Merchant Bankers and Local Authorities

The job purpose is to originate, structure, and execute a diverse range of debt capital market products, ensuring compliance and contributing to the overall success of the team and the organization. This involves working closely with clients, internal teams, and external partners to deliver high-quality results while managing risk effectively. Key Accountibilities : Origination and execution of Debt Capital Market products Pass Through Certificates, INR debentures, FCY bonds, FCCBs, private credit and other such products. Making pitch decks for client meetings Pitching to clients Regular market and pricing updates to clients Helping with documentation Working with third parties external counsels, trustees, other banks etc. Working with internal clients IBG / asset owners, internal legal & compliance, credit sales team etc. Structuring of PTCs, pool selection, liaison with credit, periodic stress testing, coordination with rating agencies etc. Negotiation with clients. Other activities Taking care of all internal and external compliances Coordination for team audit activities Be active part of team strategy building Manage special projects being awarded from time to time. Job Duties & Responsibilities : Develop and deliver compelling pitch decks for client presentations. Present to clients, explaining product offerings and negotiating deal terms. Provide regular market updates and pricing information to clients. Prepare and manage all necessary transaction documentation. Liaise with external parties (lawyers, trustees, other banks) to ensure smooth transaction execution. Collaborate with internal teams (IBG, asset owners, legal, compliance, credit sales) throughout the deal lifecycle. Structure and execute various debt capital market products (PTCs, INR debentures, FCY bonds, FCCBs, private credit). Perform due diligence and credit analysis on potential borrowers. Manage the selection of assets for PTC pools. Coordinate with rating agencies to obtain credit ratings for debt instruments. Perform periodic stress testing on PTC portfolios. Required Experience : 4 to 6 year of work experience in INR debt capital markets / securitsation, credit structuring, debt advisory etc. Prior experience in structuring and executing PTC transactions Experience in using excel sheet for asset portfolio stress testing using historical pool behaviour Basic understanding of debt finance, financial analysis, covenants etc. Basic understanding of bond mathematics is a must Good presentation and communication skills Good hold over MS power point / MS excel Education / Preferred Qualifications : 4 to 6 year of work experience Core Competencies : Leadership Customer Focus Performance & Results Orientation Innovation & Change Management Teamwork Professional Excellence Technical Expertise : Market Awareness Deal Structuring & Negotiation Problem-Solving & Analytical Skills Strategic Thinking Client Relationship Management

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Responsibilities To grow market share, product lines, customer base and increased efficiency through various acquisition initiatives and synergies. This role will focus on exploring opportunities within the bank and with external stakeholders to drive acquisitions Funnel Management-Digital Lead tracking and management: Track and manage leads generated from multiple sources (digital i.e., paid and organic and overseas corridor). Maintain a comprehensive lead management system, ensuring accurate and timely recording of all lead interactions. Channel Monitoring: Monitor and analyze performance across all lead generation channels. Identify areas for improvement and propose strategies to enhance lead quality and quantity. Funnel management: Manage the entire sales funnel. This includes lead qualification, nurturing, and follow-up, ensuring leads progress smoothly through each stage and that no potential opportunities are missed. Data Analysis & Reporting: Analyze lead data to identify trends, bottlenecks, and areas for optimization. Prepare regular reports summarizing lead generation performance, conversion rates, and overall funnel efficiency. Use data insights to inform strategic decisions and improve lead conversion. Collaboration: Collaborate with marketing, sales, and other relevant teams to ensure seamless lead handoff and effective lead nurturing strategies. Process Improvement: Continuously evaluate and improve lead management processes to increase efficiency and conversion rates. Campaign management - To achieve specific business goals, such as driving sales, increasing brand awareness, generating leads and improving customer engagement through various campaigns. Campaign planning & execution: Develop the campaign strategy and objectives. Work with marketing and relevant teams to get approval and execute the campaign Vendor Management: Manage relationships with external vendors and agencies involved in campaign execution. Performance Monitoring & Analysis: Track campaign performance closely, monitoring key metrics and analyzing results to identify areas for improvement and optimization. Prepare regular reports summarizing campaign performance and providing actionable insights. Training & Collaboration: Train the frontline post launching of campaign and provide with relevant support to push the campaign. Collaborate effectively with cross-functional teams to ensure alignment and successful campaign execution. Reporting & Communication: Prepare regular reports on campaign performance, presenting findings clearly and concisely to stakeholders. Gratification: Gratify customers basis the campaign construct and relevant approvals Cross border management Collaborate effectively with cross-border teams with respect with leads and campaigns Devise strategies to build and scale up acquisition within the global franchise for both Residents leveraging on LRS and NRI s Requirements MBA from a reputed institute Knowledge of NRI and overseas corridors Excel , Analytics, presentation and interpersonal skills 5-7 years of experience in managing digital acquisitions

Business Function Group Human Resources has the important role of attracting, retaining, and nurturing talent to ensure that DBS continues to be a competitive employer in Asia. With a well-established team of HR partners, we support and deliver effective people-based solutions and services across businesses. Our goal is to build a high-performance organisation by empowering and engaging our employees. Because we believe that banking is about people. Responsibilities Conduct risk-based audits of business units to ensure compliance with internal policies and external regulations Review credit approval and monitoring processes for corporate and retail banking clients Evaluate controls over financial reporting and assess compliance with accounting standards and bank policies Requirements Bachelors degree in Accounting, Finance or equivalent discipline 2-4 years of experience in audit or assurance role in a banking environment Strong understanding of banking products including credits, bonds and financial reporting standards Ability to independently plan and execute audits and issue reports on findings and recommendations Attention to detail and strong analytical and problem-solving skills Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose Lead the Relationship Management teams in executing key activities to ensure effective client relationship management and portfolio growth. Oversee the preparation and submission of Credit Memos to the Credit Committee Group (CCG). Drive the completion of documentation formalities in coordination with clients and the Credit Control Unit (CCU). Assist Relationship Managers (RMs) in finalizing legal and valuation reports. Ensure timely follow-up on overdue accounts for regularization. Coordinate with internal units to provide exceptional client servicing. Monitor and identify early warning signals within the portfolio, alerting RMs to potential risks. Manage the existing client portfolio for designated relationship teams, while exploring opportunities to cross-sell additional transaction banking products. Support the team in identifying and addressing early warning signals within their portfolios to ensure proactive risk management. Key Accountabilities Oversee preparation of accurate and well-structured credit proposals in a consistent, clear, and concise manner. Build and maintain strong working relationships with the Business Unit to ensure timely and effective delivery of IBG objectives. Conduct need-based meetings with customers to gain insights into their business, risks, and requirements. Drive the cross-selling of products such as trade, cash management, and foreign exchange to expand business opportunities. Monitor portfolio for irregularities, excesses, breaches, and delays, ensuring proactive management of risks. Ensure compliance with all regulatory reporting requirements and internal policies. Collaborate with the legal team to manage recoveries, minimize bad debts, and prevent NPAs, while assisting with both external and internal audits. Foster customer retention and increase wallet share by monitoring customer satisfaction through detailed MIS, tracking operations, and addressing complaints effectively. Ensure the quality and performance of the portfolio, leveraging available triggers and adhering to risk management guidelines and policies. Track and manage customer complaints, ensuring they are resolved efficiently and effectively. Communicate key messages to customers, including service standards, negotiated pricing, relationship team contacts (including introductions to new team members), and updates on new product offerings. Oversee adherence to risk service standards to ensure alignment with organizational goals. Job Duties responsibilities Oversee preparation of accurate, consistent, and error-free financial spreads in line with the classification parameters established by DBS. Provide clear and concise financial analysis, effectively identifying and highlighting potential risks. Ensure timely completion of reviews, maintaining accuracy and meeting deadlines without errors. Proactively interact with clients to gather required information, clarifications, and resolve any issues. Strictly adhere to the risk management guidelines set by DBS, MAS, and RBI. Monitor and control irregularities or excesses in the portfolio, ensuring they remain within acceptable limits. Develop and maintain a deep understanding of industry sectors within the customer portfolio. Oversee and manage the risk profile for the entire teams portfolio, ensuring alignment with organizational risk policies. Lead and manage performance against key financial targets, including risk-adjusted contributions, sales, service, and operational goals. Develop and execute comprehensive Account Relationship Plans for customers within the portfolio, fostering long-term, strategic relationships.. Requirements Overall, 12-14 years of experience in sales / sales support activities. 10 - 12 years of sales experience in business banking and/or cash management. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and marketplace Market knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable. Education / Preferred Qualifications An MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the Mid-Market Banking segment. Core Competencies Good Analytical skills. Self-driven and highly ambitious Results-orientated the ability to handle pressure Relationship building management skills Understanding of competitor products Comfortable with tight deadlines Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures. Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements Anti-money Laundering Policies are critical. Knowledge of financial markets, products competitor offerings to assist in meaningful dialogue with clients Work Relationship Close interaction with RMs / Branch Managers to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets. Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer. DBS India - Culture Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviours are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement. Maintain the Highest Standards of Honesty and Integrity. Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Job Purpose To manage Network infrastructure for Bank & making infra-available for business with high availability along with internal & external connectivity.The Network Engineers role is to ensure the stability and integrity of data, security and wireless network services. This is achieved by planning, designing, and developing networks across the organization. In addition, the Network Engineer will participate with the installation, monitoring, maintenance, support, and optimization of all network hardware, software, and communication links. This individual will also analyze and resolve network hardware and software problems in a timely and accurate fashion.Key Accountabilities To manage, handle network infrastructure for bank.Job Duties & Responsibilities Network monitoring via Network monitoring tools DBS ownedBuilds and reviews project work e.g. Design recommendations, High-Level Design, Low-Level Design, Implementation/ Change Management Plans.Experienced in design and/or deployment of Data Center solutions including traditional DC standalone Nexus design, VXLAN Fabric-based ACI Fabric solutions using ACI MultiPod / Multisite Fabric architectures.Understanding ACI Network and Migration from legacy network to ACI InfraConfiguration and Management of Nexus Switches for ACI.Experience Working on Cisco ACI Deployment and Operations.Strong understanding & hands on Network protocols (OSFP, BGP, ISIS, PAGP, LACP)Understanding & Hands on VPN tunnels (GRE / IP Sec)Advanced knowledge of various networking Cisco switches, routers, WLC, ISE & F5 Load balancers.Good understanding & hands on switching protocols configurations and troubleshooting VLAN (L2/L3)Understanding & hands on Infoblox, Configuration of grid, managing DHCP services.VTP, STP, Stacking, Ethernet channel.Understanding & hands on WAF, Node, Pool Member, Virtual Server Creation, SSL Offloading, Version upgrade.L3 VLAN Creation, Log review.Network devices addition/deletion in Network monitoring systems & tool (NMS) Internal ticket logging and resolving tickets received to Network team for various incidents. Coordinate with external vendors for links (service providers) Logging calls and raising TAC cases with Network vendors for hardware issues Follow up and closure of tickets raised in internal systems Raising Change request for internal changes and preparing standard Implementation Plans. Monthly, weekly Network and Network security devices back up manually and via Tools Weekly, Monthly Network capacity reports preparation using reports dump from NMS Daily report preparation on core network status and publish to internal stake holders over email. Maintaining Network SLA report for Links and TAC Calls Participation in Monthly review with network vendors and service providers, Validation of SLA reports.Checking logs on devices for errors/alerts received in NMS, Taking corrective actions for alerts Responsible for Configuration, Installation and troubleshooting of network devices in Data Center and branches.Upgrade IOS or code of router and switches and firewalls.Implements changes to Network infrastructure hardware in order to correct errors or enhance functionality Administration experience in Cisco ISE, policy creation, posture & Tshoot hands on, Cisco wireless infrastructure & Sponsor portal. Network troubleshooting and Analysis tools including WiresharkResponsible for checking the Log, Maintenance of Backup etc. for Security and Network Devices which are available in Syslog Server.Ability to Gather Technical information at shortest possible time for troubleshooting tickets Ability to provide detailed written responses to technical requirements Understanding of multiplexing technologies, Independent problem solving. Should work with security team for VAPT and closure of highlighted pointsEducation / Preferred Qualifications Bachelor’s Degree/Diploma from Govt. approved university.ACI, Nexus, BGP, OSPF, L3 Switching Experience 6 Years +Core Competencies Experience on Cisco ACI network management. Experience on Cisco Nexus network management.Understanding and knowledge of difference between BGP & OSPF protocol. Knowing the difference between L2 & L3 switching. Technical Competencies Should have worked on Cisco Routers, Cisco and Arista Switches and Routing protocols. In Depth knowledge in Cisco ACI / Nxus / BGP / OSPFIn Depth Knowledge in L2/L3 Switching & Firewall.In Depth knowledge in Venerable managementWork Relationship Woking relationship with Head Office, and. various departments within Bank.Supervise outsourced resident engineer and third party service providers.Establishing relationship with vendors & Central support teamDBS India - Culture & BehaviorsDrive Performance Through Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS’ ReputationEnhance Knowledge Base, Build Skill Sets & Develop CompetenciesInvest in Team Building & Motivation through Ideation & InnovationExecute at Speed While Maintaining Error Free OperationsDevelop a Passion for Performance to Grow Talent PoolMaintain the Highest Standards of Honesty and Integrity

Business Function Technology and Operations (TO) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality control, technology, people capability and innovation. In Group TO, we manage the majority of the Banks operational processes and inspire to delight our business partners through our multiple banking delivery channels. Job Purpose The ideal candidate should have a Techno-functional experience in Banking domain with expertise in RBI Payment systems like NEFT/RTGS and NPCI payment platforms like Payment system. This role requires a high degree of internal business stakeholder interaction and will need to have superior communication and influencing skills, a very robust understanding of business processes and systems as well as the ability to organize and prioritize end user issues / requests. He / she must be self-motivated with a proven track record in implementation large scale projects in banking domain and must be organized and analytical, adept at working in a team environment, able to implement to a project schedule, and able to handle multiple priorities. Job Duties responsibilities Working efficiently with IT functional and technical teams as well as business users and other stakeholders to understand business requirements and translate to application design within the system landscape in organization Demonstrating cross functional knowledge to ensure that the optimal system solutions are chosen and delivered utilizing cloud applications and infrastructure where possible. Leading the effort to define, design and maintain system solutions, at the same time, ensuring the reliability, efficiency and confidentiality of data in the business applications. Performing project technical design reviews, performing systems testing and leading user acceptance testing to ensure business requirements and timeliness are met for deliverables. Participate at the dress rehearsals to determine the time required for migration, control totals, validation checks,etc. Liaise with auditors to validate the quality and integrity of the migrated data Coordinate with the infosec / system auditors for conducting the security testing / vapt for Payments application and its infrastructure Liaise with the project team to close open observations for security testing and performance testing Coordinate with the infra team for setting up the environments and its interfacing with other applications Ensure audit requirements, compliance requirements, Infosys requirements etc are adhered at the CBS Scheduling online meetings with various stakeholders for data migration, performance testing, security testing, environmental setup etc. Preparation of project plan, senior management presentation, minutes of meeting, etc. Requirements 15-18 years Education / Preferred Qualifications Engineering Degree Core Competencies Banking knowledge Technical Competencies Unix /Shell Scripting / Pl/SQL

Business Function As the leading bank in Asia , DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the Consumer Banking business.DBS has a full spectrum of products and services, including deposits, investments, insurance ,mortgages ,credit cards and personal loans ,to help our customers realise their dreams and aspirations. Responsibilities Grow income from Mutual fund distribution business (trail revenue) and Asset under Management (AUMs) for the Bank and achieve the same in line with budgets. Conceptualize innovative products leading to overall revenue generation of investment income. Co ordinate with regional team for New product approval, update on various business metrics. Conduct regular Reviews of existing Mutual Fund schemes and provide inputs in Fund selection Process. Prepare effective product updates to be shared with all stakeholders. Creating Product awareness among branches through campaign providing product training to the branches and relationship managers. Drive MF penetration and increase awareness and activation of Product across channels (including DigiBank) through Intelligent and intuitive marketing and promotion campaigns. Timely roll out of cross-sell campaigns. Support Branches and ensuring Timely resolution of branch customer queries Closely work with regional and local Marketing team to drive the digital guidance and Investment literacy initiatives, communication of newsletters market insights to customers. Ensure compliance to regulatory guidelines (Internal and External) on a need basis Process streamlining and process improvements Keep track of new and upcoming regulations for various countries Requirements Sales Management: To ensure FY budget achievement in investment(Channelmanagement for Branch banking, Priority Business and others) Monitoring RMs Business productivity, process compliance adherence. Working with Business Analytics team to explore new opportunities for business growth. Supporting Investment counsellors with inputs regarding Products, market, strategic initiative, MIS,Operational aspects etc. Initiating and implementing Marketing campaigns targeting existing and prospective customers for cross sel, Upsell, deeper penetration and strengthening business relationship. Driving sales volume by increasing the number of financial Transactions and non-financial transaction Increase the number of SIP Transactions through the Digital assets and cross sell as well . To increase the number customer retention acquisition through digital Assets To continuously monitor the sales channel and sales performance for better outcomes for the bank To own and operate training modules for sales channel and do run ebd-to-end MIS Management for sales and processes To act promptly basis channel and customer feedback on journey/process and system. Product Management: To manage demat, ASBA and/or any other product(s) that the Investment Team launches for Treasures customers. To identify opportunities for process improvement and implementation best practices To build understanding of demat, ASBA to make informed decisions. To Integrate within organization, building project along with group synergy and crreate cross-functional tie-ups. To improve sales and operational Journeys for better conversion and customer experience Communication Management: To organise and run sales campaigns, D2C communication and marketing campaigns through digital and offline initiatives. To set up investments in phone banking and VRM channel. Other activities: To liaise with Legal, compliance, Marketing IT team for timely changes in regulation. Launch of NFO/Product and drive end to end process and implementation. Strategies campaign to support sales team to upscale business. To register and execute legal agreement and renew with help of legal and compliance team. To work with cross-functional teams to improve operational efficiency with timely changes and process updation. To fulfill audit requirement, as and when such requirements arise. To communicate with sales team and provide all tech support with regards to digital assets To be the Process owner and to manage escalations, data and any system changes. Measurement criteria Revenue achievement Timely roll out of cross-sell campaigns Timely resolution of branch customer queries Branch Support through channel Core Competencies Communication skills Interpersonal Relationship Skills Requisite skills Analytical Skills Good Product Knowledge

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose To drive and deliver exceptional business performance to grow the CBG portfolio through the provision of efficient business management, powerful leadership, team development and achievement of operational rigour excellence with multiple customer categories. Key Responsibilities Accountable for achieving monthly annual sales targets for the city, as agreed. Ensure proper implementation execution of relationship management investment advisory strategies. Ensure proper sales spread between products. Aim to balance NTB (New to Bank customers) with increase penetration of existing customers to deepen the wallet share. Monitoring of progress towards achieving targets is done on a weekly basis. Agree targets and take accountability for the overall achievement of CBG product portfolio performance objectives for the branch in terms of Customer Experince, Sales Growth Income Contribution. Costs performance, Employee Satisfaction, Risk and rigour management. Provide clear direction on business objectives, translating and prioritizing into business performance measures. Ensure balance between NTB customer acquisition penetration of existing customers. Define objectives for the emerging affluent (Non Treasures) as well as the Treasures segment. Develop implement strategy to deepen wallet share of existing customers. Build and develop a high performing team through embedding performance development and coaching. Create an empowering environment for the team, encouraging individual ownership and initiative. Ensure coaching and feedback in order to achieve their maximum potential. Make reward decisions within set guidelines Drive and deliver a radical improvement in customer service in the local market through dynamic service leadership and the implementation of customer service strategy. Define progressively higher service standards for each branch aligning to DBS standards. Ensure reduction of complaints error rates. Job Duties Responsibilities Working with the Branch Heads to achieve sales service through in-branch business development activities, and providing feedback to the team. Manage staff attendance levels, based on monthly absence statistics (annual leave, sick leave, etc.) to ensure proper work ethics discipline. Directly responsible for discipline initiate misconduct or incapacity charges, follow discipline processes together with HR Determine and manage Training Needs Analysis and Succession plans for Team Leaders in the branch Working with the team to achieve sales service through in-branch business development activities. Ensure that branch staff own and manage customer queries and complaints by taking ownership and resolving in a timely manner. Act as the escalation point for their unresolved queries and complaints. Brief staff on promotional and product launches; provide regular feedback on sales performance. Establish relationships with key clients or business influencers in the local area, including doing some client entertainment within overall annual budget limits. Support product specialists and the direct sales team in marketing of group schemes and other corporate products to local businesses. Ensure compliance with operations risk and rigour requirements e.g. Health Safety standards, security of premises, KYC and anti-money laundering measures. Establish DBS Bank as a wealth management provider in India. Undertake frequent competitor analysis so that DBS product suite is in line with (or ahead of) competing banks. These updates to be shared with the Head CBG and Product teams at regular intervals. Also identify local promotional activities which will help reinforce the DBS brand. Keep attuned to the current economic and financial markets so as to be current and proficient in attending to customers queries. Work hand in hand with other business units to ensure that objectives of the team are met and there is team harmony and unity. Facilitate the distribution of third party investment products to customers, after taking into consideration the risk profile and investment objectives of the said customer. This will entail constant Requirements Overall 8-10 years of experience in sales 2-3 years in a leadership or team management role. 3-5 years of sales experience in retail banking and/or bancassurance Proven sales track record in the insurance/ financial services industry Sound Understanding of financial planning and wealth management products Knowledge of competitors and market place Preferably AMFI and or IRDA certified Core Competencies Excellent listening skills, with an inquisitive mind Strong ability to influence Self-drive and highly ambitious Good written and verbal communication skills Results-orientated the ability to handle pressure Relationship building management skills Understanding of competitive positioning Strong customer orientation Focused on the brand Creative Comfortable with tight deadlines Attention to detail Tenacious Technical Competencies Sound understanding of CBG product suite and associated technology platforms and operational procedures Understanding of regulatory guidelines on banking policies issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements Anti-money Laundering Policies are critical. Knowledge of financial markets and products to assist in meaningful dialogue with clients Work Relationship Management of teams, visiting clients customers alongwith team for support. Close interaction with Branch managers to ensure consistent delivery of sales targets. Escalation to HR for poor performers rewards to high performers. Close interaction with product teams to ensure suitable training for the team. Establish strong relationship with third party providers other partners. Mandatory Training GCAP (Group Customer Acceptance Policy) BCAP (Business Customer Acceptance Policy) AML (Anti Money Laundering) and KYC Guidelines PIP (Personal Investment Policy) ORM (Operational Risk Management) Information Security Policy DBS India - Culture Behaviors Performance through Value Based Propositions Ensure customer focus by delighting customers reduce complaints Build pride and passion to protect, maintain and enhance DBS image and reputation Enhance knowledge base, build skill sets develop competencies Execute at speed while maintaining error free operations Maintain the highest standards of honesty and integrity

Design framework for management of business performance through scorecard for all sales and service roles Calculate and maintain Incentive structures for sales profiles. Generate regular dashboards for monitoring of business performance and productivity. End-to-end ownership of Regional Productivity dashboards. Appropriate approval tracking from various incentive governance committees. Key Accountabilities: Responsible for preparing Scorecard framework for Consumer bank sales personnel basis agreed and approved construct. Collate and track revenue across products and accurately plot revenue credit across profiles. Create performance dashboards for Primary producers and the supervisory channels. Ensure all scorecard parameter and tactical measures are implemented in the scorecard calculations Calculate and maintain incentive files for sales profiles across the consumer business. Design and implement Tactical campaigns including publishing of regular leaderboards, performance updates with final winners. Business dashboards on frontline performance and productivity. Regional productivity dashboards. Regular interaction and submission of Performance Reports to Regional Analytics / Product teams Focus on reporting and data management: quality, accessibility, architecture, and infrastructure. Provide analytics support for Wealth Management leadership (financials, customer acquisition, RM & HC productivity). Job Duties & responsibilities: Understand the data received from multiple sources (both internal and outside sources) Do a regular QC on data Plot accurately data for all performance measures Accurately calculate incentives and keep records of all approved deviations if any Generate Monthly / Weekly Business Dashboards Automation of existing reports. Periodically review all roles and add new roles to incentives as per business requirements. Computation of winners for Rewards and Recognition programs. Regularly Simulate for requirements of scorecard changes, contests, and sales recognition programs. Ensure Regional Submissions of RIGC are done in an accurate and timely manner. All Committee updates to be accurate, relevant and with appropriate feedback from all stakeholders and ensure it meets business requirements and aids participation. All recommendations to committee to be supported with relevant simulations. Appropriate target setting. Maintain and track SaIes Incentive / Revenue ratio. Ensuring pay-outs are within budgeted levels. Winners/ losers management and acceptance basis prev. yr. performance. Multiple iterations done to arrive at optimum KPI and construct. Automate scorecards once they are approved. Education / Preferred Qualifications: Graduate / Postgraduate Core Competencies : Hands on experience in Data Management and Business Analytics. Proficient in MS Excel, SQL and Python. A positive, enthusiastic, committed and can do approach. Technical Experience and Competencies: Good Technical Skills Excel, SQL and power point

Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Banks operational processes and inspire to delight our business partners through our multiple banking delivery channels. Responsibilities Responsible for monitoring out Daily reconciliation of all accounts in a timely and accurate manner whilst identifying breaks. Ensure defined Regulatory reporting s are carried out in a timely and accurate manner. Sound understanding of local laws and regulation applicable to the reporting entity. Highlighting risks if any which are identified as a part of performing reconciliations and necessary regulatory reporting s. Resolution of the gaps identified by carrying out a root cause analysis & ensuring a permanent fix is put in place. Carry out an impact assessment and ensure items which can have an impact by way of introduction of a New Product launch are highlighted. Identifying areas wherein manual efforts are being carried out and work towards automation of the same. Guide and help Operations units and branches by resolving their queries pertain to processes and accounts. Works in a very agile environment Excellent problem solving and analytical skills. Has delivered test maturity assessments, providing and successfully implementing an improvement plan. Monthly GLAO substantiation based on the Source available and highlighting the breaks to respective unit heads, if any in line with the defined policies of the bank. Tracking the Input files for recon delay and defect to raise with tech team for resolution UAT D360 graphs to be deployed in PROD, if any. Maker is responsible for signing off on the UAT and participating in Deployment, SIT, LV and ensuring the Graph deployment is done. Collate the analysis of Transaction volume of all recons in defined format - Calculate the Auto match rate and manual match rate - build the logic for manual match items for automation. Requirements Bachelors degree in Accounting, Finance or relevant field 3-5 years of relevant experience in reconciliation or operations role in a banking environment Strong analytical and problem-solving skills with keen attention to detail Proficiency in Microsoft Office applications and reconciliation/investment systems Ability to work independently and as part of a team Strong communication skills and ability to liaise with internal and external stakeholders Core Competencies Strong planning, organizational and analytical skills Attention to detail and accuracy Effective problem-solving skills Computer literate, with a good understanding of Microsoft Excel & Power point. Able to work independently with strong teamwork values Good inter-personal and communication skills Work Relationship Collaboration with all units of the bank and working in a cohesive manner DBS India - Culture & Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: Demonstrate Business Performance through PRIDE Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity

Business Function Group Technology and Operations (TO) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality control, technology, people capability and innovation. In Group TO, we manage the majority of the Banks operational processes and inspire to delight our business partners through our multiple banking delivery channels Roles Responsibilities Ensure technical assurance in significant projects, for the delivery of quality technical deliverables Well versed with ITIL Concepts - Incident, Problem, change and Release Management Knowledge management Perform and manage incident and event tickets, determine priority, and resolution from Level 1 escalation within defined SLA in compliance to Client s incident management process Escalate incident and event tickets to Level2 teams within defined SLA in compliance to client s incident management process Perform in-depth production incident troubleshooting, resolve any production incident and monitor the fixes to ensure correct resolution Provide trend analysis and root cause analysis on recurring incidents and defects Review and plan continuous improvements to ensure smooth running of the applications Perform Service Requests (e.g. data patching, extraction of data or report, answer usage queries, etc.) Build and update knowledge base from incident and problem tickets Must comply with client s standards such as the System Development Life Cycle (SDLC), IT security policies, best practices, procedures guidelines Requirements Minimum 6+ years proven working experience Must have good understanding of ETL /Big Data Platform Hand on experience on Spark, Hive, Pyspark, Python, Hadoop/Cloudera Any Cloud Storage platform Data management/processing/governance tools experience Awareness of Agile Frameworks and JIRA Familiar with prod support role and should be ready to work in 24/7 support with rotational shifts Master s or bachelors degree in computer science or a related field

To deliver exceptional volume and revenue performance by acquiring and engaging with DBS Treasures Private HNI clients having a total relationship value of 6cr INR & above. This role requires an experienced professional with a strong background in wealth management, exceptional leadership capabilities, and a proven track record in business development Jo b Duties & responsibilities Establish, manage, and grow the TRV of Treasures Private Client segment by acquiring and nurturing the clients having AUM => INR 6cr Acquiring new set of promoters in small, mid, and large corporate segments / Family office/HNI to improve the overall AUM A significant part of the role will be to identify and secure new clients to increase AUM. This can also be achieved by bringing an existing book of clients over to transfer the AUM. All the functions of this role must be carried out in such a way that adheres to all compliance and regulatory requirements Ensure complete knowledge of all products & services through continuous skill and knowledge improvement Provide feedback on market, competition, and products, suggest innovations & ideas for continuous product and service improvements Use financial acumen and investment expertise to review a clients information, work closely with the Research and Advisory team to provide superior investment solutions thereby helping the client reach short-term and long-term investment goals, and seamlessly align service delivery for an enhanced customer experience Requirements: Minimum 10 years of experience in HNI Sales / Wealth Management / Private Banking segment and handling an investment book of min 200cr INR The ideal candidate will have previous Private Banking experience, should have existing relationship with key corporates, family offices, and distributors and bring along with a transferable book of discretionary managed investments MBA / CA or equivalent from a premium institute Sound understanding of financial planning and wealth management products in India In-depth knowledge of local market and competition Core Competencies Effective probing and listening skills Strong Relationship Management and influencing skills Self-driven and ambitious Good written and verbal communication skills Results-oriented, analytical and ability to deliver results under pressure Understanding of competitive positioning Strong service orientation, customer-centric behavior DBS India - Culture & Behavior Performance through Value Based Propositions Ensure customer focus by delighting customers & reduce complaints Build pride and passion to protect, maintain and enhance DBS image and reputation Enhance knowledge base, build skill sets & develop competencies Execute at speed while maintaining error free operations

Design, develop, and execute scripts which validate, to a high degree of confidence, test cases defined within the project s test plan Coordinates and execute upon the creation of test cases, scripts, and performance test execution Perform load, stress, soak, spike performance testing to validate production readiness of software applications and infrastructure for stability and performance E2E Provides Performance testing software systems support for respective business unit. Perform automated load/performance testing focusing on overall application performance - validating that application response and outputs accurately reflect business requirements Identify Performance environment and acceptance criteria, test environment configuration, and participate in test planning, design, and execution Define requirements and identify appropriate performance testing strategies and approach Diagnose and resolve performance issues and work on performance fine-tuning Work with collaborative project management tools, load generators and other tools for performance monitoring Experience in identifying memory leakage, connection issues & Bottleneck problems in various technologies such as web application(s), infrastructure, and PCF Cloud applications Proactive approach to spotting problems, areas for improvement, and performance bottlenecks Provides emergency response either by being on-call or by reacting to symptoms according to monitoring and escalation when needed Requirements 4-9 years of performance testing and engineering experience (including implementing performance testing from scratch to E2E) Mandatory hands-on experience in Load Runner, JMeter load Testing tools Experience with LoadRunner and Performance centre tools to design and execute load and performance tests against web application, webservices and DB and API testing Monitoring and Metrics in AppDynamics, Prometheus, Grafana, Kibana, Dynatrace Hands on experience in creating AppDynamics/Kibana dashboards Good experience with performance testing types: Load testing, Stress testing, Scalability testing, Spike testing, Volume testing, Endurance testing on Web based /Cloud Native PCF platform application Good programming skills on any of the following program languages: Java/C/Python Knowledge of Memory/DB profiling tools using industry standard tools Knowledge and experience with SQL and relational databases, authentication scenarios Linux and shell scripting skills -en

Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose To acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank. Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank. Key Accountabilities Source New to Bank Asset relationships within IBG - SME Segment ie. Companies ranging from a Turnover of INR 200 crores to 600 crores, aligned to Bank Lending Policy Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc. Play an instrumental role in increasing the Profitability of the business Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL. Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio. Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events. To comply with the Bank s process & policies and ensure positive ratings during all Country / Group audits Job Duties & responsibilities Source New to Bank Asset relationships within IBG 4 Segment ie. Companies ranging from a Turnover of INR 25 crores to 600 crores, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team. Cross Sell of Liability, Trade, Cash and Treasury Product actively. To achieve the individual Budgeted revenues through all product parameters Conduct Proper Due diligence while on-boarding New Asset Relationships. On board clients with a clear account plan highlighting the revenue potential, risks and mitigants. Adherence to strict KYC/AML requirements. MIS to be provided to the central team for further reporting, within the stipulated guidelines. Timely Completion of Learning Programs as assigned by DBS for time to time To comply with the Bank s process & policies. To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA s, Influencer s and Industry association to be updated on the current market practice and local intelligence. To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval. Required Experience Overall 7- 10 years of experience in sales. 6-8 years of sales experience in SME/Business Banking Lending. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and market place Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred. Education / Preferred Qualifications Overall 7-10 years of experience in sales. 6-8 years of sales experience in SME/Business Banking Lending. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and market place Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred. Core Competencies Excellent Communication & Listening Skills, Good Sales & Negotiation Skills. Technical Competencies Working Capital Finance Knowledge Work Relationship Manager /Direct Report DBS India - Culture & Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions across 600 branches across the country. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits (incl. structured solutions for NRI), investments, insurance, mortgages, credit cards and personal loans to help our customers realise their dreams and aspirations at every life stage. Job Purpose To deliver exceptional volume and revenue performance by acquiring and engaging with DBS Treasures clients having an AUM => INR 20 Million through need-based approach” and ensure client coverage and product penetration through cross-sell and up-sell of DBS products and services. To manage & maintain the highest customer satisfaction and service levels through pro-active client engagement & relationship management, coordinating internally with DBS Service and Distribution and Product team Key Accountabilities Acquire and upgrade quality Treasures clients in the branch location areas Engage with existing customers to deepen the wallet share through retention and growth of AUM. Accountable for achieving monthly & annual volume and revenue objective, as agreed. Ensure activation of e-Channels (I-Banking / M-Banking/ Online MF/Debit Card) and Savings Book growth Ensure proper implementation & execution of product strategies through effective relationship management. Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions Ensure optimum product mix and new- to- product clients aimed at customer level profitability and enhancing client coverage. Drive and deliver exemplary customer service in the local market and uphold DBS service standards. Ensure internal and regulatory compliance through strict adherence to DBS sales process, timely risk reviews and exercising due diligence while on-boarding. Ensure exemplary service delivery of these clients by building appropriate workflows and processes incl. doorstep banking etc. Job Duties & responsibilities Establish, manage and grow the AUM of the elite Treasures Client segment by acquiring and nurturing the client having AUM => INR 10 M Ensure timely portfolio review by jointly engaging with Wealth / Investment / Insurance specialist with clients. Ensure complete knowledge of all products & services through continuous skill and knowledge improvement. Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy. Provide feedback on market, competition and products, suggest innovations & ideas for continuous product and service improvements. Keep attuned to the current economic and financial markets to be current and proficient to ensure effective engagement with the elite segment of Treasures customers. Coordinate and work closely with CBG Relationship Manager peer groups and colleagues, Service teams, Product specialist at branches to ensure that team objectives are met through an environment that nurtures harmony and collaboration through team work Work closely with the Line Manager and City / Cluster Head to ensure achievement of common team and Branch objectives. Ensure internal and regulatory compliance and address operational risks if any, e.g. Health & Safety standards, security of premises, AML / KYC and ongoing risk reviews. To exercise appropriate due diligence while on-boarding and engaging with clients. Establish DBS as a primary banker for clients and as a prominent wealth management provider in India. Organize exclusive lifestyle, sports , music and such other elite engagement events and activities for prospect generation , entrench existing relationship and reinforce the DBS brand in the Private Wealth management space Requirements Minimum 10 years of experience in HNI Sales / Wealth Management / Private Banking segment. Sound understanding of financial planning and wealth management products in India In-depth knowledge of local market and competition. AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage Education / Preferred Qualifications Graduate / Post Graduate with MBA in relevant field Core Competencies Effective probing and listening skills. Strong Relationship Management and influencing skills Self-driven and ambitious. Good written and verbal communication skills Results-orientated & the ability to deliver results under pressure Understanding of competitive positioning Strong service orientation, customer-centric behavior. Focused on developing image and good will of the brand Creative, inquisitive mind with problem solving abilities. Ability to deliver results within tight timelines. Attention to details, analyzing abilities. Technical Competencies Understanding of HNI Sales/ wealth management product suite, platforms and operational procedures Understanding of banking and para-banking guidelines issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies. Knowledge of financial markets and products to assist in meaningful engagement with clients. Work Relationship Management of clients and prospects for acquisition and deepening of wallet share. Close interaction with Treasures Elite Team Leader, City / Cluster Head, Branch Service and Operations team to ensure consistent delivery of volume and revenue targets. Close and regular interaction with Branch Product specialists for effective skill / knowledge development of self and explore potential in existing book through joint engagement with clients. Mandatory Training GCAP (Group Customer Acceptance Policy) BCAP (Business Customer Acceptance Policy) AML (Anti Money Laundering) and KYC Guidelines PIP (Personal Investment Policy) ORM (Operational Risk Management) Information Security Policy DBS India - Culture & Behaviors Performance through Value Based Propositions Ensure customer focus by delighting customers & reduce complaints Build pride and passion to protect, maintain and enhance DBS image and reputation Enhance knowledge base, build skill sets & develop competencies Execute at speed while maintaining error free operations Maintain the highest standards of honesty and integrity.

Group Technology & Operations enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality and control, technology, people, capability and innovation. In Group T&O, we manage the majority of the banks operational processes and inspire to delight our business partners through our multiple banking delivery Channels. Key Accountabilities: Lead and oversee the team in operational risks with robust controls to ensure compliance and business continuity. Manage and support risk associated with Cyber Security and manage regulatory correspondence. Will be responsible for developing and reviewing the ongoing BAU processes related to Controls and Quality Assurance and be responsible for building and/or leveraging on tools to ensure preparedness for both internal and external audits To partner with T&O Risk Management, Legal & Compliance, Financial Crime & Security Services and other units of Consumer Banking Operations to ensure alignment with KYC, AML, FCSS, Regulatory and Risk Policy framework Work with other units in Consumer Banking Operations to promote risk awareness, perform necessary checks and reporting in line with Group s policies, standards and guidelines To support any new risk management and regulatory initiatives that might be introduced from time to time. Identify and escalate emerging and upstream operational risk, including risk event management, report and action plan tracking to internal stakeholders. Mitigate operational risk to acceptable level (ie Risk appetite) and recommend follow-up action or facilitate risk acceptance. To comply with the Bank s process & policies and ensure positive ratings during all Country / Group audits. Requirements: Graduate Excellent Communication

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Acquire clients through e-boarding of the provided leads and nurture the relationship for AUM build up in a steady manner. Establish the Virtual Relationship Channel as a major revenue contributor through effective engagement with clients via multiple communication channels Ensure right balance of the product mix and balance NTB (New to Bank NR customers) with increased penetration of existing customers to deepen the wallet share. Drive and deliver a radical improvement in customer satisfaction scores through timely engagement and redressal of client enquiries. Ensure highest levels of customer satisfaction. Interact with new customers to detail explain all features functions of products assist in on boarding of new clients. Empower DBS IN clients embrace the value delivery channels to improve transaction efficiency and effectiveness Requirements: Minimum of 3-4 years of experience in a 24x7 contact center environment OR in a Back-Office Processing OR Banking OR Financial Services Industry Should be willing to work in rotational shifts and experienced in moving between multiple screens and systems while entering the data Experience in handling difficult customer chats/conversations, while simultaneously entering data on different screens Education / Preferred Qualifications Minimum qualification of a Graduate. Professional Certification/ Courses in financial services / e-commerce would be an added advantage Work Relationship Direct reporting to Team Lead- Virtual Banking Work with peers within team, Centre and from other support and Business Units Management of clients and prospects for acquisition, handle query or complaint resolution and entrench client relationship. Close interaction with Regional / Cluster teams and Operations to ensure consistent delivery of service standards Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Risk Management Group works closely with our business partners to manage the bank s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure Job Purpose Develop and implement strategies to manage relationships with clients whose accounts are classified as NPLs. Work closely with NPL clients to understand their financial situation, negotiate restructuring or settlement options, and minimize the overall loss to the Bank Coordinate and facilitate audits and inspections for NPL accounts, including those conducted by statutory auditors, internal auditors, and the RBI. Ensure compliance with regulatory requirements and internal policies during audits. Prepare regulatory and internal MIS submissions related to NPL accounts, ensuring accuracy and timeliness of submissions for external and internal stakeholders Key Accountabilities Client monitoring: Regularly monitor borrower accounts, track developments, and update relevant stakeholders on the status of each account, ensuring proactive issue resolution and minimization of risk. Legal recovery process: Initiate and manage legal actions in accordance with recovery laws, including filing cases under applicable laws to recover dues. Coordinate with external law firms to represent Bank in various Courts and Tribunals, ensuring timely and effective legal proceedings. Resolution of NPL cases : Managing resolution for NPL cases by appraising and evaluating resolution proposals, and ensuring all related documents are thoroughly scrutinized. Seek approval from competent authorities for the resolution, ensuring full compliance with organizational guidelines and regulatory requirements. Internal & External Reporting: Collaborate with internal teams and the Head Office to prepare and maintain accurate SAM MIS for reporting purposes. Ensure timely, accurate, and comprehensive internal and external reporting Requirements Regulatory and Compliance reporting: Ensure adherence to internal and regulatory risk management guidelines, maintaining compliance with all relevant laws and policies. Take ownership of all reporting requirements, both internal and external, ensuring timely and accurate submissions. Recovery & Portfolio Monitoring: Develop and implement tailored recovery plans for accounts within the portfolio, focusing on minimizing loss and maximizing recovery. Timely Reviews with Accuracy: Ensure that account reviews are completed on schedule, meeting all deadlines and maintaining accuracy and thoroughness. Client Interaction & Follow-up: Maintain regular communication with clients to request necessary information and clarify issues related to their accounts. Required Experience 6 to 8 years of experience in Banking (preferably Stressed Assets management department) / Assets Reconstruction Company. Education / Preferred Qualifications Professional qualification or post graduate degree, preferably in business, accountancy, finance etc. Core Competencies Strong analytical & evaluation skills Excellent interpersonal & communications skills Problem solving and organisational skills Good knowledge of industries/sectors. Strong presentation skills Technical Competencies Sound knowledge of legal processes and recovery mechanisms applicable to resolving NPL cases. Strong understanding of credit related regulatory guidelines issued by RBI, Monetary Authority of Singapore and local laws and regulations that impact businesses in general. Knowledge of local laws and regulations related to recovery processes and resolutions

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions across 600 branches across the country. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits (incl. structured solutions for NRI), investments, insurance, mortgages, credit cards and personal loans to help our customers realise their dreams and aspirations at every life stage. Job Purpose To deliver exceptional volume and revenue performance by acquiring and engaging with DBS Treasures clients having a total relationship value => INR 30 lakhs through need-based approachrdquor; and ensure client coverage and product penetration through cross-sell and up-sell of DBS products and services. Key Accountabilities Acquire and upgrade quality Treasures clients in the branch location areas Engage with existing customers to deepen the wallet share through retention and growth of of Total Relationship Value (TRV). Accountable for achieving annual volume and revenue objective. Ensure Savings Book and loan book growth Ensure proper implementation execution of product strategies through effective relationship management. Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions Drive and deliver exemplary customer service in the local market and uphold DBS service standards. Ensure internal and regulatory compliance through strict adherence to DBS processes. Job Duties Establish, manage and grow the TRV of the elite Treasures Client segment by acquiring and nurturing the clients having AUM => INR 10 M Ensure timely portfolio review by jointly engaging with Wealth / Investment / Insurance specialist with clients. Ensure complete knowledge of all products services through continuous skill and knowledge improvement. Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy. Provide feedback on market, competition and products, suggest innovations ideas for continuous product and service improvements. Ensure internal and regulatory compliance and address operational risks if any. Requirements 6-12 years of experience in HNI Sales / Wealth Management / Private Banking segment. Sound understanding of financial planning and wealth management products in India In-depth knowledge of local market and competition. AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage Education / Preferred Qualification Graduate / Post Graduate with MBA in relevant field Core Competencies Effective probing and listening skills. Strong Relationship Management and influencing skills Self-driven and ambitious. Good written and verbal communication skills Results-oriented, analytical and ability to deliver results under pressure Understanding of competitive positioning Strong service orientation, customer-centric behaviour. Technical Competencies Understanding of HNI Sales/ wealth management product suite, platforms and operational procedures Understanding of banking and para-banking guidelines issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements Anti-money Laundering Policies. Knowledge of financial markets and products to assist in meaningful engagement with clients. Work Relationship Management of clients and prospects for acquisition and deepening of wallet share. Close interaction with Treasures Elite Team Leader, City / Cluster Head, Branch Service and Operations team to ensure consistent delivery of volume and revenue targets. Close and regular interaction with Branch Product specialists for effective skill / knowledge development of self and explore potential in existing book through joint engagement with clients. Mandatory Training GCAP (Group Customer Acceptance Policy) BCAP (Business Customer Acceptance Policy) AML (Anti Money Laundering) and KYC Guidelines PIP (Personal Investment Policy) ORM (Operational Risk Management) Information Security Policy DBS India - Culture Behaviors Performance through Value Based Propositions Ensure customer focus by delighting customers reduce complaints Build pride and passion to protect, maintain and enhance DBS image and reputation Enhance knowledge base, build skill sets develop competencies Execute at speed while maintaining error free operations Maintain the highest standards of honesty and integrity

Business Function Group Finance plays an essential role in the day-to-day management of the Group and is a critical component of the end-to-end control environment. Group Finance is accountable for the accuracy, integrity and timeliness of the Group s books and records, and in ensuring that external reports and filings comply with applicable accounting principles and relevant regulatory requirements. Group Finance acts as a steward on behalf of shareholders through the promotion of appropriate accounting practices, strong balance sheet and capital management principles, and the disciplined management of acquisitions and divestments.In addition, Group Finance facilitates the development and execution of business strategies through business management and planning and analysis, which support management s decision-making process. Roles & Responsibilities Responsible for monthly MIS, providing financial insights and variance analysis. Collaborating with cross functional team to prepare annual budgets. Responsible for monitoring for budgets, actuals against budgets and forecasts Financial analysis, providing insights to the management for effective decision making Building forecast with multiple simulation of factors that affect cost base. Analyse cost drivers, evaluate and suggest cost saving opportunities. Supports the Finance and FP&A team in creating Profit and Loss (P&L) statements, MIS reports, and other financial documentation. Analyze and monitor financial data, including revenue, spending, Headcount movement and expenses. Assist in the preparation of annual budgets, forecasts, and long-term financial plans (Opex & Capex). Collaborate with cross-functional teams to gather relevant data for financial analysis, financial performance, and operational efficiency. Support the monthly financial reporting process, including variance analysis and management reporting. Run through the Business leaders on business performance, articulate the reasons for variance. Build multiple scenarios of cost base and impact on cost/fte with changes in various key assumptions. Prepare ad-hoc financial analyses and reports to aid decision-making. Review the Chart of Accounts (COA) and prepare monthly schedules that align with financial statements. Responsible for supporting the continuous improvement agenda. Contributes to a learning environment, supports the team growth and development, and enhances learning methodologies and technical tools where applicable. Provides decision support to various key collaborators (BU s, project teams, functions) Analyse complex ideas or proposals and build a range of meaningful recommendations. Requirements 10-15 years post qualification experience in Financial Planning and Analysis, general accounting, Financial Analytics Qualified CA / CMA Working knowledge of Hyperion/HFM is requirement. Should have extensive working knowledge in managing complex MS Excel sheets and expert knowledge on MS Powerpoint.

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose To originate NTB s, manage & grow NTB/ETB Liability relationships for Institutional Liabilities Business -IBG 3 (Mid to Large sized Companies) Key Accountabilities & Responsibilities Drive Liabilities Sales through NTB (New to Bank) acquisition of Liability clients for operating accounts, term deposits and other transaction banking products in line with the targets set out which would be 2-3accounts per month with an AQB of INR 2 cr per acc Driver Origination of clients in Cash rich segments of companies, especially MNC s, GCC, IT/ITES, , KPO/BPO Cost+ Centres , Education, Shipping & Logistics, Data Centres, Pharma (R&D), Reinsurance Brokers, EXIM Companies & companies in the Ecommerce and Digital space, including mature Start-ups, Fin Tech s (PACB, PA PG s,) Originating NTB s through Custody offerings, AIF s Category: I/II/III, FPI, FVCI & FDI-DEMAT accounts etc. Leverage relationships with Intermediaries in Market, like Law Firms, CA/CS firms, Consultancy firms, to source deals in the M&A and PE/VC space, both annuity as well as Episodic in nature. Leveraging relationship with DBS Regional teams to improve & increase flow of cross Referrals leads to capitalize on the International Corridors network of DBS. Sourcing Episodic Deals via Intermediaries Channel through various FEMA & Escrow Solutioning. Support Regional Sales Heads in implementing liabilities strategy and meeting revenue budgets from Origination. Support Regional Sales Heads in identifying and focusing on appropriate market segments. This includes analysis of key requirements for different identified market segments (through client discussions) and positioning DBS Bank offering to meet client requirements. To support commercialisation of various product rollouts which cater to the needs of the identified client segment. Requirements Good understanding of the Sales process through preferably prior sales experience of 5-6 years Prior experience in managing and acquiring Liabilities for Mid-Large Companies, Cash Management, New age payment and collections methods and transaction banking selling experience is desirable, along with experience in FX and Risk management solutions like Hedging. Market knowledge and experience in the Mid-market/ MNC relationship, with reference to appropriate Target Market for the Liability Segment would be preferable. Strong network with Intermediaries in Market, like Law Firms, CA/CS firms, Consultancy firms, to source deals in the M&A and PE/VC space Prior Experience in managing Capital account transactions Education / Preferred Qualifications Preferably Postgraduate. (Desirable CA and/or MBA -Marketing Finance). Core Competencies Good understanding of the sales process. Ability to open conversations with CXO s/CFO s/CEO s Sound knowledge of Cash management, FX and Trade, which are the key revenue drivers. Good technical knowledge of transaction banking business. Abreast of regulatory environment especially for FDI, ODI, Funds, FPI, AIF s etc Good team worker and ability to work with internal product partners like GTS, T&M. Good customer and relationship management skills. Good interpersonal and communications skills. Good problem solving, planning & organising skills. Planning, scheduling and monitoring deliverables, within a stipulated time frame using effective methods Technical Competencies Basic understanding of transaction banking products and associated technology platforms and operational procedures Understanding of regulatory guidelines on banking issued by MAS and by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements are critical. Knowledge of financial markets and products to assist in meaningful dialogue with clients. Work Relationship Acquisition of Commercial liabilities Business Managing of commercial Liabilities Portfolio DBS India - Culture & Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity. Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose Differentiated Customer Experiences Leading through Service Job Duties & responsibilities Ensure each client escalation is owned and closed within 24 hours. In case of exceeding 24 hours TAT, client is informed on a periodic basis by yourself on delay and resolution date. Adhering to the Service Management Principles: Increase client interactions and ensure that they are handled as per the RED Service standards Mandatory 100% coverage and contact-ability of all clients under various service led campaigns in CRM 100% mandatory coverage of all qualified Treasures every quarter Ensure 100% implementation of CBG Client Contact Management Policy Ensure 20 Unique clients are covered every month under CCM, and details updated in CRM or as per applicable target. Requirements Minimum 4-5 years of front line client experience with a leading bank or financial institution. Education / Preferred Qualifications Graduate/Postgraduate Core Competencies Take ownership and be accountable for all customer issues: updating CRM, end to end customer complaint journey management; first time resolution, doing things right the first time- Embed the service culture for all customer touchpoints particularly complaint resolution and client communication Support the sales team to acquire 60% of the customers digitally IWealth, Pweb, etc. Ensure risk and governance factors of the branch are always monitored and addressed. Potential breaches must be highlighted immediately Increase customer satisfaction scores - Minimum CSS and Problem Resolution scores of 4.1 for the Cluster, brand awareness and customer preference indicators Support the CSOs (Client Service Officers) on daily BAU as per requirement Co-ordinate with support functions for ad-hoc banking related requirement received from clients Customer service lobby management (client walk-ins) for mapped branches Maintain and grow relationships with each Treasure client by ensuring and establishing individual connect outside of CCM Account Opening and static data STP to be maintained at >80% or as per targets decided by Senior Management. Resolution of 95% of branch requests and enquiry within stipulated TATs Ensure resolution of 100% complaints within 1 day Technical Competencies Should have knowledge on banking terminologies, branch banking processes, digital banking, UPI Preferred to have working experience on CRM applications Should be well versed with MS -Office applications like WORD, EXCEL, POWER POINT Work Relationship Complete all pending risk reviews, CRM, AML, Re-KYC, EWSS & Surveillance alerts and ensuring no alerts remain over-due. Ensure on time calling for all I-Wealth leads Ensure TRE and Global Indian clients are given priority processing and attention Ensure timely closure of Deferrals taken within the stipulated timelines Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements. -en

To support Relationship Management teams in the following activities, Preparation and submission of Credit Memos to CCG Completion of documentation formalities in coordination with the client & CCU Assisting RM in completing client onboarding/KYC reviews, Legal & Valuation reports Follow up for regularization of overdues Client servicing in coordination with internal units. Highlighting any early warning signs of the portfolio to the RMs Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products and help the team in detecting early warning signals in their portfolios. Key Accountabilities To prepare accurate credit proposals in a consistent, concise and lucid manner. To maintain close working relationship with Business Unit to ensure that IBG deliverables are met. Need-based meeting with customers to understand business and attendant risks. Cross sell of other products such as trade, cash, foreign exchange etc. To monitor portfolio for irregularities/ excesses/ breaches/ delays. Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA s. Also ensure assistance to external & internal audits. Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints. Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies. Monitor levels of complaints and quality of handling. Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Monitor and ensure adherence to risk service standards Job Duties & responsibilities Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS. Providing concise and relevant financial analysis by clearly identifying risks. Ensure reviews are completed prior to due date and are error free. Interact and follow up with clients on required information and clarifications. Adhere to the risk management guidelines of DBS, MAS and RBI. Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio. Control and manage the risk profile for the overall Team portfolio. Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets. Develop Account Relationship Plans for customers in portfolio. Required Experience Overall 4-5 years of experience in CAM writing. A few years of sales experience in cash management/trade finance would be added advantage Knowledge of competitors and market Market knowledge and experience in the IBG 1/2 segment, with reference to customer preferences and requirement would be preferable. Education / Preferred Qualifications An MBA or CA with relevant number of years of experience in Corporate Banking Core Competencies Good written and verbal communication skills Good Analytical skills. Self-driven and highly ambitious Results-orientated & the ability to handle pressure Relationship building & management skills Understanding of competitor products Comfortable with tight deadlines Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical. Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients Work Relationship Close interaction with RMs / Branch Manager to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets. Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer.

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Responsibilities: To evaluate and analyse various investment products Lead assessments of external fund managers, including on-site meetings with managers. Preparation of due diligence Reports which will include a review of all relevant areas including personnel, processes, systems, trade capture, valuation, counterparty risk, accounting and financial reporting, risk management, performance measurement etc Participate as an active member of the firm s Investment Committee. You will be required to present the merits and risks of investments brought to the Investment Committee by the Investment Team. Review and maintain up to date information, risk rating and other documentation in our internal databases Conduct periodic and ad hoc review of investment funds and benchmark performance of the funds against other funds in the same category You will be expected to maintain a thorough knowledge of industry standards and best practices relating to fund manager selection and fund performance evaluation. You will be responsible for making recommendations on how those could be integrated into our current processes. Requirements: Undergraduate or advanced degree such as MBA CPA, CFA, CAIA, or other relevant investment-related experience would be considered an asset You must have an understanding of both public and private market investments including fund design, performance attribution and tools for fund manager evaluation Good understanding of a wide range of financial instruments as well as a solid understanding of valuation methods

Corporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts time deposits, trade finance, working capital finance, term loans and foreign exchange, Through our continued commitment, DBS has cultivated long standing relationships with its customers in the region that are based on account relationship management, service differentiation product development and rigorous credit standards. Job Purpose To acquire and build a well-diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank. The Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank. Key Accountabilities Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc. Play an instrumental role in increasing the Profitability of the Branch. Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL. Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio. Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events. To comply with the Bank s process & policies and ensure positive ratings during all Country / Group audits Job Duties & responsibilities Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team. Cross Sell of Liability, Trade, Cash and Treasury Product actively. To achieve the individual Budgeted revenues through all product parameters Conduct Proper Due diligence while on-boarding New Asset Relationships. On board clients with a clear account plan highlighting the revenue potential, risks and mitigants. Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank. Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified. Thorough monitoring of accounts sourced and keep track on customer s business and report any early warning signals. Ensure Timely Renewals of Accounts. Ensure that the covenants and conditions prescribed by the credit team are consistently met. Adherence to strict KYC/AML requirements. MIS to be provided to the central team for further reporting, within the stipulated guidelines. Timely Completion of Learning Programs as assigned by DBS for time to time To comply with the Bank s process & policies. To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA s, Influencer s and Industry association to be updated on the current market practice and local intelligence. To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval. Requirements Overall 3- 5 years of experience in sales. 2 years of sales experience in SME/Business Banking Lending. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and marketplace Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred. Education / Preferred Qualifications Bachelors in finance / Economics/Commerce or MBA or CA Core Competencies Excellent Communication & Listening Skills, Good Sales & Negotiation Skills Technical Competencies Working Capital Finance Knowledge Work Relationship Manager / Direct Report

Business Function Corporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts time deposits, trade finance, working capital finance, term loans and foreign exchange, Through our continued commitment, DBS has cultivated long standing relationships with its customers in the region that are based on account relationship management, service differentiation product development and rigorous credit standards. Job Purpose To acquire and build a well-diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank. The Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank. Key Accountabilities Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy Ensure a good Net Interest Income as well as fee across the portfolio and ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc. Play an instrumental role in increasing the Profitability of the Branch. Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL. Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 Topline and Bottom-line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio. Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events. To comply with the Bank s process & policies and ensure positive ratings during all Country / Group audits Job Duties & responsibilities Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team. Cross Sell of Liability, Trade, Cash and Treasury Product actively. To achieve the individual Budgeted revenues through all product parameters Conduct Proper Due diligence while on-boarding New Asset Relationships. On board clients with a clear account plan highlighting the revenue potential, risks and mitigants. Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank. Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified. Thorough monitoring of accounts sourced and keep track on customer s business and report any early warning signals. Ensure Timely Renewals of Accounts. Ensure that the covenants and conditions prescribed by the credit team are consistently met. Adherence to strict KYC/AML requirements. MIS to be provided to the central team for further reporting, within the stipulated guidelines. Timely Completion of Learning Programs as assigned by DBS for time to time To comply with the Bank s process & policies. To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA s, Influencer s and Industry association to be updated on the current market practice and local intelligence. To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval. Requirements Overall 3- 5 years of experience in sales. 2 years of sales experience in SME/Business Banking Lending. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and marketplace Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred. Education / Preferred Qualifications Bachelors in finance / economics/commerce or MBA or CA Core Competencies Excellent Communication & Listening Skills, Good Sales & Negotiation Skills Technical Competencies Working Capital Finance Knowledge Work Relationship Manager / Direct Report DBS India - Culture & Behaviours DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviours are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity. Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

To lead origination of new to bank clients, x-sell and grow existing portfolio for Transaction Banking Solutions covering Trade Finance (Documentary Trade, Open Account Trade including Buyer & Supplier Finance) and Cash Management with focus on digital solutions catering to the PSU Segment. Key Accountabilities & responsibilities: Effectively manage & grow existing portfolio of customers Grow the Bank s market share by origination of and acquisition of new business Work closely with key internal stakeholders viz. Coverage RM s, GTS Product Teams, Implementation Team, Service, Operations, Legal & Compliance, etc. Also network with colleagues across the DBS overseas branches including HO to work on deepening existing regional clients along with identifying new such customers. Have a sound risk / credit mindset to proactively manage triggers in existing portfolio and be prudent in new client selection and also provide guidance on policies / procedures, regulatory compliance, and operations/system-related issues to strengthen risk management. Be cognizant of the Bank s internal compliance & risk guidelines and imbibe the same in day to day work life Have a solution-oriented mindset to build long lasting relationships with clients with sharp focus on new-age digital solutions Disciplined pipeline management and have entrepreneurial aptitude to take full ownership of portfolio Analyze, Maintain and Disseminate suitable MIS to drive the business metrics Engage with operations and sales to build and maintain an effective customer service model that differentiates DBS Identify system and process gaps and partner trade operations in closing these Post implementation review of new roll-outs, and initiate action where necessary. Job Duties & Responsibilities: Effectively manage & grow existing portfolio of customers Grow the Bank s market share by origination of and acquisition of new business Work closely with key internal stakeholders viz. Coverage RM s, GTS Product Teams, Implementation Team, Service, Operations, Legal & Compliance, etc. Also network with colleagues across the DBS overseas branches including HO to work on deepening existing regional clients along with identifying new such customers. Have a sound risk / credit mindset to proactively manage triggers in existing portfolio and be prudent in new client selection and also provide guidance on policies / procedures, regulatory compliance, and operations/system-related issues to strengthen risk management. Be cognizant of the Bank s internal compliance & risk guidelines and imbibe the same in day to day work life Have a solution-oriented mindset to build long lasting relationships with clients with sharp focus on new-age digital solutions Disciplined pipeline management and have entrepreneurial aptitude to take full ownership of portfolio Analyze, Maintain and Disseminate suitable MIS to drive the business metrics Engage with operations and sales to build and maintain an effective customer service model that differentiates DBS Identify system and process gaps and partner trade operations in closing these Post implementation review of new roll-outs, and initiate action where necessary Required Experience: Total work experience of 8-15 years post qualification, most of which should have been with a bank handling operations, risk or business control function. Education / Preferred Qualifications Preferably should be a CA or MBA. Core Competencies High level of thinking and execution capabilities ability to conceptualize and implement new ideas on the ground Strong communication and persuasive skills - communicate effectively (verbally and in writing/presentation) and influence stakeholders at all levels within the organization Teamwork high level of ability to work well with RM s and other internal teams and Group functions and business and support units to achieve full co-operation and synergies. Commercial orientation ability to identify business/revenue opportunity, plan and focus on achieving budgeted Trade targets in an organized and structured manner. Technical/Market knowledge Product knowledge and full understanding of GTS Solutions covering Trade Finance & Cash Management, capabilities, legal compliance and tax issues. Good understanding of front and back office processes and how these interface with clients needs. Knowledge of needs of customers, requirements and expectations and trends/drivers in the market place especially for client segments in North India covering Delhi NCR and other Tier 2 cities Well versed with the RBI regulations governing banks as regards Trade / Cash products and the general regulatory environment in India including but not limited to FEMA, UCP, URDG, etc. Technical Competencies As above. Additionally should possess sound knowledge of Local and international trade regulations, guidelines, best practices governing Trade Finance business Work Relationship Will need to work closely with Business unit RM s, T&O and other support units such as Credit, Legal & Compliance, Finance. DBS India - Culture & Behaviors Drive Performance Through Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Knowledge Base, Build Skill Sets & Develop Competencies Invest in Team Building & Motivation through Ideation & Innovation Execute at Speed While Maintaining Error Free Operations Develop a Passion for Performance to Grow Talent Pool Maintain the Highest Standards of Honesty and Integrity

Corporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts time deposits, trade finance, working capital finance, term loans and foreign exchange, Through our continued commitment, DBS has cultivated long standing relationships with its customers in the region that are based on account relationship management, service differentiation product development and rigorous credit standards. Job Purpose To acquire and build a well-diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank. The Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank. Key Accountabilities Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc. Play an instrumental role in increasing the Profitability of the Branch. Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL. Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio. Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events. To comply with the Bank s process & policies and ensure positive ratings during all Country / Group audits Job Duties & responsibilities Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team. Cross Sell of Liability, Trade, Cash and Treasury Product actively. To achieve the individual Budgeted revenues through all product parameters Conduct Proper Due diligence while on-boarding New Asset Relationships. On board clients with a clear account plan highlighting the revenue potential, risks and mitigants. Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank. Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client s business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified. Thorough monitoring of accounts sourced and keep track on customer s business and report any early warning signals. Ensure Timely Renewals of Accounts. Ensure that the covenants and conditions prescribed by the credit team are consistently met. Adherence to strict KYC/AML requirements. MIS to be provided to the central team for further reporting, within the stipulated guidelines. Timely Completion of Learning Programs as assigned by DBS for time to time To comply with the Bank s process & policies. To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA s, Influencer s and Industry association to be updated on the current market practice and local intelligence. To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval. Requirements Overall 3- 5 years of experience in sales. 2 years of sales experience in SME/Business Banking Lending. Proven sales track record in asset business in the SME/Business Banking segment. Knowledge of competitors and marketplace Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred. Education / Preferred Qualifications Bachelors in finance / Economics/Commerce or MBA or CA Core Competencies Excellent Communication & Listening Skills, Good Sales & Negotiation Skills Technical Competencies Working Capital Finance Knowledge Work Relationship Manager / Direct Report

Institutional Banking Group provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. The Relationship Manager will be responsible for selling these products and services to existing and new customers. Job Purpose To manage and sustain a portfolio of Corporate customers, building long term relationships founded on efficient and reliable support for their business. To work with product groups and other colleagues both in India and overseas to build our Local large corporate client base, and enhance wallet share from both new and existing customers. Risk assessment of facility clients in the form of continuous monitoring (writing memos, working through the approval process and working with RMG, Operations, product groups etc to ensure seamless delivery to the client). Key Accountabilities Relationship Manager responsible for a portfolio of corporate clients. Manage relationships through constant interaction & account mapping at varied levels in client organizations, while ensuring a risk-adjusted portfolio contribution Determine the products that are most effective in meeting customer s needs and be able to sell these both reactively and proactively. Customize, adapt & develop new products to increase profitability, reduce costs & ease operational bottlenecks. Implement & execute IBG1 business strategy to increase market share & to achieve targets consistent with IBG1 s revenue, ROE & Cost / Income ratio targets. Cross sell other products of the bank including cash, treasury, trade & others. Ensure the highest customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints. Ensure all regulatory reporting & compliances are enforced. Also ensure assistance to external & internal audits Develop the DBS brand in the region. Research different identified & appropriate market segments including analysis of key requirements for each segment. Build and develop a high performing team through embedding performance development and coaching. Create an empowering environment for the team, encouraging individual ownership and initiative. Ensure coaching and feedback in order to achieve their maximum potential. Make reward decisions within set guidelines. Job Duties & Responsibilities Primary contact at CEO, Finance Director, and Treasurer level in Corporates controlling offices, discussing inter alia customer needs, service reviews, and credit risk issues. Advises and debates how business finances could be structured in the short-term and medium/long term. Grow the team s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives. Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies. Formulate business development strategies and objectives to meet changing market needs. Develop prioritized target list & structured client calling plans in place and formulate client action plans. Monitor conformance of team using new relationship development procedures. Monitor results of customer surveys against target service quality standards. Monitor levels of complaints and quality of handling. Proactively researches competitive threats/opportunities within the team s market and geographical area. Ensure that quality proposals are submitted to the credit chain Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Keep customers advised on the expected delivery date for product/credit applications. Monitors and ensures adherence to risk service standards Develops and maintains a detailed knowledge of industry sectors within the customer portfolio. Control and manage the risk profile for the overall Team portfolio. Manages performance of the team against key financial (risk-adjusted contribution) sales, service and operational targets. Manage segmentation of the portfolio. Develop Customer Relationship Plans for customers in portfolio. Required Experience Overall 7-12 years of experience in corporate banking experience managing large corporates. Proven track record in the corporate & commercial banking Sound understanding of products Sound Understanding of credit proposals Knowledge of competitors and market place Education / Preferred Qualifications An MBA or CA with relevant number of years of experience in banking is preferable. Core Competencies Strong selling and negotiation skills Excellent diagnostic skills and rigorous approach to problem solving Excellent communication skills at all levels Excellent comprehension skills to understand and interpret industry data and economic trends Sound financial counseling skills Strong credit risk analysis skills Strong formal presentation skills to gain acceptance to solutions, both internally and externally Team creation and co-ordination skills to mobilize and manage product specialists Proven leadership experience in leading & managing sales. Ability to think creatively and identify innovative solutions. Technical Competencies Sound understanding corporate & commercial banking, products, credit proposals & approval processes, internal guidelines & policies. Understanding of regulatory guidelines on banking policies issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical. Knowledge of financial markets and products to assist in meaningful dialogue with clients Financial Analysis and research capabilities. Evaluation of credit risks involved in credit proposals.

Business Function: Audit helps the Board and Executive Management meet the strategic and operational objectives of the DBS Group. We conduct independent checks to ensure that the Group s risk and control processes are adequate and effective. All our team members are highly sought-after professionals who work as trusted advisors to our clients, in all matters related to a company s internal controls. Responsibilities: Conduct end-to-end audits of Credit Processes and Global Transactions Services (Trade, Cash & Securities and Fiduciary Services) risk, product and processes. Evaluate the design and operating effectiveness of processes and controls and develop appropriate tests to be conducted and ascertain the level of testing of controls required Effective execution audit fieldwork for assigned areas in depth testing, data analytics where applicable Escalate issues appropriately and timely. Ensure concise and clear audit findings and reports are presented on a timely basis. Keep abreast on the development of regulatory, industry and product development through continuous monitoring and auditing. Requirements: candicates must have at least 12+ years of relevant auditing experience in areas of Corporate Credit Processes and /or Trade (LC, BG, Imports, Exports etc) processes Strong knowledge on Credit and Trade Products is a must. Knowledge of cash management, payments and custodial services related operations, regulatory requirements and compliance practices (including FEMA and AML)is an added advantage. Reasonable knowledge in Corporate Banking application controls is required. Candidate that can demonstrate auditing knowledge in Corporate banking context will be an added advantage. Should be IT savvy - Knowledge of APIs and data analytics, experience of risk-based auditing and clearly understand the relationship between IT risk and underlying business risk would be beneficial. KYC/AML Working knowledge of core banking (e.g. Finacle), SWIFT and Digital payment systems will be preferred. Qualification: CA/full time MBA, Finance from an accredited college or university Professional/industry recognized qualifications e.g. ACAMS, CDCS, CFE are highly beneficial. Other Skills (Mandatory): Candidate must have excellent written and verbal communication skills in English, can communicate with clarity, both orally and in writing, in a logical order and with a structured approach. Ability to multi-task assignments, prioritize workload with limited supervision and be resilient under pressure when faced with tight deadlines. Apply Now: We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements. -en