Job Description

Senior Associate, Product Manager, Small Medium Enterprises.-(WD80980)

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

The position exists as there is now complete market opportunity that is emerging around Ecosystem/B2S Lending which requires dedicated Product support from Policy/Process/Monitoring and journey standpoint.

Key Accountabilities

  • Responsible for overall product management & managing Credit program/policies of SME lending, Alternate Lending programs (Ecosystem led partnerships) & Big-to-small, related programs (SCF, Anchor led)
  • Design & manage SOPs on E2E lending journey with adequate risk controls
  • Overall portfolio management of the Credit programs including monitoring of triggers & caps
  • Management of adherence of Digital lending guidelines & ensuring applicable program compliance
  • Support in digital implementation of the lending journeys

    • Job Duties & responsibilities

  • Responsible for devising new credit programs / existing program amendments.
  • Creation of E2E SOP for Alternate lending programs for various used cases i.e. Ecosystem / Co-lending/ B2S
  • Creation of credit programs foe SME lending and commercialisation of the same
  • Work closely with Ecosystem team and other relevant stakeholders to ensure timely go-live of lending programs under the partnerships.
  • Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships
  • Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene it
  • Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies
  • Provide portfolio insights partner-wise
  • Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governance
  • Collaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedback)
  • Support the coverage team for successful commercialization of partnerships for scale up of asset customers
  • Devise customized training programs for the front line for effective sales & marketing Alternate Lending programs.
  • Build feedback loop with partner/coverage team for improvement.

    • Requirements 

  • The candidate should have 6-8 years’ minimum overall relevant experience.
  • Experience in Product Management, lending spl trade finance and digital is preferred.
  • MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 institute
  • The candidate should be proficient in MS-Word, PPT and Excel

    • Core Competencies

    The job holder needs to possess the following skills:

  • Job Knowledge: The job holder should be fast learner in the job
  • Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines.
  • Proactive: To understand the system implementations and grasp the changes faster.
  • Communication Skills: The job holder needs to have effective verbal as well as written communication skills.
  • Interpersonal Skills: The job holder needs to liaise with various stake holders (internal and external)

    • Work Relationship

    To work with:

  • Internal: IBG 4 Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG-Tech
  • External: Ecosystem partners

    • DBS India - Culture & Behaviors

    Should be able to demonstrate high degree of PRIDE values – spl Purposeful, Innovative and Decisive

    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.

    Primary Location

    :India-Delhi-New Delhi

    Job

    :Product Management

    Schedule

    :Regular

    Employee Status

    :Full-time:

    Job Posting

    :Jan 27, 2026, 10:30:00 AM

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