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DBS · Mumbai

# Senior Associate, Specialist, Credit Approval, Risk Management Group

Mumbai Senior individual contributor Finance & Accounting 

Listed on DBS’s official careers site. Listed as of October 18, 2026. Check that it is still open and apply there.
[Apply on DBS’s careers site →](https://dbs.wd3.myworkdayjobs.com/DBS_Careers/job/Mumbai/Senior-Associate--Specialist--Credit-Approval--Risk-Management-Group_WD81811)

[OpenNash Jobs](https://jobs.opennash.com/) / [DBS](https://jobs.opennash.com/companies/dbs/) / Senior Associate, Specialist, Credit Approval, Risk Management Group

## Job description

### Job Purpose
- To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
- To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
- To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
- Approve judiciously as and when DOA is granted Key Accountabilities:
- To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
- To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

### Job Duties and Responsibilities
- Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.
- Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
- Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
- Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
- Ensure compliance with the benchmark Turnaround Time Experience (Indicate nature and extent of work experience including number of years required, if applicable.) - 6 to 17 years of experience in Banking (preferably SME or credit department) / Credit Rating.

### Education

Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.

### Core Competencies
- Good analytical skills
- Good presentation skills
- Good interpersonal skills
- Good knowledge of industries/sectors

### Technical Competencies
- Sound knowledge of financial statement analysis and accounting policies/practices.
- Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
- Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
- Knowledge of corporate banking products
- Knowledge of SME market and preferably should have had approval authority in his previous assignments.

### Location

Mumbai Job: Risk Management Schedule: Regular Employee Status: Full time

## At a glance
- Posted by the employer: Not stated
- First seen by OpenNash: Jul 16, 2026
- Last checked: Oct 18, 2026
- Listed for: 94 days
- Location: Mumbai[Apply on DBS’s careers site →](https://dbs.wd3.myworkdayjobs.com/DBS_Careers/job/Mumbai/Senior-Associate--Specialist--Credit-Approval--Risk-Management-Group_WD81811)

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