Key Responsibilities Cluster Business Ownership Deliver new-to-bank current-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee-income targets for the cluster. Build and execute a catchment-led acquisition strategy for high-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, professional firms and service establishments. Translate cluster targets into branch-, team- and individual-level productivity plans. Own the current-account business plan, sales funnel, conversion pipeline and weekly performance rhythm. Improve portfolio quality by prioritising transaction-active, balance-building and cross-sell-ready relationships over dormant or low-value acquisition. Sales Leadership and Channel Execution Lead, coach and motivate a field-sales organisation to consistently deliver acquisition and value-build targets. Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles, pipeline reviews and conversion tracking. Ensure each relationship manager follows a profile-based sales approach rather than a generic product pitch. Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs. Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients. Current-Account Activation and Value Build-Up Ensure newly acquired accounts become transaction-active within defined activation timelines. Drive operating balances, inward credits, collections, payment activity and digital banking adoption. Track early-warning indicators including low funding, non-activation, declining balances, low transaction velocity and potential attrition. Build strategies to migrate primary transaction flows—collections, vendor payments, payroll, taxes and operating cash—to the bank. Improve account quality by monitoring average balance, debit transactions, credit transactions and account profitability. Solution-Led Cross-Sell Use the current account as the primary operating hub for business clients and identify the appropriate product solution based on the customer’s business model. Drive adoption of corporate internet banking and mobile approvals; cash management and bulk payment solutions; POS, Android POS, QR and Soundbox; sweep-in / sweep-out or FFD structures; debit cards; collections and transaction banking solutions; and promoter, family, wealth and premium savings propositions. Partner with product teams to convert business pain points into integrated propositions—for example, POS for collections, Internet Banking for payment controls, FFD for temporary balances and Aspire/premium banking for promoter wallet deepening. Customer Relationship and Service Governance Build senior-level relationships with anchor clients and participate in strategic joint calls for high-value prospects. Ensure timely resolution of onboarding, account-opening, transaction, service and digital-banking issues. Work with branches and operations teams to reduce turnaround time, improve onboarding quality and strengthen client experience. Review top customers and at-risk accounts regularly to protect balances, transactions and wallet share. Drive customer retention through proactive engagement, problem solving and relevant product deepening. Risk, Compliance and Portfolio Quality Ensure all sourcing, onboarding and account activation follows internal policies and applicable KYC, AML, fraud-risk and regulatory requirements. Maintain high standards of customer due diligence, documentation quality, source-of-funds understanding and business-profile validation. Monitor exceptions, unusual transaction behaviour, documentation gaps and operational risks; escalate promptly where needed. Build a culture of right-first-time acquisition, with no compromise on compliance for target achievement. People Leadership Recruit, develop, retain and performance-manage a high-quality current-account sales team. Set clear scorecards covering acquisition, activation, AQB/AMB, transaction activity, fee income, cross-sell, productivity, service quality and compliance. Conduct structured coaching through joint market visits, call observations, weekly reviews and capability-building sessions. Identify skill gaps and develop targeted interventions around sales planning, segment understanding, solution selling, digital banking and compliance. Maintain a strong talent pipeline and manage attrition proactively. Key Performance IndicatorsDimensionIllustrative KPIsAcquisitionNew-to-bank current accounts, high-value accounts, segment-wise acquisitionBalance GrowthAQB/AMB growth, activated accounts, value build-up and balance retentionTransaction PrimacyInward credits, transaction-active accounts and payment/collection volumesRevenueFee income, POS/QR revenue, cash-management revenue and cross-sell revenueProduct PenetrationInternet banking, POS, debit/business card, FFD, assets and promoter bankingPortfolio QualityNon-activation rate, dormant accounts, early attrition, balance decline and compliance exceptionsTeam PerformanceProductivity per RM, conversion rate, hiring quality, attrition and training completionCustomer ExperienceOnboarding TAT, service-resolution TAT, complaint trends and retention of top accounts Location: Regional Office Coimbatore Job: Relationship Management Schedule: Regular Employee Status: Full time DBS is more than a bank — we're shaping the future of finance and communities. With innovation at our core and impact in our DNA, we go beyond banking to build careers, relationships, and a better world. DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 15 consecutive years from 2009 to 2023. DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets and is committed to building lasting relationships with customers. With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities.

Analyst, Cluster Head- Current Account, Consumer Banking Group.

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