Assistant Officer - Virtual Relationship Manager, Consumer Banking Group

About DBS Consumer Banking Group

DBS is Asia's leading bank, providing comprehensive financial services such as deposits, investments, insurance, mortgages, credit cards, and personal loans tailored to customers' life stages. Serving over 2.6 million clients globally, the Consumer Banking Group, including digibank and Treasures wealth segments, focuses on quality customer acquisition through multiple channels and innovative technology-enabled approaches.

Role Overview

The Virtual Relationship Manager (Treasures) role is essential within Consumer Banking, aimed at engaging clients across India and worldwide by leveraging technology to significantly enhance client experience. This customer-centric position requires strong interpersonal skills and a multi-channel approach via online and digital applications.

Key Responsibilities

• Acquire clients by e-boarding provided leads and nurture relationships for steady asset under management growth.
• Establish and grow the virtual relationship channel as a major revenue source through effective multi-channel client engagement.
• Balance product mix between acquiring new bank customers and increasing wallet share from existing clients.
• Drive improvements in customer satisfaction by timely engagement and resolving client inquiries.
• Interact with new customers to explain product features in detail and support their onboarding process.
• Encourage clients to adopt digital value delivery channels to improve transaction efficiency.
• Maintain quality engagements with Emerging Affluent and Treasures clients to build sustainable relationships.
• Coordinate investment and insurance portfolio reviews with specialists in cluster locations.
• Ensure service delivery with correct workflows including digital onboarding, account maintenance, wealth transactions, and doorstep services.
• Collaborate with clusters, operations, and stakeholders to execute customer instructions accurately and promptly.
• Gather customer feedback to identify and implement improvements in operations, processes, and product competitiveness.
• Remain knowledgeable about relevant financial products to provide suitable solutions aligned with client needs.
• Support process and product enhancements while ensuring compliance with internal audit, regulatory standards, and quality assurance.
• Adhere strictly to DBS code of conduct and control standards reflecting the bank's values.

Qualifications and Experience

• Experience servicing high net worth clients at financial institutions or KPOs.
• Familiarity with client servicing through electronic channels and proficiency with digital tools is advantageous.
• Strong knowledge of wealth management products, including investments and insurance.
• Customer-focused mindset with ability to assess financial needs effectively.
• Relevant insurance and investment certifications (e.g., AMFI, IRDAI Composite license) are preferable.
• Proficiency in spoken English and Hindi; knowledge of regional languages such as Marathi, Bengali, Tamil, Telugu is beneficial.

Educational Background

A university degree preferably in finance, business, or related fields is required. Postgraduate qualifications in marketing, finance, or banking are desirable.

Core Skills and Competencies

• Strong sales and influencing abilities to expand customer base and product adoption.
• People management capabilities.
• Excellent communication skills.
• Proactive and driven to achieve results.
• Ability to perform in uncertain or ambiguous environments.
• Deep understanding of the bank’s strategy and capability to execute it to enhance customer wallet share.
• Demonstrated success in implementing sales or marketing strategies that yielded business growth.

Work Dynamics

• Provide remote coverage and client engagement alongside branch support teams.
• Collaborate closely with channels, segments, and clusters to ensure unified service delivery and achievement of business goals.

Culture and Values

• DBS fosters an inclusive culture valuing respect, diversity, and continuous professional development with flexible work arrangements.
• Employees are encouraged to demonstrate value-driven behavior including customer focus, integrity, pride, and a commitment to improving competencies.

Location and Details

This full-time position is based in Pune (DBIL). The role is part of Product Sales with a regular schedule under DBS employment standards.