About Standard Chartered
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation.
This in turn helps us to provide better support to our broad client base. The Role Responsibilities Deliver on Business Performance objectives (B2B) Specific to EB RM :
Build relationship with Priority, BB, CB & CIB to obtain leads / referrals for sign-ups.
Identify potential corporate within identified industry segment that meets our targeting criteria.
Responsible for assessing the economic viability of the potential corporate.
Pitch employee banking business proposition to targeted corporate and sign-up new corporate.
Manages the relationship of a pool of new and existing corporate aimed at deepening corporate relationship thereby increasing employee penetration, performance and profitability.
Grow and develop corporate relationships.
Conduct regular scheduled visits and develop constant engagement with all corporate aligned to country engagement model and strategy.
To grow the portfolio through a focused market segment approach by creating effective relationships that maximize revenues and Asset growth
Establish relationships with key Corporations and Cross-sell to existing Corporate Customer
Work closely with Business Development Executives to generate sales leads
Work closely with the other Corporate Relationship Managers (BB, CB & CIB RMs) in building relationships with companies on the approved list and those within their portfolio.
Generate referrals and use Market Intelligence to achieve deeper relationships with our customers.
Source potential organizations and recommend their inclusion in the approved company list
Advice the Business on companies which exhibit high risk policies and practices.
Quick resolutions of customer complaints.
Specific to EB RM :
Manage a pool of existing Corporate to further increase employee penetration, performance and profitability
Focus on portfolio related activities and deepening employee relationships through increasing needs met, to drive corporate performance and profitability.
On-site or constant engagement required and aligned to EB engagement model and strategy.
Generic across all EB RM :
Liaise and manage relationship with key decision makers of these corporate who are largely CEOs, CFOs and HR directors of a corporate
Facilitate sales of payroll accounts and cross sell of asset and wealth product in corporate
Own and drive the targets from assigned corporate
Liaise with dedicated service team to ensure that all individual customer queries are dealt with promptly.
To ensure performance as per Scorecard for self and team performance management criteria
Ensuring conclusions on all the business sourced on leads provided from other channels.
Ensure prompt and satisfactory feedback to lead generator.
Verify that potential customers satisfy all criteria required of a desired customer profile as outlined by the bank.
Derive insight to competitor’s sales activities and effectively report them to the Employee Banking Corporate Account Planning Manager and Retail Product team.
Maximize sales referral opportunities by working with customer service colleagues.
Deliver service to customers that are synonymous with the consumer brand experience being promoted by the organization.
Work alongside BDEs on employee sign-ups and cross-sales activities.
Institute and Adhere to controls in the sales process for the unit :
To ensure that prospects are clearly communicated about the bank charges / terms and conditions
To ensure Customer Due Diligence requirements as prescribed by the bank are duly adhered to. All the legal and compliance guidelines provided by the bank are adhered to.
Data confidentiality and secrecy norms of the bank are adhered to
To ensure that all applications (Account opening forms or loan application forms) are being cross-checked prior to submission.
To ensure that the Sales process prescribed by the bank is fully adhered to.
Ensure full awareness of all policies related to miss-selling, etc & comply by the same.
Maintain complete and detailed knowledge of all the assigned products.
Maintain accurate and up to date activity records, MUST include call reports with updated information on company staff headcount, salary breakdown, top management profile, financial position after every two years at minimum.
Adhere to Operational Risk Management Assurance & Compliance :
Ensure awareness and adherence to all policies, guidelines, procedures and local regulatory requirements
Implement controls within the Business Unit to meet regulatory and internal requirements. In addition, drive and implement an effective risk management framework, and promote a strong risk management and compliance culture.
To ensure there is adequate training in Compliance. In addition, document and implement controls to ensure compliance with regulations and Group Standards.
Ensure that policies are implemented effectively within Business; new regulations are properly communicated, and provide quality assurance on the design of the control measures and monitoring plans.
Ensure adherence to the risk management framework
Conduct CDD diligently
To comply with all applicable money laundering prevention procedures and report
Zero tolerance on fraud and mis-selling
Read, understand and comply with all provisions of the Group Code of Conduct
Attend all required training
Embedding principles of Sales Governance in the Sales Value Chain : .
Implement the HR standards approved in all channels being used.
Ensure the premises H & S standards are as per standardized norms.
Ensure branding is as per approved norms and requirements
Compliance with regulatory requirements
Our Ideal Candidate
University Graduate with at least 3 years’ managerial experience in the Banking Industry.
Experience in Sales or Relationship management.
In-depth knowledge of Retail Clients products, services and delivery channels
Demonstrated and consistent achievement in meeting set targets
Strong analytical, problem-solving, decision-making and financial management skills.
Ability to identify need for change and to drive the desired changes; adaptable and flexible in anticipating and realising market opportunities.
Thorough understanding of the market and its dynamics
Excellent interpersonal and networking skills, internally and externally.
Excellent writing and presentation skills.
Knowledge and experience in personal credit policy.
Team orientation and people management skills.