Associate Director – Relationship Manager – SME ME

Key Responsibilities

Business

• Responsible for onboarding new clients through various avenues including Agri NTB accounts.
• Meeting existing clients, generating leads from them, meeting CA, Consultants etc can provide output. 
• Understanding the client needs and providing solutions to them so that the purpose is also solved and revenue part is also taken care 
• Maintaining quality of the onboarded accounts by checking the health of the account on periodic basis.
• Any suspicious activity / alert in the account should be immediately identified and discussed amongst the team for taking future action. 
• Sales Discipline: Timely and accurate account plans, timely updation of NTB and pipeline, and call reports
• Delivery on RORWA commitments made whilst approving
• Achieving assigned full year objectives as per annual P3 document

Processes

• Ensure adherence to all internal and external regulations.
• To embed Operational Risk monitoring as an integral part of the business process. Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance. 

People & Talent 

• Substantial experience in the banking industry, including demonstrated success in a similar role.
• Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
• Ability to work with geographically dispersed and highly varied stakeholders
• At least 4-6 years of relevant experience in lending to SME’s / Mid Corporates preferably in Mumbai. 

Risk Management

• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees

Governance 

• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business

Regulatory & Business Conduct 

• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] 
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal

• Risk
• CRC
• Trade Ops
• Audit 
• Branches & PVB

External

• As and when necessary

Skills and Experience

• Financial Analysis
• Relationship Management 
• Portfolio management skills 

Qualifications

• Substantial experience in the banking industry, including demonstrated success in a similar role.
• Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
• Ability to work with geographically dispersed and highly varied stakeholders
• At least 4-6 years of relevant experience in lending to SME’s / Mid Corporates preferably in Mumbai. 

About Standard Chartered

We’re an international bank, nimble enough to act, big enough for impact. For more than 170 years, we’ve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you’re looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can’t wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you’ll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies – everyone feels respected and can realise their full potential.

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