Job Summary

The Associate Relationship Manager plays a vital role within Standard Chartered Nigeria, based in Lagos, as part of our commitment to supporting and expanding our SME client portfolio. This role is responsible for driving revenue growth by proactively managing a diverse portfolio of small and medium-sized enterprises. Using a data-informed approach along with deep client insights and systematic relationship management strategies, the Associate Relationship Manager is essential in acquiring new business, deepening existing relationships, and retaining clients through tailored financial solutions. The focus extends across trade finance, deposits, and several business banking products designed to meet the evolving needs of our clients.

The role offers an exciting opportunity to work collaboratively with cross-functional teams, including compliance and sales, to enhance customer experience and build sustainable business relationships. If you enjoy working in a dynamic environment, can manage competing priorities effectively, and are passionate about creating value for clients, this position offers an ideal platform to grow your career within a global banking leader.

Portfolio Growth and Client Acquisition
•    Manage, deepen and increase penetration of Existing-to-Bank SME portfolio accounts.
•    Manage and upgrade clients to Relationship Managed level by increasing annual revenues >USD500 per annum while driving strong customer retention.
•    Grow portfolio active clients to more than 80%, drive Straight2Bank (S2B) active clients and deposit book through structured marketing and relationship strategies.
•    Build sustainable banking relationships, increase low-cost deposits from the tail base into a higher-revenue client base.
•    Identify and sell relevant SME products through a consultative approach and a detailed understanding of each client’s business needs.
•    Maintain a portfolio of active and growing customers.

Service Delivery and Collaboration
•    Work closely with Trade Operations and Treasury teams to deliver seamless end-to-end service and timely execution of trade transactions.
•    Improve customer experience and service delivery for SME clients.
•    Provide client-centric solutions, and execute various banking transactions.

Sector Focus and Market Awareness
•    Prioritise cash-rich clients and sectors such as Trade, Maritime, Oil & Gas, IT, NGOs, Health, Schools, General Commerce and other high-revenue segments.
•    Maintain awareness of the wider business, economic and market environment in which the Group operates.

Responsibilities

Strategy
•    Implement Business Banking’s tail strategy: continually engage all clients in the tail base of Business Banking with a view to migrating them from Tail to qualified clients >$300 revenue
Business
•    Increase revenue per client within portfolio
•    Drive alternate channel sign up
•    Increase New to Wealth clients within the tail portfolio
•    Drive client account activity and Liability growth
For Existing to Bank (ETB):
•    Initiate Client contact 
•    Complete CDD related documentation and ensure completeness of customer due diligence (CDD) information for clients that is current, valid and complete and check the quality of the CDD information, as required
•    Checks compliance policy, completeness, and accuracy of the provided information.
•    Upload Documents wherever necessary  
•    Dormancy reactivation 
Processes
•    Engaging tail clients who are not on S2B and then sending the referrals to the S2B team for onboarding and activate on S2B. 
•    KYC/CDD Transaction monitoring and Periodic/Trigger Review. The process of assessing the risk level of customer due diligence (CDD) of a client on an ongoing basis after the client is on boarded, ensuring that the client documents, information are kept up-to-date and the assessment of CDD/AML, Sanctions risks for the client remains appropriate. The process of on-going adherence to Foreign Account Tax Compliance Act (FATCA requirements)

Risk Management
•    Execution responsibility for identifying, assessing, monitoring, controlling and mitigating financial crime risk, sanctions risk and reputational risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them
•    Ensure compliance with sales processes. 
•    Responsible for identifying, assessing, monitoring, controlling and mitigating risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them
•    The ability to interpret the Group’s financial information, identify key issues based on this information and put in place appropriate controls and measures
Governance
•    Ensure that activities are done in a well-controlled environment and there are no gaps and governance issues
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.

The Associate Relationship Manager will operate within a fast-paced banking environment, collaborating with internal stakeholders across compliance, risk management, product development, and digital platforms. This position requires proactive engagement with clients to anticipate business needs and deliver effective, timely financial solutions. Regular reporting on portfolio performance, risk indicators, and client satisfaction metrics will be expected to inform continuous improvement efforts. This role upholds the highest standards of governance and compliance, contributing to safety and integrity within Standard Chartered and the wider financial ecosystem.

Skills and Experience

We seek candidates with a comprehensive understanding of the banking sector, particularly within SME business banking. Your expertise will include, but is not limited to:

• Advanced skills in addressing diverse customer needs through tailored financial products.
• Strong knowledge of Anti-Money Laundering (AML) policies, procedures, and regulatory frameworks.
• Familiarity with digital banking products and online platforms designed to enhance client engagement and banking experience.
• Demonstrated ability in customer interaction, relationship management, and retention strategies.
• Competence in cross-selling relevant banking services to increase client product penetration.
• Understanding of investment opportunities and portfolio management tailored for business banking clients.
• Awareness of regulatory requirements shaping the financial services industry and adaptability to such frameworks.

The role demands a high degree of accountability and proficiency in both front office and back office functions within the grade ABO/BO, underscoring versatility across client-facing and operational tasks.

Qualifications

Candidates are expected to bring the following qualifications and attributes:

• Strong interpersonal skills, enabling effective relationship building and client management.
• Excellent communication and active listening abilities to fully understand and address client needs.
• A solid background in the banking industry, with specific experience in AML practices and regulatory compliance.
• Thorough understanding of the Group's AML, Customer Due Diligence (CDD), and sanctions policies and procedures.
• Insight into the end-to-end impact of processes on customer experience, risk management, operational effectiveness, and cost efficiency.
• Certification as required by Standard Chartered’s policies, including completion of all relevant SCB e-assessments once implemented.
• Flexibility and adaptability to varying market complexities, with readiness for ongoing capability assessments as function evolves.

About Standard Chartered

At Standard Chartered, our heritage spans over 170 years of banking excellence and meaningful contributions to the markets where we operate. We are proud to be a truly international bank that balances agility with impactful scale, committed to driving commerce and prosperity through our uniquely diverse workforce and inclusive culture.

Working with us means engaging in a purpose-driven career within an environment dedicated to innovation, integrity, and collaboration. We embrace diversity and inclusion as vital strengths, ensuring that every team member feels valued and empowered to bring their authentic selves to work. Our ethos revolves around three key behaviour pillars:

• Do the right thing: Acting with integrity, advocating assertiveness and fairness, while always putting our clients at the heart of what we do.
• Never settle: Driving continuous improvement through innovation, simplification, and learning from successes and challenges alike.
• Are better together: Fostering inclusivity, recognising individual strengths, and working collectively for sustainable, long-term outcomes.

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.