Job Summary

Strategy

•    Be the lead banker for a select group of Fintech clients assigned by the team head.
•    Single point of contact to the client's wrt origination and all relationship management responsibilities in China 
•    Responsible for working with the Global Account Managers ("GAM"), Field Account Managers ("FAM") and Product Partners in FM, TB, CF and Risk to deliver the SCB Asia Network to our clients.
•    Key requirements include effective origination skills, relevant product knowledge and an acute knowledge and experience in identifying and managing all Risks.
•    Strong understanding of the Banks’ FinTech/NPM framework, and ability to conduct a thorough and critical analysis of the financial crime risks which have been identified, assessed, and concluded for their FinTech/NPM Client. 
•    The successful candidate will be expected to both build and originate new client relationships by providing service and solutions tailored to the clients' needs and acting as a content provider alongside our regional and global colleagues.

Business

Act as direct sales on all origination activities in country or region:

•    In partnership with GAM / Senior Banker jointly accountable for clients
•    Conduct origination activities i.e. pitch books, industry leads etc; including coordination with network and product
•    Client analysis, reporting on post origination activities; client meeting documentation; adherence to sales discipline requirements, case studies
•    Client meeting preparation and execution
•    Competitor analysis, compare/contrast SCB's value proposition vs. its peers
•    New transactions: Deal execution support, credit documentation, limit loading, co-ordinate with sales/products on fee letters, deal drawdown.
•    Proactive management of portfolio including client and product partner engagement to ensure limit utilization

Key Responsibilities

Processes

•    Support Team Leader/Senior Banker in account strategy process for each client by involving all relevant internal stakeholders:
•    Conduct 'deep dive sessions'
•    Work with the product partners to maximize cross-sell and returns on risk weighted assets.
•    Communicate relevant approved strategy for each client to all relevant internal stakeholders
•    Along with product partners, push for line utilization of complex and structured transactions. Oversee the CM in ensuring high utilization of regular BAU facilities.
•    Review client profitability data for clients.
•    Participate in conversations with client on account strategy/wallet sizing/transactions/pricing issues
•    Identify clients that need to be classified as Early Alert with Credit and/or transferred to GSAM
•    Lead the effort in amending the account Strategy if a critical credit related issue arises
•    Form and manage internal deal team for complex transactions that involve numerous internal product partners. Ensure that sensitive deal information is managed and treated confidentially
•    Drive product and geography cross sell with clients
•    Responsible for prompt logging of client calls into systems and refreshing deal pipeline. Drive swift conversion of deal by engaging client and relevant internal stakeholders
•    Responsible for annual account planning exercise and engage product partners to ensure account planning process is rigorous and revenue objectives for client are fulfilled
•    Responsible for periodic credit review and requests for information/updates particularly during periods of market volatility
•    Exemplary deal management from origination to post deal ensuring at all times, professionalism of discussion, completion of relevant documentation, fulfilment of deal conditions and monitoring post fund disbursement

Risk Management

•    Take the initiative regarding regulatory, reputational and ethical matters, taking the initiative for providing proactive advice to clients as identified. 

•    Ensure that key regulatory risks and concerns are raised into the governance framework throughout the Fintech teams

Governance 

•    Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas

•    Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.

•    Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner. 

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.
•    To achieve the outcomes set out in the Bank’s Conduct Principles 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
Internal:   
•    Engage with product partners within the region and globally to ensure breadth and depth of client coverage and deepening.
•    Consult with senior stakeholders in Risk and Legal & Compliance to ensure that the portfolio remains credit worthy and within the policies of the bank.
External:
•    Point of contact with clients, acting as a trusted advisor to the stakeholders
•    Peers in the International Corporate/BBD/I&I/PSDO/LCMM sector

Other Responsibilities
•    Embed Here for good and Group’s brand and values in [country / business unit / team],
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Qualifications

•    Education: Bachelor And Above
•    Languages: Mandarin And English 

Skills and Experience

•    Industry Knowledge
•    Digital Transformation
•    TB product knowledge
•    FM product knowledge
•    Credit knowledge
•    Client relationship management

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.