Job Summary

•    Develop and execute the team's bancassurance strategies to ensure alignment with the bank's overall WRB and WS business objectives.  
•    Lead the assigned bancassurance IS team, provide training and coaching, provide guidance for performance management to IS, and accompany HNW client meetings when needed
•    Collaborate with bank branches and insurance partners to ensure operational synergy.
•    Enhance customer experience and insurance penetration among PP and PC segments.
•    Monitor team’s banca performance, analyse sales data, and propose actionable insights. 
•    Track market trends and competitor dynamics and adjust business strategies accordingly.
•    Fulfil various tasks assigned by people leader.
•    Be responsible for implementing and complying with anti-money laundering requirements when performing their duties.
•    Comply with the bank's internal process policies and relevant laws and regulations on the requirements for agency sales of insurance.

主要职责：
•    制定并执行团队银保业务战略，确保与银行区域和整体零售业务目标一致。  
•    领导所辖银保团队，提供培训和绩效管理指导，按需陪同高客面见。
•    协调银行分支机构与保险合作伙伴的关系，确保高效协同。  
•    优化客户体验，提升PP客户和PC客户的保险渗透率。  
•    监控团队业务表现，分析销售数据并提出改进方案。  
•    跟踪所辖城市的市场趋势和竞争对手动态，调整业务策略。  
•    实现领导安排的各项工作。
•    在履行职责时负责实施和遵守反洗钱要求。
•    遵守银行内部流程政策及相关法律法规对代理销售保险的要求。

Key Responsibilities

General JD
•    Understand, acknowledge, and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.  
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review.
•    Fully understand the importance of Consumer Rights Protection, prevent damage to consumers’ best interest
•    Implement regulatory requirements related to Consumer Rights Protection, ensure to complete relevant trainings.
•    Always embed Consumer Rights Protection mindset when performing daily work
•    Ensure timeliness and handle customer’s complaint properly

一般职位描述
•    理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.
•    跟上本地问责法律法规的发展，以有效地确保并强化内控.
•    审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.
•    对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.
•    配合任何关于违反监管规定的调查或审查，例如，问责审查.
•    在日常工作中，充分理解保护消费者权益的重要性，防止损害消费者的利益.
•    在日常工作中，始终遵守与消费者权益保护相关的法规要求，且确保完成相关培训.
•    在日常工作中，始终谨记以保护消费者权益为基础执行工作.
•    及时、妥善地处理客户投诉。

Accountability Review - all
•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities 
•    of the job set out in applicable local laws and regulations as well as SCB internal policies
•    理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
•    跟上本地问责法律法规的发展，以有效地确保并强化内控.
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank  
•    审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
•    对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review
•    配合任何关于违反监管规定的调查或审查，例如，问责审查。

Accountability Review – Line Managers
•    Properly perform the duties on management and ensure the effectiveness of internal control.
•    正确履行管理职责，并确保内控的效率.
•    Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership. 
•    对负有管理和/或领导责任的事项引起或相关的违反监管规定事件或风险，承担相应责任。
•    Be responsible for significant losses due to failure of effectiveness of internal control.
•    为内控失效造成的重大损失负责。

Accountable for Consumer Rights Protection Requirements (CN required) – all
•    Fully comply with all the regulatory requirements related to Consumer Rights Protection, uphold the robust mindset of Consumer Rights Protection, complete the Consumer Rights Protection themed training and workshop in due course, prevent the potential infringements of consumer rights, participate the public education, EV or other activities to uplift the public awareness about Consumer Rights Protection

Strategy
•    To grow the business profitably by driving and implementing an effective sales and distribution channel of the Assigned Regions/Cities
策略
•    通过推动指定区域/城市的渠道销售来实现银保业务目标

Business
•    Monitor regional performance, analyse sales data, and propose actionable insights. 
•    Define KPIs and report business progress to senior management.  
•    Conduct market research to adapt strategies based on trends and competitor activities. 
•    Promote innovation in insurance sales to meet the needs of local customers.
业务
•    监控区域业务表现，分析销售数据并提出改进方案。  
•    制定关键绩效指标（KPI），定期向高层汇报业务进展。  
•    跟踪区域市场趋势和竞争对手动态，调整业务策略。  
•    推动保险销售创新，满足本地客户需求。  

Processes
•    To develop sales kits tools, sales pitch and trainings to insurance sales and relationship manager on business expansion in complied with the Bank’s strategy.
•    To plan marketing events and undertake presentations in seminars in support of insurance business expansion and increase customer satisfaction.
•    Track the performance and strategy of bancassurance operations in the territories covered by the    Assessment, acting through our analysis and support of business and product to assist regions and branches in achieving bancassurance objectives.
流程
•    根据银行的战略，为保险销售和客户经理的业务扩展开发销售工具，销售话术以及培训。
•    规划组织营销活动，以支持保险业务扩展并提高客户满意度。
•    追踪评估所辖区域银行保险业务的绩效和策略，通过对业务及产品分析协助支持区域和分支行达成银保业务目标。

People & Talent
•    Ensure all team members are trained and certified on insurance product selling, anti – money laundering, mis- selling, mis – representation and other fraud and customer protection principles.
•    Be responsible to investigate mis-selling cases and assist to handle customer complaints
Training of Sales Force – The role holder would be responsible for training of the sales force under various channels. This would involve:
•    Liaising with the sales academy head in the generation of the training plans.
•    Partnering the sales academy in implementing the training calendar.
人员管理
•    确保所有团队成员都经过有关保险产品销售，反洗钱，禁止误导销售、误导性陈述和其他欺诈行为，客户保护原则的培训和认证。
•    负责调查误导销售案件，并协助处理客户投诉。
•    培训销售人员–通过各种形式对销售人员进行培训。包括：
•    与培训负责人联系，制定培训计划。
•    与培训负责人合作实施培训计划。

Risk Management
•    Accountable for implementing and complying with AML requirements when performing duties.
•    Service Quality – The role holder will be responsible for implementation of the service quality norms. This would involve the following all people related issue are addressed effectively across all business units.
•    Training staff on service quality and its importance
•    Responsible to the MIS for Insurance product and business planning
•    Overall encourage and build a culture of service quality in Bancassurance product
风险管理
•    服务品质–负责服务质量规范的实施。需在以下人员管理方面得以体现和落实。
•    加强员工有关服务品质及其重要性的培训
•    负责保险产品和业务计划的业务信息管理系统
•    打造银行保险专注服务品质的团队文化

Governance
•    Compliance with local Regulators and laws – The role holder would be responsible for ensuring 100% compliance with the country laws and regulations. This would involve periodic review of the existing policies of Bancassurance 
•    Compliance with local Regulators and laws – The role holder would be responsible for ensuring 100% compliance with the country laws and regulations. This would involve periodic review of the existing policies of Bancassurance
•    监督
•    遵守当地监管机构颁布的各项法律法规–确保100％遵守国家法律法规，定期评估对于银行保险业务管理规定的落实执行。

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.
•    Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.

Key stakeholders
•    Branch Manager/RM/ARM/BDE/Service/Product Manager/IA/TS, etc.
•    WS/ Affluent / CFCR / Ops/ BORM

Other Responsibilities
•    Embed Here for good and Group’s brand and values in China/WRB WS/Banca; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    The responsibilities above are applicable to both offline and online insurance business.
•    适用于全体员工 General Job Description applicable to all the roles 
•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.

•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities 根据本地问责法律法规的发展，以有效地确保并强化内控.
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review 配合任何关于违反监管规定的调查或审查，例如，问责审查。

Qualifications

•    Education - University degree or above
•    Training - ALE 36H & ILP 40H
•    Licenses - 需获得永久有效的《保险代理从业人员资格证书》（简称 ALE 证书）、或通过保险公司组织的书面考试。
•    Membership - Good communication and coaching skill 
•    Languages - 中英文

Skills and Experience

•    Application ability of office software
•    Banca business data analysis
•    Training and presentation skills
•    Sales ability of bancassurance
•    Should have been responsible for a business delivery of a team
•    Strong knowledge of insurance products and service and related procedures as well as business models
•    Good presentation skills and people interaction skills
•    Strong interpersonal and communication skills, ability to deal with all levels of people, often in complex and difficult situations
•    Strong planning, strategy and negotiating skills
•    Self-motivated, with pro-active service attitude and able to work under pressure.

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.