Job Summary

•    To lead and drive a sales team in achieving agreed sales volume and revenue objectives by acquiring, growing, and retaining SME Banking customers within acceptable risk parameters. To contribute towards achieving the region’s overall SME Banking targets.
•    Overall responsible for SME banking business performance, customer experience, people management and governance control for the assigned portfolio.
•    Build a sustainable and scalable SME business. 
•    Lead the overall implementation and delivery of business strategy and financial plans for SME banking Team, within regulatory framework and the group’s policies and risk guidelines.
•    Manage sales teams and be responsible for achieving agreed city sales target and revenue objectives.
•    Optimize resource allocation and growth opportunities towards delivering higher return.
•    Build and develop a high-quality sales force via structured training and people development (including conduct culture).
•    In line with the commitment to serve SME segment by supporting their high-quality development needs, SME department will continue to extend the coverage of financial services, uplift comprehensive financial service capabilities for SMEs, as well as provide one-bank financial solution to support SMEs’ whole life cycle growth (from start-up to cross-border expansion).

Strategy and Business Performance

•    Develop and execute business strategy in SME banking segments to achieve the following goals:
•    Financials:
Financial objectives by product and by customer, Revenue growth, Cost/Income management, Footings & Market Share growth, etc
•    Customers:
Segment Management, Customer – Client centric acquisitions, Client retention management, account activation and usage
•    Manage and optimize SME Banking City portfolio risk versus return
•    Put in place the necessary sales infrastructure to support good quality customer acquisitions and driving productivity gains.
•    Contribute towards establishing the strategy and priorities for the SME banking business in the responsible city portfolios.

Key Responsibilities

•    Consult and recommend strategies where account management or recovery is needed on problem accounts, assisting CMR / GSAM in identifying sources to expedite loan recovery.
•    Deepen relationship with SME Banking customers in providing effective need based financial solution.
•    Generate new business via direct selling to customers and referrals from different approved sales channels.
•    Build and expand existing customer relationships via in depth analysis of their needs.
•    Identify and prioritize activities to maximize revenue contribution from the high potential customers.

Business Management

•    To lead all SME sales teams and to build a sustainable and scalable SME business. 
•    Contribute towards developing innovative products, product-cross sells and direct channels based on customer insights to deliver increase market share and financial objectives. 
•    Contribute towards developing and managing product lifecycle to optimize portfolio revenues and risk.
•    Help to identify new segments, channels or opportunities for product distribution and marketing.
•    Work with Marketing on product marketing, branding and franchise building.

Process

•    Contribute towards improving the end-to-end process for SME with focus on quality in delivery and cycle time. 
•    Manage the productivity and efficiency of the value stream.
•    Give regular feedback to management on product and processes based on customer feedback.
•    Work closely with branch service staff and other SME Banking service centers to ensure a high level of after-sales service is provided to SME Banking customers.

People & Talent

•    Build a strong local talent pipeline for future business growth and continuity.
•    Coach direct reports and key talents to deliver on individual performance.
•    Manage employee engagement, motivation, and attrition issues.
•    Be an effective agent of change and a role model for talented managers throughout the Bank.

•    Identify and develop high potential team members. 
•    Identify and manage-out low performing team members.
•    Perform professionally as a team player to lead, co-work, or support in all SME Banking related initiatives. 
•    Enhance & multiply the quality & depth of direct reports in SME Banking family. 
•    Drive performance through clear objectives via scorecards, KPIs. 
•    Identify current and future employee development needs (skills, training, behaviour, coaching, and career path).
•    Identify and recruit new staff based on the staff planning with supports from local HR and HR business partner.

Risk Management

•    Ensure effective and efficient operations without sacrifice on control and service quality. Continually look at opportunities for process improvements.
•    Work effectively across SCB, using values behaviours to drive sustainable business growth.
•    Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct

Compliance & Control

•    Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff.
•    Contribute towards achieving and maintaining satisfactory audit rating.
•    Contribute towards ensuring that the value stream is fit for growth and have effective controls framework.
•    Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.”

•    Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
•    Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency.
•    Accountable for implementing and complying with AML CDD/Sanction requirements when performing duties: 
•    Ensure timely escalation of suspected or known transactions which are in breach of Group policy and procedures or local regulatory requirements.
•    Full compliance with AML CDD/Sanction related policy and procedures of Group, Country and local regulatory when performing BAU tasks.  
•    To comply with all compliance requirements with high alertness to MLP procedures and take the lead at all times to be alert to unusual or possibly suspicious customer activity and must report/escalate up on any suspicious transaction. 

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. Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Other Responsibilities

•    Embed Here for good and the Group’s brand and values in the region/country.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    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 so as 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.
•    Understand, acknowledge, and comply with the requirements as set by all applicable regulators.
•    Ensure to 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.
•    Ensure to timely handling the various regulatory requirements under appropriate permission, e.g. report, survey, consulting paper, research paper, inspection, regulator queries regarding regulatory submission (if any), etc. 
•    Properly perform the duties on management and ensure the effectiveness of internal control. 
•    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.
•    Be responsible for significant losses due to failure of effectiveness of internal control.  

Skills and Experience

•    Cash Management Services
•    Credit Analysis and Verification
•    Small Business Banking
•    Customer Experience Management
•    Liquidity Management  

Qualifications

•    Preferably with experience in Business Banking or Commercial Clients.
•    Good leadership in demonstrating and promoting change 
•    Excellent interpersonal skills and communication skills.
•    Good facilitation and inter-personal skills  
•    Must be able to read, speak & write Chinese.
•    Credit Risk Analysis 
•    Customer Relationship Management 
•    Data Conversion & Reporting 
•    Legal & Regulatory Knowledge 
•    Market/Competitor Knowledge 
•    Product Knowledge 
•    Risk 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.