Job Summary

Drive strategic and financial goals of Trade and Working Capital (TWC) business under Small Medium Enterprise (SME) Banking segment. The goals have to be achieved as sole contributor against Key Performance Indicator (KPI) set in role specific scorecards consisting of balance sheet growth, revenue growth, New-to-bank customer onboarding and other related KPIs.

Strategy

• New-to-Bank customer onboarding in Trade and Working Capital (TWC) portfolio
• Optimize utilization of Existing to Bank TWC clients 
• Grow Cottage, Micro, Small and Medium Enterprise (CMSME) portfolio under TWC business, with higher concentration than Large Enterprises to meet regulatory objective.
• Balanced portfolio concentration in Trade Products i.e. Letter of Credit (LC), LATR (Loan Against Trust Receipt), Invoice Financing vs Lending Products i.e. Overdraft, Short Term Loans.
• Reduce branch transaction of TWC clients to better manage Conduct, Financial Crime and Compliance (CFCC) risk and transaction cost.

Business

• Deliver scorecard objectives of TWC Relationship Manager 
• Drive revenue growth with higher product holding per client

Processes

• Ensure discipline in portfolio monitoring processes.
• Ensure timely renewal and review of Business Credit Applications and Customer Due Diligence (CDD) of the TWC portfolio of clients.

Key Responsibilities

People & Talent

• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the TWC team and work in collaboration with risk and control partners.
• Ensure the provision of ongoing training and development of people and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
• Employ, engage and retain high quality people, with succession planning for critical roles.
• Responsibility to review team structure/capacity plans.
• Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.

Risk Management

• Identification of operational and credit risk at client level and take mitigation actions effective and timely manner.
• Maintain a health risk assessment and mitigation culture individually and as a team.
• Proactively work with Risk Framework Owners to mitigate relevant risks.

Governance

• Diligently abide all relevant processes.
• Lapses/gaps to be identified and escalated to appropriate senior management for resolution/mitigation.

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.

Skills and Experience

Key stakeholders

• Retail Risk Operations
• Credit Risk Management
• Branch Operations
• Client Management/Integrated Middle Office
• Account Services
• Trade Operations
• Cash Management Operations
• Product and Segments
• CDD Operations
• CFCC
• Retail Collections
• Client Service Group

Qualifications

• Bachelor's degree from a reputed university
• Minimum 3-4 years of relevant working experience in similar role 
• Language: English and Bangla
• Sales and Relationship Management     
• Business/Market Opportunity Assessment    
• Negotiations with stakeholders    
• Operational Risk Assessment    
• Data Analysis    
• Interpersonal Communication    
• Credit Risk Assessment    

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.