Job Summary

Join Standard Chartered as an Associate in Affluent Client Segments, contributing significantly to the design and execution of the Affluent Client Value Proposition (CVP). In this pivotal role, you will assist in shaping strategic operational plans, programs, and procedures aimed at expanding our Affluent portfolio and enhancing client experiences. This position demands a proactive engagement with both strategy and business dynamics to drive sustained growth and optimize portfolio performance.

Strategic Focus:

• Support the growth of the affluent client base through robust acquisition campaigns tailored for clients and staff.
• Contribute to the development and advancement of Premium Banking as a crucial feeder into Priority Banking for potential clients.
• Manage balance sheet components effectively to maximize returns, while ensuring compliance across Operations, Compliance, and Service Delivery functions.
• Oversee regulatory reporting, internal management information systems, and interest rate management to align with the bank's financial objectives.

Business Operations:

• Implement acquisition programs by leveraging global toolkits and localized strategies that resonate with the target market.
• Deliver value-added products and services that meet or exceed the expectations of existing and prospective retail clients.
• Collaborate closely with the Marketing team to strengthen Standard Chartered's market positioning and brand presence.
• Activate diverse lead sources such as digital channels, marketing campaigns, member-get-member initiatives, and strategic alliances to achieve business targets.
• Develop localized market offers, comprehensive pitch-books, and targeted campaign scripts to support frontline engagement.
• Provide insights for creating innovative product and service bundles that enhance client deepening and cross-segment selling opportunities.
• Drive expansion in market share via growth in debit card spending and liability balances.
• Accountable for product management decisions including marketing collateral deployment and above-the-line (ATL) and below-the-line (BTL) promotional activities.
• Identify and present creative product solutions, pricing strategies, and cost management plans to optimize profitability.

This role offers an excellent platform to blend strategic thinking with business acumen in a dynamic and inclusive banking environment.

Key Responsibilities

Key Responsibilities

• Enhance market research processes and increase customer satisfaction through targeted insights and feedback analysis.
• Assist in the preparation and rollout of personalized marketing campaigns, including win-back strategies and product-focused promotions.
• Support Relationship Managers (RMs) by enhancing their capabilities to engage clients effectively, leveraging data analytics to identify new revenue opportunities and improve wallet share.
• Employ an agile methodology by continuously gathering frontline and client feedback to refine and optimize program implementation.
• Lead initiatives aimed at service improvement and elevate overall customer experience.
• Identify and analyse business and operational requirements aligned with strategic objectives.

Risk Management

• Ensure rigorous management of operational risks within the function, maintaining adherence to internal policies and external legal regulations.
• Implement and maintain effective systems and controls in line with Group and Business Policies, including Risk, Compliance, Technology, Operations, Finance, and Reputation safeguards.
• Develop and monitor processes for risk identification, management, monitoring, and reporting to uphold organizational integrity.
• Maintain systems safeguarding the security, confidentiality, and integrity of client and business information.
• Oversee portfolio operations to ensure compliance with bank operational risk parameters, including product audits and regulatory adherence.
• Interpret Group financial information competently to identify key operational issues and implement appropriate controls and mitigation measures.

Qualifications

Relevant qualifications that support a strong foundation for this role include:

• Bachelor's degree in Business, Finance, Marketing, Economics, or a related discipline from an accredited institution.
• Professional certifications related to banking, wealth management, or financial services are advantageous (e.g., CFA, CFP).
• Continuous professional development through workshops, seminars, or online courses focused on client relationship management, risk compliance, or product innovation.

About Standard Chartered

At Standard Chartered, we are a truly global bank with a heritage spanning over 170 years. We combine agility with scale to make a meaningful difference for our clients, communities, and colleagues. We embrace the spirit of innovation and a challenge-ready mindset, driving continuous improvements that create value for all stakeholders.

Our commitment to diversity and inclusion is at the core of our culture. We celebrate different perspectives and foster an environment where everyone feels respected, valued, and empowered to bring their authentic selves to work.

We live by three guiding principles:

• Do the right thing: Uphold integrity and ethical standards, challenging ourselves and others, with a client-centric approach.
• Never settle: Pursue excellence through innovation and learning, keeping processes simple and effective.
• Are better together: Promote inclusivity, collaboration, and mutual respect to build sustainable success.

Joining Standard Chartered means being part of a responsible organisation committed to positive societal impact and long-term prosperity.

What we offer

We offer a comprehensive and competitive package designed to support your wellbeing and personal development.

• Fair Pay Charter: Competitive salary aligned with industry standards and local market conditions.
• Robust Benefits: Core bank funding for retirement plans, medical coverage, life insurance, and access to voluntary flexible benefits tailored to your needs.
• Generous Time-Off: Includes annual leave, parental and maternity leave (up to 20 weeks), sabbaticals of up to 12 months, and volunteering leave to encourage community engagement. The minimum combined total of annual and public holidays is 30 days.
• Flexible Working: Options accommodating home and office arrangements with adaptable patterns to support work-life balance.
• Wellbeing Support: Access to Unmind, a leading digital wellbeing platform, alongside resilience-building courses, employee assistance programmes, mental health first aiders, and self-help toolkits.
• Continuous Learning: Opportunities for reskilling and upskilling via physical, virtual, and digital programs nurturing your career growth.
• Inclusive Culture: Be part of an organisation that values diversity across teams and geographies, ensuring that everyone has the opportunity to thrive and realise their full potential.