Key Responsibilities

Strategy

• Meet the business objectives of country WRB.
• Customer focused need-based selling of banking products.
• Deepen customer relationship and maximize penetration.
• Establish a strong/beneficial relationship with external business partners.

Business

• Achieve Mortgage sales and non-sales KPIs.
• Onboard New-to-Bank clients and provide cross-selling of Asset, Liability and Wealth Products based on their financial needs.
• Assist in implementing promotions and below-the-line activities, in conjunction with the business plan, for acquiring new affluent customers.
• Derive insights from competitor sales activities and effectively counter the efforts.
• Deepen business partners relationship e.g. Mortgage Broker, Developers and other external stakeholders.

Business Development

• Work closely with all business partners such as developers, government registration officers, Real estate brokers, Mortgage brokers.
• Work with product team to deliver feedback on market conditions and strategic campaigns.
• Work with external stakeholders to keep them informed of mortgage product updates.

Processes

• Maintain compliance with all internal policy and procedures and external regulations.
• Implement Operational Risk monitoring as an integral part of the business process. To achieve this, effectively manage the assigned role under Compliance Risk Management and Operational Risk Management.
• Ensure the quality of processed applications as per bank guidelines/requirement to reduce rework.

People & Talent 

• Create a transparent and collaborative culture that manages the quality of applications by coordinating between frontline and back office.
• Ensure that bank hierarchy and standard protocols of escalation are followed.

Risk Management

• Conduct CDD, MLP & TCF diligently.
• Zero tolerance on fraud and mis-selling.
• Provide assistance during reviews, e.g. Group Internal Audit, Shariah Reviews, Regulatory reviews, etc.
• Attend assigned training programs to acquire knowledge and apply it to the job function accordingly. Also acquire requisite Banking.
• Adhere to all relevant policies, guidelines and procedures. Comply with local regulatory requirements.
• Comply with all appropriate money laundering prevention procedures and, particularly, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.

Governance 

• Promote an environment where compliance with internal control functions and the external regulatory framework is a crucial aspect of the business.
• Keep trackers of crucial activities and be able to report the same accurately when needed.

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.
• Support UAE Mortgage team to achieve the objectives set out in the Bank's Conduct Principles fair outcome to clients.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Business Support functions
• Business management.
• External business partners in mortgage sector.

Skills and Experience

• Asset and Liability Management (ALM)    
• Client Relationship Management    
• Digital Transformation    
• Financial Risk Management    
• Planning: Tactical, Strategic    
• Risk Management    
• Regulatory Environment - Financial Services    

Qualifications

• Bachelor’s degree.
• Experience in Sales.
• Banking, Sales and Business Development experience are essential.
• Accurate track record in delivering sales objectives.
• Ability to work in and coordinate tasks across functions and multiple products.
• Influencing and persuading skills.
• Excellent presentation and networking skills.

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.