Job Summary

• The Relationship Manager is responsible to fully support bank initiatives across the Fintech / Paytech client portfolio in collaboration with various stakeholders in the bank and within the global strategy set by the Global Head of Financial lnstitutions. The RM is responsible for assisting the Cluster BBD Head and the senior Fintech RM in setting the strategy for the Fintech client portfolio in Banks and Broker Dealers across MENAP, accountable for the overall client revenues, profitability and risk associated with the products and services offered to the clients.
• As the first line of defense for the bank's risk management, the RM is responsible for the assessment and mitigation of financial crime and credit risks identified by the periodic reviews of the clients as well as ongoing monitoring of the clients' activities as set by the Global Bank Underwriting Standards and Correspondent Banking Risk Appetite.
• The RM is accountable for the development and execution of local strategies in-collaboration with the GAM's Account Plan.
• Act as the internal champion locally for knowledge transfer to the Fl GAMs to drive inbound Fintech business. 

Key Responsibilities

Strategy

• Develop and implement the client strategy for the Fintech portfolio which aligns with the established framework (account plan, Fl priorities, valued behaviour) of the Bank and Global Fl.

(i.)    Accountability for delivering financial performance (revenues, costs, RoRWA, etc)
(ii.)    Accountability for all other objectives set by the management, specifically on compliance (AML, CDD) and credit risk management.

• Identify client needs and buying centers leveraging Standard Chartered Bank's full set of product capabilities; originate new business and grow the franchise with our network advantage
• Critically review clients and prospects based on their alignment to SCB standards around risk tolerance, fit with footprint, business potential, values and market perception to ensure we are banking with the right clients. Provide inputs on the objectives and performance of the clients covered to GAMs and product partners.

Business

• Lead the origination and relationship management of the Fintech client portfolio, including setting overall business strategy and account plan within the directive of the respective business heads and aligned with SCB priorities, and Global Fl priority specifically.
• Drive and support collaboration with GAMs, client managers, product partners and risk team to deliver the client strategy and meet the budget through consistent sales discipline and execution. Create long term value for the bank with strong RORWA focus and try to maximize returns within risk appetite set.
  • Provide well-designed solutions from our full range of products and services to clients
  • Fulfill the cross-sell commitments made in the Account Planning and deal approval processes to improve overall client profitability
  • Deepen and broaden client relationship in line with our risk appetite through the diversification of products and services for clients, focusing on those delivering non-funded revenue ("NFR")
• Demonstrate good understanding of the clients' strategy, business activities, banking needs and the markets in which they operate. Leverage existing relationship established by the GAM/ seniors with the clients' high level (C suite) executives and actively engage with them.
• Takes personal responsibility to provide support, advice and help to improve efficiency and service quality to the clients. Highlight successes and escalate issues early to relevant seniors.
• Actively align with line manager on career development, consciously develop risk awareness and maintain the risk-return discipline and adhere to the bank's global standards in diversification and inclusion. Improve skill set through on the job learning and comprehensive training programs.
• Comply to the bank policies, procedures and relevant banking regulations. Effectively support the governance and controls established to maintain a high standard of compliance. Maintain a good working relationship with Credit, Legal and Compliance as the key stakeholders.

Key stakeholders

Internal:   

• Engage with GAMs and product partners within the region and globally to ensure breadth and depth of client coverage 
• Engage with Client Managers on relevant client account management activities
• Engage with Risk and Legal & Compliance to ensure the portfolio remains credit worthy and within the policies of the bank
• Engage with seniors for their help to maintain good relationship with clients’ decision makers

External:

• Engage with the key contacts and seniors clients in the region
• Engage with the peers in the FI banking business for syndications, club loan and trade asset management
• Engage with the regulators for relevant business development for clients

Skills and Experience

• Manage Conduct
• Risk Management and Internal Controls 
• Strategy and Business Model 
• Market Knowledge 
• Products and Processes
•  Business Partnering
• Process Management
• Relationship Management
• Knowledge of Paytechs - Crypto/ Digital Assets 
   

Qualifications

• Bachelor’s degree in Banking or Finance preferred
• Ideally experience in banking or another relevant environment
• Correspondent banking learning's; ICA or ACAMS certification to be obtained
• Languages: English
• Knowledge of Paytechs - Crypto and Digital Assets 
• Product Knowledge 

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.