JOB SUMMARY

• Source affluent NTB Global Indian clients for SCB India & UAE through various sourcing channels including self-sourcing.

RESPONSIBILITIES

• Source affluent NTB Global Indian clients for SCB India & UAE through various sourcing channels including self-sourcing.
• Engage with Global Indian Affluent Clients through referrals from existing clients to acquire for multi jurisdiction.

Strategy

• Tele- calling on the given client base to cross-sell Global Indian proposition.  
• Conversion on Digital Leads as and when assigned on monthly basis.
• Acquiring and Qualifying NTB clients to bank’s Affluent segment with defined thresholds for both SCB India & UAE through various sourcing channels including self-sourcing

Business

• Source affluent NTB Global Indian clients for SCB India & UAE through various sourcing channels including self-sourcing.
• Engage with Global Indian Affluent Clients through referrals from existing clients to acquire for multi jurisdiction.
• Tele- calling on the given client base to cross-sell Global Indian proposition.  
• Conversion on Digital Leads as and when assigned on monthly basis.
• Acquiring and Qualifying NTB clients to bank’s Affluent segment with defined thresholds for both SCB India & UAE through various sourcing channels including self-sourcing
• Ensure bank charges / terms and conditions are clearly communicated to all NTB clients at the time of sourcing.
• Activate NTB clients, set up and guide clients on remote channel usage i.e., Online Banking, Mobile Banking, Debit Card Activation through Client Centre.
• Engaging with tagged RMs to deepen client relationships through effective client engagement. (Introductory emails, regular follow up with India RMs to assist the client on their banking needs). 

• Provide professional client service to achieve a high percentage of client satisfaction and retention. Serve as the one-point contact to the High Net Worth clients of the Bank.
• Meet the client in person and understand the client needs.
• Acquire clients through anchor products (Accounts and Deposits)
• Generate new business to achieve defined targets in terms of no. of clients, FUM and revenue for the segment.
• Follow Daily Sales Plan and Contact Ratios to acquire prospective clients through referrals.
• Maintain complete and detailed knowledge of all the assigned products.
• Coordinate client events for the unit along with the product team.
• Maintain accurate and up to date activity records in daily sales log & update lead status on CEMS.

​​​​​​​Processes

• Timely dispatch of all original documents including AOFs and Service request forms to SCB India post processing of the request within the agreed timelines (within 10 days of account activation or service request completion ) as well as purging of all client related data post account opening.
• Ensure adherence to the compliance guidelines of both SCB UAE & SCB India. No cold calling to prospective clients and to ensure there is a signed client consent taken from all prospective SCB India clients who are interested in opening accounts with SCB India.
• Ensure account opening TAT is adhered to. (Ideal TAT is 3 days for paper journey and 1 day for RWB)
• Ensure error free application and documentation. All documents provided by the client for completion of the account opening or customer instruction/service forms should be duly checked prior to submission.
• Ensure status of all leads /referrals received pertaining to SCB UAE ETB clients for opening NRI accounts with SCB India are updated on CEMS on a timely basis.
• Ensure that the sales process prescribed by the bank is fully adhered to.
• To ensure that no client application is misplaced and all AOFs and client documentation is kept in safe custody inside the CHUBB. 
• As a Chubb custodian or depository (non chubb custodian) ensure all the client documents & forms collected during account opening process or service request completion are kept safe inside the Chubb at all times and entry and exit of documents are recorded in the Chubb register in presence of both Chubb custodian . 
• Ensure client compliant or service request received are well maintained in the service register along with capturing collection date of documents & dispatch date with courier AWB no . Maintain and seek confirmation of all client service request is well received by India tagged RM/SM.
• Liaise with dedicated service team/India Ops on all customer service requirements and ensure that all individual client queries are dealt with promptly. 

Risk Management

• Ensure compliance with the bank policies on an ongoing basis and report any suspicious transaction immediately to the supervising officer.
• Ensure adherence to the overall risk management framework of the bank including operational risk and sale governance framework.
• Ensure knowledge of all policies and procedures in relation to AML/CDD guidelines.
• Ensure “Customer Due Diligence” requirements as prescribed by the bank are duly adhered to.  

Governance 

• Ensure adherence to the compliance guidelines of both SCB UAE & SCB India. No cold calling to prospective clients and to ensure there is a signed client consent taken from all prospective SCB India clients who are interested in opening accounts with SCB India.
• Take personal responsibility to embed the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines, and the Group Code of Conduct.
• Ensure full awareness of bank guidelines and Operational Risk /Governance policies related to Mis-selling etc & comply the same.
• Effectively and collaboratively identify, escalate, mitigate and resolve overall operational risk, conduct and compliance matters.
• Ensure Compliance with Minimum Control Standards on Customer Data Confidentiality
• Completion of all mandatory risk and compliance training including e-learning within stated timeframes.
• Proactive identification of risks and concerns including escalation to all relevant stakeholders.
• Ensure strict adherence to all group standards of AML/CDD guidelines, Compliance procedures and Processes. All 
• the legal, operational and compliance guidelines provided by the bank are adhered to.

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 the [Global Indian Acquisition team] to achieve the outcomes set out in the Bank’s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• Priority Banking Team, SCB UAE
• NRI Unit, SCB UAE
• NR Segment Team, SCB India
• NRI Client Service Manager, SCB India
• NRI RM, SCB India
• Operational Risk Team, SCB UAE
• Client Onboarding Team, SCB India
• Sky Team- SCB India
• SBIM Team India & UAE

Other Responsibilities

• Perform other responsibilities as assigned under Group, Country, Business or Functional policies and procedures.

Qualification

• University Graduate.
• Relevant experience in sales and relationship management.
• Previous experience of Deposits / Liability in UAE & India market.
• Previous Direct Sales experiences in UAE & India market
• Demonstrated ability in sales planning.
• Strong communication and negotiation skills with the ability to influence outcomes.
• Networking ability to manage interdepartmental deliverables.
• Strong inter-personal skills and leadership ability, which encourages and promotes enthusiasm and team spirit.
• Good understanding of the business environment in UAE preferably with direct contacts with the local HNI community.
• Computer literacy at the user level.
• Adapting to multi-cultural environment.
• In-depth knowledge of capital markets and financial planning.

Role Specific Technical Competencies

• Manage Conduct 
• Manage Risk
• Manage People
• Spot Opportunities
• Solve Problems
• Take the Lead
• Build Resilience
   

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.