Job Summary

•    To continue accelerate Greater Bay Area (GBA) strategy and better integrate our SME and Affluent propositions to capture the Global Chinese client opportunity.
•    To champion SME network propositions to support Chinese companies to expand beyond borders.  
•    In line with the commitment to serve SME segment by supporting their high-quality development needs, SME department will continue to extend the coverage of financial services, uplift comprehensive financial service capabilities for SMEs, as well as provide one-bank financial solution to support SMEs’ whole life cycle growth (from start-up to cross-border expansion).

Key Responsibilities

Strategy
•    Lead the development of a SME business strategy for GBA ensuring alignment with broader Group strategic priorities.
•    Implement the agreed strategy, review competitive position, ensure adequate capacity and minimise risks.
•    In line with the overall Global Chinese strategy, design SME's cross-market execution plan and drive the delivery by collaborating with Group and market stakeholders.

Business
•    Lead and drive the business agenda in the GBA and strengthen the cross-boundary cooperation and alignment of various businesses, by working closely with HK & CN, business and product heads to maximise and protect franchise value and resolve issues.
•    Establish our brand and reputation as the go-to bank for global financial solutions in the cluster, pioneering borderless client experience and connectivity across GBA cluster and beyond. 
•    Support the growth of our SME network and Chinese Wealth business, leveraging SC’s mature global model, the power of strategic alliances, ecosystem play and digital led distribution capabilities. 
•    Build GBA thought leadership via subject matter industry leadership (subject matter expert op-ed’s, media engagement/interviews, etc), GBA Business Confidence Index (jointly with Hong Kong Trade Development Council), GBA annual consumer/corporate surveys and research papers (collaboration with credible external parties), proprietary GBA events and active participation in GBA senior forums.
•    Stay very close to the progressive regulatory opening in GBA that likely to influence business and take proactive steps to drive/ lobby / capture the business opportunities. 
•    Oversee and review financial performance of the business against budget and forecasts and identify action plans. 
•    Be the senior sponsor, act as face and voice for GBA and liaise closely with regulatory bodies, industry groups and think tanks to drive the strategic positioning of SCB in GBA
•    Grow the cross-border referrals and client base of Global Chinese business in SME, drive the AUM and revenue growth with cost and risk properly controlled.

Processes
•    Ensure all processes across GBA are followed in line with approved policy and procedures.
•    Oversight on execution of processes, governance and controls.
•    Streamline client journey and internal processes to facilitate the onboarding and penetration of Global Chinese clients across markets
•    Work with Global Chinese central team and Affluent to achieve synergy with an integrated proposition.

People & Talent
•    Perform professionally as a team player to lead, co-work, or support in all SME Banking related initiatives. 
•    Enhance & multiply the quality & depth of direct reports in SME Banking family. 
•    Drive performance through clear objectives via scorecards, KPIs. 
•    Identify current and future employee development needs (skills, training, behaviour, coaching, and career path)
•    Identify and recruit new staff based on the staff planning with supports from local HR and HR business partner.
Risk Management
•    Ensure effective and efficient operations without sacrifice on control and service quality. Continually look at opportunities for process improvements.
•    Work effectively across SCB, using values behaviours to drive sustainable business growth.
•    Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct

Compliance & Control
•    Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff.
•    Contribute towards achieving and maintaining satisfactory audit rating.
•    Contribute towards ensuring that the value stream is fit for growth and have effective controls framework.
•    Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.”
•    Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
•    Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency.
•    Accountable for implementing and complying with AML CDD/Sanction requirements when performing duties: 
•    Ensure timely escalation of suspected or known transactions which are in breach of Group policy and procedures or local regulatory requirements.
•    Full compliance with AML CDD/Sanction related policy and procedures of Group, Country and local regulatory when performing BAU tasks.  
•    To comply with all compliance requirements with high alertness to MLP procedures and take the lead at all times to be alert to unusual or possibly suspicious customer activity and must report/escalate up on any suspicious transaction. 

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.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles. Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment

Key stakeholders
•    Head of WRB, China
•    Head of Affluent, China
•    Head, Digital Banking, Partnerships & Client Experience 
•    Head of Analytics & Performance Management
•    Head of Wealth Solution, China
•    Head GBA, China
•    Head, Country Conduct, WRB BRM &In Business Control
•    Head, SME Banking, Hong Kong
•    Regional General Manager, North China
•    Regional General Manager, East China
•    Regional General Manager, South China
•    Regional General Manager, West China
•    Global Head, SME Banking
•    Global Head, Products and Portfolio Clients
•    Global Head, Transaction and Cash Products

Other Responsibilities
•    Embed Here for good and the Group’s brand and values in the region/country.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.  
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review.
•    Understand, acknowledge, and comply with the requirements as set by all applicable regulators.
•    Ensure to perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.
•    Ensure to timely handling the various regulatory requirements under appropriate permission, e.g. report, survey, consulting paper, research paper, inspection, regulator queries regarding regulatory submission (if any), etc. 
•    Properly perform the duties on management and ensure the effectiveness of internal control. 
•    Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership.
•    Be responsible for significant losses due to failure of effectiveness of internal control.  

Skills and Experience

•    Demonstrable and relevant experience in the banking industry commensurate with this remit and level of responsibility, including several years of successful business practice in SME Banking related roles/ functions.
•    Proven capabilities in growing businesses and developing franchise.
•    Proven risk management capabilities
•    Firm in al business guidelines and compliance issues.
•    Good understanding of relevant banking products and services
•    Strong people management, communication, and engagement skills
•    In-depth understanding of key business drivers in country with sound understanding of the country's legal, political and economic situation/framework
•    Endurance, personal perseverance, strong self-motivation, entrepreneurial, problem-solving skills with flexibility team player
•    Convincing social skills with in-depth network into relevant target market 

Role Specific Technical Competencies

•    Customer/Market focus
•    Understanding Customer Needs 
•    Relationship Management
•    Knowledge of Sales Channels
•    Budget Management  

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.