Job Summary

•    Driving business targets of the SME Banking segment. Keep abreast with SME Banking market developments to achieve better customer service and sharpened sales focus.
•    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

•    Ensure customer portfolio are well managed to deliver business performance and achieve targets. For the scenarios that will trigger Performance Improvement Plan (PIP), please refer to the SME Banking Sales Productivity Management Mechanism and the local performance/productivity requirements setup by regional/city management per region/city business strategies.
•    Maintain close relationship with SME Banking customers in providing solution-based initiatives to meet their needs.
•    Assist CPMS product sales to provide relevant service (including. FX forward, Structured Deposit and other etc.) to SME clients based on their needs. 
•    Build and expand existing customer relationship through in-depth analysis of their needs.
•    Priorities activities to maximize revenue contribution from the high potential customers.
•    Acquire new business via outselling of existing/new SME Banking products to SMEs, and cross-sell other RC products.
•    Interview credit application, collect and analyze financial and related data to determine the general creditworthiness of the prospect and merits of the special loan request, establish and negotiate terms under which credit proposal and application for approval.
•    Manage and out serve existing allocated portfolio of SME Banking customers and achieved the assigned revenue target via providing of total banking solutions.
•    Responsible for identifying the business monitoring and testing and reporting findings, exceptions and results from such monitoring/testing activities.
•    To monitor and ensure strict execution of KYC policy within the SME Banking.
•    To constantly operate within the compliance’s guidelines set by group standard and/or local regulations.
•    Constantly stay in touch with SME market to understand the latest development in the SME market in term of products and/or services, to suggest and help the SME Banking management in implementation of new product and/or services of SME Banking China.
•    From time to time, to complete ad hoc tasks assigned by the line manager, deemed appropriate and necessary for the smooth functioning of the department.

Other Responsibility

•    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. 

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.