Job Summary

We are seeking a dedicated professional to enhance customer satisfaction through quality support and high-level service. This role involves managing clearing, loan repayment, reconciliation processes, and ensuring compliance with regulatory requirements. The ideal candidate will contribute to the bank's profitability and maintain excellent service standards.

Key Responsibilities

Key responsibilities include operational risk control, fraud prevention, efficient cost management, and oversight of high-value transactions and account reconciliations.

Summary of primary responsibilities is provided below:

• Ensure timely and accurate data entry for both Hub (Global Business Services) and Country postings
• Manage and achieve all defined and agreed service quality measures in all outsourced/migrated services
• Ensure compliance to credit policy guidelines
• Processing oversight of Direct Receipt Entries, Capital Reduction, Refunds, Early settlements
• Processing oversight of Credit Cards Repayment and Reconciliations
• Processing oversight of Overdraft processing and Reconciliations
• Processing, investigating and oversight of all suspense accounts and their reconciliations under Servicing & Transacting i.e. Visa, National Financial Switch (NFS) , Mobile Money, Clearing, Lending operations, Disbursement accounts, Insurance accounts, Agency Banking etc.
• Processing and monitoring of Cardless withdraws.
• Having oversight on all Transaction Processing versus General Ledger reconciliations and resolving breaks arising.
• To investigate and attend to queries pertaining to customer accounts
• To ensure work and in coming cheques conform to money laundering regulations
• Ensure risks identified are resolved in an appropriate and timely manner
• Ensure adherence to the Group and local Departmental Operating Instruction and process notes in the processing of all activities

Qualification,Skills and Experience

• Minimum 5 olevel credits or better including mathematics and english
• Relevant University degre
• Zambia Qualifications Authority ( ZAQA) verification certificates for all qualifications 
• Min 3 years relevant experience in lending operations
• Cheque clearing experince
• Electronic payment platforms e. ewallets, mobile money
• Account Reconcilations -  Reconciliations, Loan Repayments Processing, Debit & Credit Cards Reconciliation and Query Management, Cheque Clearing processing, ATM/POS reconciliations and Mobile Banking Operations
  Languages    
• Investigation of open account items
• Knowledge of banking systems

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.