Job Summary

•    Ensure accurate posting of transactions in Miles/ Mfunds/ Indus within self-allotted authorities and for over limit after obtaining the necessary approvals with appropriate vouchers signed off.
•    Ensure error free processing for all application, Account opening process assigned to your job role and avoid any operational loss.
•    Ensure processing & adherence to internal/external policies while reviewing/verifying documents pertaining to Loans, Account Opening and Disbursal related processes.
•    Adherence to the RBI/Regulatory guidelines.
•    Ensure proper updating of all registers/system updating on a daily basis as applicable.
•    Maintain and provide data correctly and promptly to the concerned.
•    Record Archival as per laid down process/timelines 

Key Responsibilities

•    Number, accuracy and speed of transactions processed within guidelines/ standards
•    Meeting individual service targets 
•    Error rates, especially those leading to operational losses Throughput vs  own capacity
•    Ideas that lead to process improvements (cost, time, service improvement)
•    Turnaround time on resolution

Strategy
•    Identifies and shares best practices with Head - Operation with a view to implementing standardized, simplified and automated processes – capturing data once, addressing cause not effect, minimizing non value-added and duplicated activities, reducing TAT, maximizing paperless processing & deskilling of activities in the area of sanction and disbursal file processing 

Business
•    Managing and processing of Loan against Security and other lending products in the area of pre sanction, post sanction and disbursal processing

Processes
•    Pre sanction and disbursal processing of LAS and CIB 

People & Talent
•    Coordinate and get faster resolution internal stakeholders, and external stake holders. 
•    Lead through example and build the appropriate culture and values.  
•    Set appropriate tone and work in collaboration with External Partners and Internal stakeholders
•    Should be proficient  in MS excel, PPT.

Risk Management
•    Ensures a no surprises culture – no failed audits 
•    Manages the maintenance of operational integrity throughout the unit 
•    Understands market practices, awareness of local regulations, group and business policies, business standard procedures and best practices 
•    Establishes a performance culture around Risk Management using root cause analysis and corrective action planning as key elements of operational risk management 
•    Proactively identifies, assesses and mitigates risk issues 
•    Timely substantiation of all accounts and reporting to finance 
•    Timely escalation of all incidents to appropriate authorities as per reporting framework

Governance
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. 
•    Ensure all process notes and policies are adhered. 

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 Standard Chartered Capital Ltd to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.  
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Should be aware of Treasury Operations, Regulatory reporting.

Key stakeholders
•    Business, Product and Credit Underwriting team

Other Responsibilities
•    Embed Here for good and Group’s brand and values in Standard Chartered India; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Skills and Experience

•    Experience in managing Branches for their needs & Compliance
•    PO creation & Invoice Processing
•    Knowledge of various Statutes
•    MS-office, word, Power soft, Power BI
•    Problem Solving
•    Planning & Coordination

Qualifications

•    A Commerce graduate/ MBA with minimum 5 years of experience
•    Preferred experience in Operations section of the bank / Financial Institution

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.