Job Summary

SCB India is hiring a Relationship Manager to nurture and expand an existing portfolio of SME clients (turnover < ₹800 crore) within the Medium Enterprises segment in the Business Banking division. Leverage our global network to deliver specialized solutions like working capital facilities, term loans, and cross-border financing, driving client retention, portfolio profitability, and sustainable growth

Key Responsibilities

• Manage a dedicated portfolio of 25-30 SME clients across key sectors (e.g., manufacturing, trading, exports), conducting bi-annual business reviews and on-site assessment while adding 4-5 new relationships every year

• Deepen relationships by structuring and executing products such as working capital (cash credit, trade loans, supply chain finance), term loans for expansion, and cross-border solutions (export finance, LCs, forex, remittances via SCB’s global corridors).

• Proactively monitor portfolio risks using early warning systems, ensuring no slippage to NPA through timely renewals, restructurings, and leveraging SCB’s trade finance expertise.

• Achieve KPIs including 20% YoY portfolio AUM growth, cross-sell ratios >30%, and fee income from trade services.

• Drive digital adoption (e.g., Straight2Bank, API integrations) and ensure 100% compliance with KYC/AML, ESG norms, and internal SCB policies

Qualifications and Experience

• MBA/PGDM in Finance or Bachelor’s + CA/ICWA; certifications in trade finance (e.g., CDCS) will be an added advantage

• 7-10 years in SME/GB banking, with at least 5 years managing existing portfolios in private/international banks.

• Demonstrated success in handling ₹100 to 800 crore SME clients with cross-border exposure.

Skills and Experience

• Expertise in trade finance, forex hedging, and supply chain solutions

• Advanced financial and credit analysis skills and risk management.

• Outstanding stakeholder management for SME entrepreneurs and internal global teams.

• Strong English/Hindi communication.

• Knowledge of Indian export-import dynamics, UDYAM registration, and SCB’s sustainability framework.

Skills and Experience

•    Financial Analysis
•    Relationship Management
•    Portfolio management skills

Qualifications

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.