JOB SUMMARY

The Structured Solutions Development team (SSD) is a team within the TB Trade and Working Capital, which is responsible for origination, negotiation and structuring of bespoke or Structured trade finance solutions to meet our client needs. This team drives Industry sector specialisation for Trade and Working capital and help SC retain and grow wallet share.
Consulting with client, industry thought leadership and specialist knowledge of solutions is the way the team members drive origination and then lead with structuring and negotiation of solutions. 
You are responsible for delivering the revenue budget for the assigned client sets by delivering bespoke or big ticket transactions. You will also contribute to thematising industry related needs and replicate solutions across clients within the industry (where relevant). 

RESPONSIBILITIES

Strategy
•    Contribute actively to the global SSD strategy and plan for successful execution of the strategy in the region.
•    Drive thematic Industry discussions with clients
•    Replicate relevant transactions within the industry and across industries
•    Create a uniform identity and experience for our clients in the industry and account for the regional nuances.

Business
Solutions Development & Delivery
•    Based on the broader understanding of industry and solution, identify opportunities or situations within an industry or client. Engage consultatively to create optionality and solutions for clients and convert them into successful deals which help solve for client need.
•    Provide inputs into the product managers on key requirements to be developed or deviations which are BAU and don’t need exception approvals

Financial Management – Product P/L Management
•    Deliver budget, through active management of:
•    Revenue (existing and new revenue streams)
•    No of deals executed / No of unique clients for which deals executed
•    No of proactive client pitches
•    Utilisation on deals approved
•    Replication of solutions across clients in the sector 
•    Returns (i.e. product profitability) [ROE / RORWA] at a deal or client level.

Risk Management
•    To be able to articulate to the client, risk and other relevant teams on how a proposed solutions meets client needs, enable it to be more efficient, enable it to grow and scale its business, mitigate its risks and how it helps in a wider investor participation for a financing where required. 
•    To be able to articulate to the client, risk and other relevant teams on how a proposed solutions meets client needs, enable it to be more efficient, enable it to grow and scale its business, mitigate its risks and how it helps in a wider investor participation for a financing where required.
•    Has comprehensive or wide knowledge of legal aspects linked to an instrument, debt, security in the relevant jurisdictions; local regulations and initiatives of local industry bodies to stay ahead of the regulatory change agenda and/or how it affects the solutions.
•    Takes the initiative regarding regulatory, reputational, and ethical matters by providing proactive advice to clients and sales teams
•    Ensures adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations
•    Ensure appropriate inputs are incorporated in  credit memo / Term sheet / Pre-Screening, etc 
•    Actively identify, escalate, mitigate and resolve risk and compliance matters for the region and delivery mechanisms relevant for the industry globally, in a timely manner

Governance 
•    Demonstrate accountability for all deal related risks for solutions executed for by ensuring the right governance standards are applied and provides guidance even when there is ambiguity 
•    Identifies and mitigates deal level operational, credit, regulatory, legal, fraud and risks in the processes via a business Conduct lens.
•    Ensures the relevant approvals (including compliance with relevant deal review guidelines) for a transaction or client engagement are sought and can be produced for an audit review at any point in time 
•    Takes the lead to ensure compliance, AML and FCC risk and applies appropriate risk mitigation processes

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.
•    Responsible to meet the outcomes set out in the Bank’s Conduct Principles
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
•    SSD Regional Leads / Global Industry lead, Relationship managers and TB sales teams and their country and regional heads, Trade/Cash Product Cluster Head, CCO/SCO Risk, Heads of Legal and CFCC

Ideal Candidate:
•    Have worked across multiple regions and with large clients in origination and/or relationship management capacity
•    Have led or delivered complex/bespoke transactions for at least [1-3] years with good experience and delivering complex solutions (including syndicated deals, big distributor finance and receivables programs and structured trade finance transactions) and demonstrate industry and transactional leadership skills.
•    Understands nuances of working with third party platforms/fintechs, structures and risks involved
•    Have worked on securitisation, receivables purchase and supplier finance transactions
•    Total years of experience 9+ years
•    Strong risk analysis skills
•    Articulation and brevity while knowing the details is a key

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

Qualifications

•    Core Credit and Risk Management Certification completed or to be completed within 12 months of joining the team.

Role Specific Technical Competencies
•    Consulting Proposals
•    Knowledge of Product Line
•    Legal Analysis
•    Financial Statement Analysis
•    Credit Analysis and Verification
•    International Trade
•    Industry knowledge
•    Structured trade and commodity Financing

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.