JOB SUMMARY

SME product P & L and B/s management covering business & income growth initiatives
•    Strategizing & implementation of business growth enablers, distribution strategy, geographical expansion 
•    Responsible for process, policy, approvals with country and group stakeholders and end to end execution of monitoring.
•    Tracking key product drivers and measurement metrics to drive product profitability
•    Driving cross -sell initiatives to deepen wallet share in line with overall business strategy 
•    Driving digitisation to improve turnaround time, client experience. 
•    Initiatives to measure and drive ROTE improvement, cost improvement 
•    Closely tracking delinquencies of the portfolio and taking necessary corrective steps in collaboration with Policy and Risk
•    Identification and execution of partnership/ co-orgination deals for portfolio growth 
RESPONSIBILITIES

Strategy
•    Strategic initiatives  to improve ROTE 
•    Strengthening Governance Framework

Business
•    Driving enablers 

Processes
•    Driving Process improvement initiatives to make SME unit fit for growth and audit ready at all times 

People & Talent
•    Effective Collaboration with frontline and support functions

Risk Management
•    Embed risk awareness in day to day functioning

Governance
•    Robust controls to spot red flags on time in processes and policies

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

Key Stakeholders

•    Finance
•    Frontline
•    Credit Initiation/Approvers
•    Credit Operations
•    Collections
•    Support function
•    BRM/ Compliance/ Legal

Qualifications
•    Education - PG with 7-10 plus years’ experience in banking. Experience in SME preferred

Role Specific Technical Competencies
•    SME product knowledge

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.