Job Summary

• Holds relevant product knowledge on LAP and Term Loans
• Executes products policies and process
• Develop and introduce new products to increase overall business profitability
• Good knowledge of the selected market and customer segments would be an advantage
• Strong communication and negotiation skills with the ability to influence outcomes

Strategy
•    Develop and execute the Product strategy 
•    Identifying key opportunities and market segments for expansion
•    Analyse market trends, customer needs, and competitor activity
•    Increase Wallet-share and Drive cross-sell

Business
•    Lead the sales team to achieve new business volume, revenue and profit targets, managing the complete sales cycle from lead generation to loan closure
•    Ensure a robust pipeline of high-quality leads and prospects, leveraging existing customer relationships and new business channels
•    Monitor and report on sales performance

Processes
•    Drive cross-functional collaboration 
•    Implement best practices in sales pipeline management and customer onboarding to increase conversion rates and minimize delays
•    Develop and monitor key performance indicators (KPIs) to evaluate the effectiveness of sales processes and ensure continuous improvement

Risk Management
•    Ensure that the processes are adhered to, mitigating the risk of bad debts, fraud, and defaults 
•    Monitor and analyze risk metrics and take proactive steps to address any emerging risks.

Governance
•    Uphold the highest standards of governance, ensuring transparency, fairness, and accountability in all dealings
•    Implement any corrective actions to address governance-related findings

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.
•    Support SBL Business across regions 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.

Key stakeholders
LAP Frontline Team

Risk and Credit team

Compliance and Legal

Lending Operations

Other Responsibilities
Embed Here for good and Group’s brand and values in XXXX [country / business unit / team]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions 

Skills and Experience

Business Product and Process

KYC & Documentation
Business – Market Knowledge
Regulatory Guidelines and Compliance

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.