Job Summary

Provide leadership and coordination of the SME Relationship team, work closely with Relationship team to Acquire and onboard new clients referred from Existing to Bank (ETB) clients directly to Business Clients RM/Team, deepen and grow client wallet share by proactively reaching out to & engaging with high value SME Clients & “Hidden larger Businesses” as per the mandated protocols by ensuring exceptional service delivery to customers that matches the Bank’s brand promise of being ‘The Right Partner’. Provide leadership around risk management, both reputational and operational and ensure adherence to the Risk Management Framework, Group Code of Conduct and various Policies, Procedures and Guidelines of the Bank by the SME, Relationship team.

Key Responsibilities

Strategy
•    Drive Balance Sheet Growth.
•    Drive Wealth Business, Acquire, Retain and Grow revenue.
•    Drive Acquisition of High-Net-Worth SME clients.
•    Drive and Grow number of wealth clients.
•    Drive digital utilization within the portfolio.
•    Drive team productivity and ensure coaching and performance review sessions are in place.
•    Driver a culture of exceptional client experience.
•    Manage Risk tightly.

Business
•    Provide leadership and coordination of the SME Relationship team.
•    Market, sell and acquire SME products through pro-active and consultative approach and detailed understanding of Customers’ business(es) and internal offerings to deliver Segment Growth objective- deliver revenue, Balance sheet, Operating Profit and ROTE at portfolio level.
•    Grow share of Clients portfolio size by deepening existing Clients’ relationships.
•    May be requested to co-ordinate Country or Regional initiatives within SME team.
•    Provide feedback to Senior Management, Marketing and Product management on customers’ needs and the efficiency of marketing strategies and tactics. 

Processes
•    Work closely with Relationship team to deepen and grow client wallet share by proactively reaching out to & engaging with high value SME Clients & “Hidden larger Businesses” as per the mandated protocols.
•    Acquiring from ETB client referrals (Member Get Member) and Partnerships.
•    Onboarding clients on Business working capital (BWC) proposition.
•    Supporting the client on any client-initiated needs
•    Delivering on transactions, service requests, Mobile/Web training
•    Updating CDD/ AML
•    Managing Client’s credit situation

People & Talent 
•    Provide leadership and coordination of the SME Relationship Team.
•    Lead by example and build a culture of adhering to the bank’s values and code of conduct.
•    Ensure relationship Managers have the right skill set through continuous training and coaching.

Risk Management
•    Provide leadership around risk management, both reputational and operational.
•    Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to: -
•    Identifying your customer, knowing your customer, reporting suspicions, safeguarding records, and not disclosing suspicions to customers

Governance 
•    Ensure adherence to the Risk Management Framework, Group Code of Conduct and various Policies, Procedures and Guidelines of the Bank by the SME, Relationship team. 

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 Kenya Wealth and Retail Banking (WRB) SME Business  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
•    Head, Small Medium Enterprises.
•    Head, Client Relationships.
•    Trade Product / Sales Manager.
•    Head, Credit Analysis.
•    Credit & Risk team.
•    Client Deepening and Portfolio Strategy Manager
•    Portfolio Monitoring & Controls Manager
•    Branch Managers.
•    Client Experience team.
•    CFCC
•    Legal

External
•    Clients of SME Segment.

Other Responsibilities
•    Embed Here for good and Group’s brand and values in Kenya, Wealth and Retail Banking, SME Segment Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats). 

Skills and Experience

•    Knowledge of Product Line
•    Business Performance Management 
•    Business Case Justification
•    Problem Solving
•    Customer Behaviour and Preferences
•    Collaboration 

Qualifications

Training and Certifications:
•    Leadership and Management Trainings and Certifications.
•    Banking and Financials Trainings.
•    Risk Management and Compliance. 
•    Sales and Customer Relationship.
•    Digital and Technological Proficiency.

Product Broadening:
•    Understanding of businesses and financials.
•    Enhanced multi-product SME knowledge.
•    Market and competition knowledge.
•    Strong analytical ability
•    Understanding of Business Clients (BC) KYC/CDD principles 

Client engagement
•    Presentation and soft skills tailored to engaging business owners.
•    Internal stakeholder engagement skills.
•    Closing deals
•    Ability to drive and manage client interaction.
•    Communication and presentation skills.
•    Negotiation and objection handling.
•    Client training on digital solutions.

Journey completion
•    Discipline and time management to handle client portfolio through the team/ Team Management.
•    Ability to solve problems and close issues without handing over.
•    Strong analytical ability
•    Understanding of BC KYC/CDD principles 

Competencies

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers