Key Responsibilities

Strategy

• Develop and execute on short term and long-term business strategy to build competitive advantage and gain retail business market share for NR.
• Deliver profitable income growth and be held accountable to achieve sustainable growth in this segment
• Enable new liability business growth through Strategic Initiatives and behaviour

Business

• Driving penetration of all liability and wealth products; SA, TD, FX, IS, INS, FAS
• Sourcing guidelines, Channel contribution, sourcing city strategy, headcount and productivity metrics, new booking quality and portfolio shape
• Drive portfolio activities to improve profitability as well as balance
• Managing portfolio revenue & book through balance build programs
• Identify sourcing trends across channels & take corrective measures as necessary
• Implement strategies / campaigns for higher product mix, resource activation & cross sell in new branches/ channels
• Work in close coordination with Product teams for new initiatives & process updates
• Formulate, cascade and drive NFI and NII product budgets across channels
• Jointly frame and launch sales contests with products/segments to drive sales KPI’s and productivity of the sales team(s) across channels
• Be the face for the country for most Group interactions on the segments.
• Develop  Customer Value Proposition, service and relationship management experience that is distinctive, market-leading and scalable, while being consistent with the global strategy and framework.
• Create tools, enablers, insights leveraging digital and analytics for client and frontline facing teams
• Position the segment internally and externally
• Coordination with all product and function groups related to all aspects with regards to the segment

• Primary responsible to grow qualified clients, drive Cross sell, wealth active and portfolio management
• Handle the frontline coverage model across RMs, Acqui, Sky etc
• Key project management and end to end driving and tracking which are strategically aligned to business
• Close engagement with Analytics, Digital, Marketing and Service to support Affluent growth, part of team that launched several innovations for Resident and cross-leveraging synergies
• Working across Segments and Retail Products for proposition development across clients and staff, close working with Learning Team and HR on talent projects, close working with Wealth on proposition, activation campaigns, comms, webinars, contests and drives. Segment support to multiple channels such as Acquisition, Sky and VRM.
• Work with CABM on developing brand and market positioning through media coverage and marketing / brand / digital coverage
• Develop innovations with assistance of digital teams
• Determine the optimal balance of branch and other channel usage, and in collaboration with the country team ensure plans are developed and implemented to drive new business sales and Assets Under Management (AUM), across all product groups
• Collaborate with country/region Risk, GTO and Product Heads to develop and enhance optimal mix of products holdings and bundled solutions, customised to segmented customer portfolio, consistent with the global framework.
• Add new clients, enhance pipeline processes, and improve cross-sell and effective tail management to achieve greater productivity and market penetration.
• Introduce and drive bundled solutions that deepen relationships and address client needs by improving levels of capability and productivity as well as process efficiency.
• In conjunction with Country Head, build, lead and up tier the segments team and ensure that they work effectively with all partners and stakeholders (Risk, Branches, Ops, CSG, L&C, FCR etc)
• Enhance the bench strength and capability of the team through developing and implementing an integrated people strategy. Work with business teams and business HR in determining key HR levers and standards on the RM workforce focusing on hiring, onboarding, training, coaching, scorecard and rewards, engagement and leadership development & capacity planning.

People & Talent

• Lead through example and build culture of collaboration across teams
• Employ, engage, and develop high quality talent with succession planning for critical roles
• Partner with HR and create robust development program for product and teams in line with changing banking landscape

Risk Management

• Discipline in HR and training related matters, Operational Risk Standards
• Attend training, acquire knowledge and apply to job function requirements
• Adhere to all policies, guidelines and procedures, comply with local regulatory requirements
• Ensure CDD, MLP & TCF diligence and adherence to operational risk controls and procedures in day-to-day management
• Zero tolerance of risk and compliance breaches
• Adhere to all policies, guidelines and procedures, comply with local regulatory requirements, reflect best practices
• Ensure no adverse findings in internal / external audit, governance and compliance review 
• To comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager

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 NRI India team 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

• All Business units
• Sales
• Segments
• Products
• Compliance
• Marketing
• Digital Banking

Other Responsibilities

• Customers: Affluent /Mass Market, Emerging affluent and Affluent new to bank clientele and Key Corporates (if mandated) 

Skills and Experience

• MS OFFICE AND PRODUCTS 

Qualifications

• Graduation or Post graduation with min 15 years of experience required

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.