Job Summary

•    Distribution Bancassurance Product Launch & Management
•    Partner Insurance Institution Management 
•    Bancassurance Sales Strategy & Training Support
•    Bancassurance Sales System Development & Integration
•    Data Analysis & Business Optimization 
•    Compliance & Risk Management
•    Sales Process Optimization
•    Implement various tasks arranged by the leader.
•    Be responsible for implementing and complying with anti-money laundering requirements when performing their duties.
•    Comply with the bank's internal process policies and relevant laws and regulations on the requirements for agency sales of insurance . 

主要职责：

1. 代销银保产品的上线与管理 
2. 合作保险机构管理
3. 银保销售策略与培训支持 
4. 银保销售系统开发与对接管理 
5. 数据分析与业务优化  
6. 合规与风险管理 
7. 销售流程优化
8. 实现领导安排的各项工作
9. 在履行职责时负责实施和遵守反洗钱要求
10.遵守银行内部流程政策及相关法律法规对代理销售保险的要求

Key Responsibilities

Strategy
To develop, maintain and grow revenue streams for Bancassurance Product .

策略：
-    发展，维持和提升银行保险中间业务收入

Business
1.Distribution Bancassurance Product Launch & Management
•    Manage the full lifecycle of bancassurance distribution, including market research, product comparison, system integration, launch, and discontinuation, etc.
•    Coordinate resources between banks and insurance companies to ensure products align with channel sales goals and customer needs.  

2. Partner Insurance Institution Management 
•    Evaluate and select qualified insurance partners, lead contract negotiations and implementation.  
•    Conduct regular reviews of partners’ product offerings, service performance, and compliance to optimize collaboration and resource allocation.  

3. Bancassurance Sales Strategy & Training Support
•    Develop annual sales strategies and phased targets, adjust marketing activities and market promotions in response to market dynamics. 
•    Provide training support and share successful experiences with bank sales colleagues.

4. Bancassurance Sales System Development & Integration
•    Lead requirement analysis, development, testing, and optimization of bancassurance sales systems, to automate processes and enhance data visibility.  
•    Coordinate with IT, insurers, and third-party vendors to ensure seamless system integration and resolve technical issues promptly.  

5. Data Analysis & Business Optimization 
•    Monitor financial KPIs (premium income, commission, etc.) and sales, generate reports and propose actionable improvements.  
•    Drive product portfolio optimization and targeted marketing strategies through customer profiling and behaviours analysis.  

业务：
1. 代销银保产品的上线与管理 
•    负责代销银保产品的全生命周期管理，包括市场调研、产品设计、系统对接、上线推广及停售管理等。  
•    协调银行与保险公司资源，确保代销产品符合渠道销售目标及客户需求。  

2. 合作保险机构管理
•    筛选并评估合作保险机构资质，主导合作协议谈判及条款落地。  
•    定期审核合作方产品供给、服务履约及合规性，优化合作机制与资源配置。  
   
3. 银保销售策略与培训支持 
•    制定年度销售策略及分阶段目标，结合市场动态调整营销活动和市场宣传。  
•    为银行销售同事提供培训支持和成功经验分享。

4. 银保销售系统开发与对接管理 
•    主导银保销售系统的需求分析、开发测试及功能迭代，推动销售流程自动化与数据可视化。  
•    协调IT、保险机构及第三方供应商，确保系统对接稳定高效，及时解决技术瓶颈。  

5. 数据分析与业务优化  
•    监控代销产品财务指标（保费收入、佣金等）及销售数据，输出分析报告并提出优化建议。  
•    通过客户画像与行为分析，推动产品组合优化及精准营销策略。  

Processes
•    To maximize operation process and control efficiency by compiling and improving Product  programs and Product manuals. 
•    Develop and obtain approvals for new product programs
•    To optimize sales process effectiveness and quality standard by establishing and monitoring the coherence to the procedures 

流程
-    通过改进内部操作手册来最大程度地提高运营流程和风控效率
-    开发并获得新产品计划的批准
-    通过建立并保持流程设计的连贯性，不断优化流程效率和品质标准

People & Talent
Complete all types of training required by SCB and regulators on time.

人员与人才
-    按时完成渣打及监管要求的各类培训

Risk Management
•    Attentive towards product providers’ risk issues
•    To comply with their respective Money Laundering Prevention Procedures and be alert at all times to unusual or possibly suspicious customer activity and should report any suspicious activity to the respective Unit Money Laundering Prevention Officer and line manager as well as directly to the Country MLPO in urgent or exceptional circumstances.

风险管理
•    关注产品提供商的风险管控
•    遵守反洗钱程序，并随时提醒异常或可能是可疑的客户活动，并应将任何可疑活动报告给各自的反洗钱预防干事和直属经理，并在紧急或特殊情况下直接报告给国家MLPO。

Governance
Compliance with local Regulators and laws – The role holder would be responsible for ensuring 100% compliance with the country laws and regulations. This would involve periodic review of the existing policies of Bancassurance

监督
•    遵守当地监管机构颁布的各项法律法规–确保100％遵守国家法律法规，定期评估对于银行保险业务管理规定的落实执行。

•    Accountability Review 
•    Understand, acknowledge, and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
•    理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
•    跟上本地问责法律法规的发展，以有效地确保并强化内控；
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.  
•    审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
•    对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review.
•    配合任何关于违反监管规定的调查或审查，例如，问责审查。
•    Accountable for Consumer Rights Protection Requirements 
•    Fully comply with all the regulatory requirements related to Consumer Rights Protection, uphold the robust mindset of Consumer Rights Protection, complete the Consumer Rights Protection themed training and workshop in due course, prevent the potential infringements of consumer rights, participate the public education, EV, or other activities to uplift the public awareness about Consumer Rights Protection

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 to achieve the outcomes set out in the Bank’s Conduct Principles 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Serve as a Director of the Board 
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association. 

Key stakeholders

•    WS/ Affluent / CFCR / Ops/ BORM/ etc.

Qualifications

•    EDUCATION: UNIVERSITY DEGREE OR ABOVE
•    MEMBERSHIP: Good communication and coaching skill 
•    LANGUAGES:English and Mandarin 

Skills and Experience

•    To develop and manage the bancassurance Product streams with reference to the overall Bank Strategy.
•    New bancassurance Product initiatives in filling product gaps in coverage of the strategic client segments.  
•    Conduct market analysis and competitor’s research in identification of business opportunities to provide product solution to growth customer base and revenue opportunities.
•    To establish and develop system and customer engagement tool in facilitation of frontline to enhance the clients satisfaction at best-in-class level.
•    To engage with target segment sales for the purpose of driving business revenues in distribution of insurance product solutions.
•    Live the SCB Value
•    Ensure Compliance discipline within all plans and execution process. 

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.