Job Summary

•    To form and lead country roll-out taskforce comprising of Product, Segment, Risk, Risk Operations and relevant key stakeholders.
•    To manage the Medium Enterprise (ME) segment Business within SME Banking to achieve the revenue, cost and profit targets allocated in the annual budget.
•    To define an evolved & RoTE friendly ME value proposition with good experience and professionalism in shaping one liability first but trade and WM&FX focused business culture

KEY RESPONSIBILITIES/CHALLENGES: 

Development and implementation of strategies
•    Directly manage China ME’s infrastructure to build sales momentum by looking after client coverage includes RM, ARM.
•    Drive revenue & balance sheet growth: develop the mindset of product profitability and manage the NIM by maintaining a balanced asset and liability book to optimize revenues and margins. Though a liability focused proposition has been proposed under our ME value proposition, diversified revenue stream should also be ensured to reflect our professional understandings in market trend which can help us get adjusted adhere to new business opportunities and competitive threats.
•    Work with stakeholders to ensure achievement of segment-wise financial targets (revenue/cost/LI/OP). Conduct bottleneck analysis and propose solutions. Lead the origination for ME CN client, including setting overall client strategy account plan.
•    Closely collaborate with internal stakeholders such as SME segment& MM, to roll out the marketing initiatives and sales campaigns & conduct portfolio management through the leads management function with the aim to increase NTB&ETB’s engagement.
•    Work closely with Digital Analytics team to leverage on client data to identify client needs and business trend, to conduct a more precise client profiling for further financial analysis.
•    Work jointly with SME products to develop CVP, organize customer events and develop sales campaigns to ensure that the products offered meet planned volume and revenue targets.
•    Own the digital strategy for ME China.
•    Develop a standardized toolkit for cross-sell, deepening, attrition management and NTB gating through Analytics. 
•    Provide inputs for sales scorecards and sales governance under ME infrastructure specifically.
•    Deliver Medium Enterprise client relationship standard operating model and capacity framework, including
-    Client coverage and account assignment rules in a team-based way of working
-    Client contact and service standards
 

Key Responsibilities

Performance measurement & tracking
•    Work with BMO to define overall performance standards & KPIs and achieve deepening targets.
•    Standardize required framework of MIS tracking.
•    Develop reward framework and scorecards.
•    Define sales processes and standards for sales quality metrics.
•    Strengthen hiring and career development model working with HR/TA.

Ensuring compliance and familiarity to standards
•    Work with People Capability/ curriculum architects to set training standards including those related to compliance
•    Work collaboratively with CFCC, AML, L&C on Client Due Diligence and KYC processes
•    Provide input to governance and operational risk to define measures and controls for prevention of mis-selling, misrepresentation, fraud and for adherence to Treating Clients Fairly principles

Process& Governance
•    Support the continuous improvement of processes to increase operational efficiency and effectiveness.
•    Support the effective management of operational risks across the Business and in compliance with applicable internal policies, and external laws and regulations at a global level.
•    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

Risk& Culture management:
•    Lead through example and build the appropriate risk-related culture and values. Set appropriate tone and expectations from client coverage team and work in collaboration with risk and control partners.
•    Continuously ensure personnel are aware of and adhere to regulatory, governance and conduct related matters via on-job learning.
•    Ensure exit of weak relationships & tail management of portfolio
•    Understand the risk and control environment within area of responsibility and drive rectification as required.
•    Handle customer issues, complaints, and product enquiries on timely basis in accordance with established procedures.
•    Ensure that Risk Management matters that are brought to attention are subject to direct remedial action and/or ensure adequate reporting to the relevant Risk Committees and/or line management.
•    Ensure all sales disciplines are adhere in accordance with ME standards i.e. Account Planning, call reports, Deal pipeline management, static data management as applicable as the role

Leadership & People

•    Build a strong local talent pipeline for future business growth and continuity.
•    Coach direct reports and key talents to deliver on individual performance.
•    Manage employee engagement, motivation, and attrition issues.
•    Be an effective agent of change and a role model for talented managers throughout the Bank.
•    Identify and develop high potential team members. 
•    Identify and manage-out low performing team members.

Skills and Experience

Compliance & Control

•    Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff.
•    Contribute towards achieving and maintaining satisfactory audit rating.
•    Contribute towards ensuring that the value stream is fit for growth and have effective controls framework.
•    Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.”
•    Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
•    Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency.
•    Ensure that customer due diligence is properly carried out by RMs, and other anti - fraud checks.
•    Manage the risk of the portfolio on an ongoing basis through proactive monitoring of customers, their transactions, and developments in the general business environment.

Other Responsibilities

•    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.
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
•    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.  
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review.
•    Properly perform the duties on management and ensure the effectiveness of internal control.
•    Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership. 
•    Be responsible for significant losses due to failure of effectiveness of internal control.

Qualifications

•    Enhanced knowledge of Medium Enterprise products
•    With strong industry knowledge
•    Experience in market and competitive offerings / landscape in the ME space
•    Strong analytical and core banking knowledge
•    Strong businesses and financial knowledge
•    Strong inter-personal skills and ability to influence other functions.
•    Good understanding of rewards and compensation, people development.
•    Familiar with Channel management, Data Analysis and visualization, partnership management, pricing, Regulatory Environment
•    Knowledge of processes related to client acquisition, privacy, regulatory compliance, KYC and CDD 

Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time. 

Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the WRB essential, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employee who has passed the probation, failing to pass the WRB essential will be taken as assessment basis for job incompetency.  Before attend and pass the WRB essential class, the employee should not perform any kind of business communication / engagement to customers.

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.