Job Summary

•    Carry out strategic business goals set by line manager, to work closely with all stakeholders to maximize resources and opportunities for SME Clients from SME liabilities products and client solutions perspective
•    Be responsible for the end-to-end client journey and product/ service solution development 
•    In line with the commitment to serve SME segment by supporting their high-quality development needs, SME department will continue to extend the coverage of financial services, uplift comprehensive financial service capabilities for SMEs, as well as provide one-bank financial solution to support SMEs’ whole life cycle growth (from start-up to cross-border expansion)

Key Responsibilities

Product Management
•    To drive SME transformation and commercialization of liabilities products through optimizing client journey, as well as to comply with required internal and external controls
•    Develop, implement, and manage a range of SME liabilities product initiatives to maximize underlying economic profits and to grow the business
•    Initiate timely support in the design and development relating to new product/ service solutions as well as to re-engineer existing product/ service solutions; support business acquisition and retention via sales channels, as well as to manage the transfer of existing products to new channels or markets, if any
•    Continue to drive digital transformation with full span, including but not limited to product optimization, client solutions enhancement, as well as digital service and management capabilities

Processes
•    Be responsible for end-to-end process and client journey of SME liabilities products, 
•    Identify and implement process/ client journey improvement to further reduce end-to-end TAT
•    Liaise with various departments and channels to ensure the processes are integrated and properly adopted across business channels 
•    Prepare and train functional workgroups to ensure they are competent with the process flows, and placing focus on quality customer service, control and cost discipline.

People & Talent
•    Perform professionally as a team player to lead, co-work, or support in all SME Banking related initiatives.
•    Enhance & multiply the quality & depth of direct reports in SME Banking family. 
•    Drive performance through clear objectives via scorecards, KPIs. 

Risk Management
•    Ensure effective and efficient operations without sacrifice on control and service quality. Continually look at opportunities for process improvements
•    Work effectively across SCB, using values behaviours to drive sustainable business growth.
•    Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct

Governance
•    Improvement and development of risk management standards in SME Banking to mitigate legal, regulatory and operational risk and to reduce the incidence of unacceptable risks and adverse audits.

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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles. Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment

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.
•    Accountable for implementing and complying with AML CDD/Sanction requirements when performing duties: 
•    Ensure timely escalation of suspected or known transactions which are in breach of Group policy and procedures or local regulatory requirements.
•    Full compliance with AML CDD/Sanction related policy and procedures of Group, Country and local regulatory when performing BAU tasks.  
•    To comply with all compliance requirements with high alertness to MLP procedures and always take the lead to be alert to unusual or possibly suspicious customer activity and must report/escalate up on any suspicious transaction. 

Key stakeholders
•    Collaborate with internal stakeholders including but not limited to Group SME, Country SME WS (CMPS product and specialist teams), SME frontline sales/ team leaders, COO/ Operations, SME Risk & Control, CFCR/ FCC, Risk, CCC etc

Other Responsibilities
•    Embed Here for good and the Group’s brand and values in China SME Banking team.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    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.
•    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.
•    Understand, acknowledge, and comply with the requirements as set by all applicable regulators.
•    Ensure to 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.
•    Ensure to timely handling the various regulatory requirements under appropriate permission, e.g. report, survey, consulting paper, research paper, inspection, regulator queries regarding regulatory submission (if any), etc.

Qualifications

•    University and/ or above
•    Banking, Finance and economic major is preferred
•    At least 5+ years of working experience in Banking/ financial industry (related to product role/ SME segment is preferred)
•    Demonstrable capabilities in growing businesses and developing business via varies of key business initiatives.
•    Good understanding in banking/ SME segment regarding SME landscape, market insights, new digital/ tech model and relevant product knowledge
•    Proven product and process management capabilities 
•    Firm in all business guidelines and compliance issues.
•    Demonstrated communication and engagement skills; team player and able to work with different stakeholders
•    Endurance, personal perseverance, strong self-motivation, entrepreneurial, problem–solving skills with flexibility.
•    Good social skills with in-depth network into relevant target market.
•    CRM, CFA or any other professional certificates is a plus 
•    Fluent in Mandarin and English including writing and oral  

Skills and Experience

•    Product design and development 
•    Process management 
•    Cash management services 
•    Risk management 
•    Small business banking 

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.