Director & Prism Head

Standard Chartered; Bengaluru; On-site; INR 2,000,000 - 4,000,000; Full time

Benefits offered by this job

Being part of an inclusive and values"

Job summary

Standard Chartered is seeking a seasoned banker to lead and grow a commercial Banking portfolio across major cities. You will collaborate with RMs, segment heads and risk teams to structure credit facilities and deliver client solutions.

Your focus will be on Investments, FX, cash management and related banking services while maintaining rigorous CDD/AML compliance. You will mentor team members, drive revenue targets, and ensure high standards of ethics and professionalism in client engagements

Qualifications

• University graduate with significant experience in serving business/commercial/corporate clients.
• Strong financial analysis skills and ability to assess client creditworthiness and risks.
• Knowledge of trade, cash, lending and FX products and local industries.

Responsibilities

• Achieve individual and team targets by generating new business and cross-selling.
• Lead account planning with RMs to provide client solutions and credit facilities.
• Build trusted client relationships and manage a portfolio.

Job description

Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in Wealth, CDD teams and partners in risk, other support functions, and product.

Key Responsibilities

Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through:
effectively generating new business – identify prospects and convert in line with the Bank’s appetite
strategically formulating account plan with RMs across the country – provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions
proactively building trusted client relationships – maintain a portfolio of active and growing customers
Market and sell broad range of products including Investments, Insurance, FX, cash management, treasury etc.
Prepare credit proposal and loan application of customers; prepare annual review on timely basis
Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
Implement agreed business plan to achieve sales/ revenue targets
Generate creative ideas on customer acquisition and products/ services
Regularly feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products
Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct

Strategy
To increase the market share across the country in Investments, FX and Banca. To build high-value CA Balances through Capital Account Transactions, Escrow and GIFT City Banking. This role will lead the RMs in major cities like Delhi, Mumbai, Bangalore, Chennai and Hyderabad.

Business
To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial Banking customers within acceptable risk parameters.
Contribute toward achieving team’s overall target and delivering optimal revenue through Investments, FX and Banca.

Processes
Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth.
Conduct regular and timely customer due diligence (CDD) reviews
Ensure CDD profiles are error free for timely sign off
Follow and comply with AML CDD policies and procedures where applicable
Identify KYC issues, provide solution or elevate to line manager if necessary
Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures

People & Talent/ Risk Management/ Governance
To increase the market share in the city from current numbers in the compliant way, To hire the best talent in the market, to manage both P&L and Balance Sheet

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 city liabilities 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, elevate, mitigate and resolve risk, conduct and compliance matters.

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

Skills and Experience

Qualifications

University Graduate Minimum 12 years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking Firm in all business guidelines and compliance issues Sound knowledge of financial markets and investment products Outstanding communication and presentation skills

About Standard Chartered

We’re a global bank connecting clients to our differentiated network, offering growth opportunities in the world’s most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we’ve built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.