Portfolio Manager - Branch

Standard Chartered India; Kolkata District; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

Standard Chartered India in Kolkata seeks an experienced Relationship Manager to build and deepen relationships with Prime and high-net-worth customers, manage the portfolio, and drive revenue growth. You will act as the main contact for elite clients, provide professional service, and help reduce attrition.

The role requires strong sales focus, excellent communication, and banking knowledge, with targets across customer acquisition and cross-selling.

Qualifications

• Graduate/ Postgraduate, consistent academic career.
• Extensive sales experience (2 to 5 years).
• Sales focused and highly target oriented.
• Able to pick up new concepts quickly.
• Able and excited about going out to meet new customers.
• Competitive awareness & benchmarking.
• Excellent communication, interpersonal & relationship building skills.
• Banking knowledge.
• Management Information Skills.
• Good interpersonal skills.
• Customer and service orientation.

Responsibilities

• Build and deepen relationships with existing Prime Customers to increase share of wallet and revenues.
• Provide professional customer service to achieve high customer satisfaction and retention.
• Manage the portfolio to de-risk against attrition and achieve stability of book.
• Serve as the one-point contact to the high affluent net worth customers of the Bank.
• Generate new business to achieve defined targets in terms of number of customers, volumes and revenue.
• Achieve targets in terms of product mix.
• Induction of all new customers brought in by Self, Branches & Direct Sales team.
• Achieve best in class productivity to maximize the efficacy of the sales process.
• Achieve the budgeted cross sell targets.
• Aggressive sales call plans to acquire large prospective customers through referrals.
• Ensure coverage of customer base in accordance with the approved contact plans.
• Coordinate customer events for the cluster along with the product team.
• Update & maintain all Sales MIS (Calls, Prospects, Attritions, Business done, etc.).
• Maintain and update customer information on WMS.
• Ensure that NPS is monitored and improve customer management.
• Use CMP system diligently and achieve > 75% of monthly required customer contact.
• Ensure awareness of money laundering prevention and KYC policies; report suspicious transactions.
• Ensure compliance with operational risk, mis selling, and Group Code of Conduct.
• Display exemplary conduct and uphold Group Values.

Skills

Cross-Selling

Customer Retention

Sales Proposals

Portfolio Management

AML Policies

Relationship Building

Education

Graduate/Postgraduate

Job description

• Build and deepen relationships with existing Prime Customers to achieve increase in share of wallet and revenues.
• Provide professional customer service to achieve a high percentage of customer satisfaction and retention.
• Manage the portfolio to de-risk against attrition and achieve stability of book.
• Have complete knowledge of the customer base in terms of the profile, demographics & psychographics and assets in the Bank and in other places.
• Serve as the one-point contact to the high affluent net worth customers of the Bank.
• Generate new business to achieve defined targets in terms of no. of customers, volumes and revenue for the segment
• Achieve the targets set in terms of product mix
• Induction of all new customers brought in by Self, Branches & Direct Sales team.
• Achieve “best in class” productivity to maximize the efficacy of the sales process.
• Achieve the budgeted cross sell targets.
• Aggressive Sales call plans to acquire large prospective customers through referrals.
• Ensure coverage of customer base in accordance with the approved contact plans.
• Coordinate customer events for the cluster along with the product team.
• Update & maintain all Sales MIS (Calls, Prospects, Attritions, Business done, etc.)
• Maintain and update customer information on WMS

Key Responsibilities

Relationship management

• Build and deepen relationships with existing Prime Customers to achieve increase in share of wallet and revenues.
• Provide professional customer service to achieve a high percentage of customer satisfaction and retention.
• Manage the portfolio to de-risk against attrition and achieve stability of book.
• Have complete knowledge of the customer base in terms of the profile, demographics & psychographics and assets in the Bank and in other places.
• Serve as the one-point contact to the high affluent net worth customers of the Bank.

Sales

• Generate new business to achieve defined targets in terms of no. of customers, volumes and revenue for the segment
• Achieve the targets set in terms of product mix
• Induction of all new customers brought in by Self, Branches & Direct Sales team.
• Achieve “best in class” productivity to maximize the efficacy of the sales process.
• Achieve the budgeted cross sell targets.
• Aggressive Sales call plans to acquire large prospective customers through referrals.
• Ensure coverage of customer base in accordance with the approved contact plans.
• Coordinate customer events for the cluster along with the product team.

Sales mis

• Update & maintain all Sales MIS (Calls, Prospects, Attritions, Business done, etc.)
• Maintain and update customer information on WMS

Service

• NPS & Customer management
• Ensure that NPS is at least in second quartile as compared to peers
• Use the online CMP system diligently and achieve > 75% of their require customer contact each month

Risk management & compliance

• Ensure full awareness of all policies and procedures issued in relation to money laundering prevention and KYC.
• Ensure compliance with the above policies on an ongoing basis and reported any suspicious transaction immediately to the supervising officer.
• Ensure full awareness of all policies relating to operational risk, sales processes, mis selling, etc. and comply with the same
• Read, understand and comply with all provisions of the Group Code of Conduct.

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

Skills And Experience

• Addressing Customer Needs
• Anti-money Laundering Policies and Procedures
• Cross-Selling
• Customer Retention
• Sales Proposals and Presentations
• Portfolio Management for Retail Bank

Qualifications

• Graduate/ Postgraduate, consistent academic career
• Extensive sales experience (2 to 5 years)
• Sales focused and highly target oriented
• Able to pick up new concepts quickly
• Able and excited about going out to meet new customers
• Competitive awareness & benchmarking
• Excellent communication, interpersonal & relationship building skills
• Banking knowledge
• Management Information Skills
• Good Interpersonal Skills
• Customer and Service Orientation

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.