Principal Relationship Manager

Standard Chartered Bank; Mumbai; On-site; INR 500,000 - 800,000; Full time

Job summary

Standard Chartered Bank in Mumbai seeks a customer-focused sales professional to drive revenue through liability and wealth products while delivering high-quality service.

You will generate new business, participate in branch sales planning, and ensure compliance with bank policies. Excellent communication and MIS awareness are essential to succeed in this role.

Qualifications

• Post Graduate with consistent academic career.
• Extensive sales experience (2 to 5 years).
• Sales focused and highly target oriented.
• Excellent communication, interpersonal and relationship skills.
• Banking knowledge and MIS understanding.

Responsibilities

• Maximize sales to achieve revenue targets through liability and wealth products.
• Generate new business via promotions, calls, presentations and in-branch visits.
• Participate in branch sales planning and action plans.
• Ensure compliance with policies and minimal audit comments.
• Provide high level customer service and handle difficult situations.
• Ensure accurate processing of transactions and adherence to KYC/AML guidelines.
• Monitor customer satisfaction and drive continuous service improvements.

Skills

Post Graduate

Extensive sales experience

Sales focused

Target oriented

Excellent communication

Education

Postgraduate degree

Job description

Job Summary

Servicing primarily walk-in customers to fulfill the specific transactional requirements of the customer through high quality customer service while increasing product penetration through cross sell and achieving allocated portfolio and revenue targets.

Key Responsibilities

• Maximize sales performance to achieve given revenue targets (self and branch) through liability products [Current /Savings /Term deposits], wealth management products and asset related products (secured, unsecured)
• Generate new business via sales promotions, out-marketing calls and presentations and in-branch contacts
• Participate actively in branch sales planning to generate action plans for meeting targets
• He/She is aware of bank’s Mis-selling & Sales Policies and ensure adherence all the time.
• Ensure high level of customer service in the Branch. Manage difficult customer situations
• Ensure compliance with internal and external guidelines and ensure minimal comments in audits and other inspections
• Ensure transactions are processed with a high level of accuracy and commitment to satisfy customer needs
• Ensure validity and completeness of transactions processed and ensure concessions relative to exchange rate, fees, charges etc. are authorized/ overridden by appropriate authorities
• Ensure adherence to laid down processes, facilitate first time resolution. Minimize rejections and customer complaints
• Monitor customer satisfaction survey ratings, net promoter score or any other survey/ feedback ratings taken from customers and ensure continuous improvement if below benchmark, sustain and better quality service
• Take responsibility for general reconciliation and control activities
• Find ways to improve operational efficiency and control costs to meet cost budgets
• Be multi-skilled to handle all kinds of transactions and services in the bank
• Manage growth and attrition of the base, facilitate customer up-streaming. Improve product per customer
• Ensure he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD & Money laundering prevention. He/she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer.
• Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
• Responsible for health and safety for all. As part of the Health and Safety guidelines you should:
• Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace;
• Ensure that your actions do not put others at risk; Work in a healthy and safe manner;
• Encourage others to work in a healthy and safe manner
• Report all accidents and incidents and bring to the attention of the management any hazard in the workplace
• Risk Management
• 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, misselling, 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

• Post Graduate, 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

Qualifications

• Diligent & Punctual
• Knowledgeable about the role
• Certified with relevant courses
• Confident
• Fluent in Language
• Good Sales exposure
• Banking Exposure
• Management Information Skills
• Good Interpersonal Skills
• Customer and Service Oriented

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.