Relationship Manager - SME TASC

Standard Chartered India; Delhi; On-site; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Competitive salary & benefits

30 days annual leave and publichols

Flexible working options

Wellbeing and development programs

Continuous learning culture

Job summary

Standard Chartered India is seeking a Customer-First Relationship Manager for Delhi to acquire and grow Retail Banking clients, delivering profitable portfolios while managing risk. You will collaborate with RMs, segment heads and risk/compliance teams to tailor credit facilities and banking solutions that meet client needs.

The role emphasizes building trusted client relationships, identifying new prospects, and driving end-to-end banking transactions within regulatory and internal policies.

Qualifications

• University degree required.
• Minimum 4 years experience serving business/corporate clients.
• Knowledge of trade, cash, lending and FX and strong understanding of local markets.

Responsibilities

• Acquire, grow and retain profitable Retail Banking customers within risk parameters.
• Collaborate with RMs, team leaders and risk/compliance teams to deliver client solutions.
• Identify prospects, formulate client plans and execute banking transactions.
• Provide needs-based credit facilities and cross-sell banking products.
• Maintain and grow a portfolio of active customers with high service standards.

Skills

Communication

Sales & networking

Education

University Graduate

Job description

Key Responsibilities

• To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Retail Banking customers within acceptable risk parameters.


• Contribute toward achieving team’s overall target and delivering optimal portfolio return.


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

Strategy

• To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Retail Banking customers within acceptable risk parameters.


• Contribute toward achieving team’s overall target and delivering optimal portfolio return.


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

Business

• effectively generating new business – identify prospects and convert in line with the Bank’s appetite


• strategically formulating account plan – provide client’s 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

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

• Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture

Risk Management

• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.


• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).


• Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.


• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.


• Do what is right in order to avoid reputational risks and operational losses

Governance

• Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation

Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):

• Anti-Money Laundering (AML) and all applicable money laundering prevention procedures


• Client Due Diligence & Related Periodic Reviews


• Client Suitability Standards


• Treating Customers Fairly


• Approval & review of Credit Applications


• Maintain Documentary standards


• Data Confidentiality


• Cross-Border Policy


• Sanctions


• Environmental and Social Risk Management (ESRM)


• Anti-Bribery and Corruption (ABC)


• Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture


• Engage with all audit report findings and ensure feedback is acted upon

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

• Communication


• Sales & networking

Qualifications

• University Graduate


• Minimum [4] 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 retail 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 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.