Junior Relationship Manager, Priority Banking

Standard Chartered; Puchong; On-site; MYR 90,000 - 150,000; Full time

Benefits offered by this job

Flexible working options

Annual leave and sabbatical

Wellbeing support (Unmind)

Job summary

Standard Chartered in Malaysia seeks a seasoned Priority Banking advisor to manage a high-net-worth client portfolio, drive new business, and deepen relationships with clients. You will deliver market insights and investment guidance while ensuring regulatory compliance and robust controls.

The role requires strong client engagement, cross-selling capabilities, and a track record of achieving sales targets in a banking environment.

Qualifications

• Honours degree and relevant professional qualifications.
• More than 5 years’ banking experience with sales focus.
• Favourable track record in managing sales and/or operations.

Responsibilities

• Acquire new business and deepen client relationships while meeting revenue targets.
• Provide market information updates and investment guidance to Priority clients.
• Ensure compliance with regulatory requirements and internal controls.
• Engage with clients, coach branch teams, and deliver advisory services.

Skills

Client relationship management

Sales and advisory

Market analysis

Communication skills

Negotiation

Digital solutions training

Microsoft

Education

Honours degree (CGPA 3.0 or better)

FIMM License

Bancassurance License

IPPC License

Tools

Microsoft

Job description

Job Summary

Manage the PB Client portfolio to maximize new business opportunities and deepen existing relationships, while providing quality in service delivery in an efficient operation where risks are well controlled. Ensure that robust sales process, stringent service standards in compliance with local regulatory requirements are met

Key Responsibilities

• In consultation with the BM/STM, draw up monthly plans for achieving new business and customer acquisition goals committed.
• To foster and deepen client relationship by providing regular market information updates and trend analysis on international equities, unit trust, bonds and other investment instruments and follow up calls / visits to assist them in their investment decisions.
• To conduct regular checks on market trends and competitors’ programme offering and activities. This is to assist / initiate efforts to increase product differentiation and enhance attractiveness of programme.
• To plan, target and cross-sell integrated business financial services to Priority clients who are self-employed professionals and businessmen.

Strategy

In/outbound ETB advice & sales

• To proactively acquire portfolio AUM of Priority Clients besides Personal clients.
• Engaging & deepening Affluent & hidden Affluent in advisory conversations with analytics support and collaboration with Wealth Specialists.
• Meeting clients when required (at least once a month).
• Prepare and educate clients to interacting via online, Client Centre NTB referrals from clients
• Actively acquire and activate new Affluent/potential Affluent clients referred from ETB clients directly to Relationship Manager, Priority Banking.
• Provide advice to Personal Clients approaching Bank with complex investment needs.

Business

• To achieve agreed revenue and new sales targets.
• Agreed service standards to customers.
• 100% Operation control under operation risks guidelines and sales compliance.
• To cascade and live the values.
• To undertake special projects / assignments.
• Non compliance and control weaknesses inherent in the selected samples are detected and duly reported
• No unsatisfactory compliance reviews and audits on the conduct of CST and record keeping
• No overdue Control Sample Testing (CST).
• Maintaining robust controls and monitoring actions

Processes

Engaging and deepening activities

• Proactively engaging with the PB Clients by having complete knowledge of the clients in terms of the :
• profile & assets
• create analytics-backed next best conversation
• sound knowledge in Needs/Anchor products such as : Wealth & Mortgage, CASA, CC & etc.
• To acquire from individual client referrals and actively engaging them during the first 3 months by:
• meeting the client in person to discuss on advisory needs (once a month/quarter)
• connect client with specialists
• set up products holding
• conduct/connect for periodic CDD
• conduct fulfilment & activate
• Supporting the client on any client-initiated needs by:
• Proactively reaching out to client for advice discussions
• Delivering on transactions, service requests, mobile/online training
• Updating CDD
• Managing Client’s credit situation
• Refer most servicing activities to Client Servicing Managers (as and when request by clients)
• To recommend improvements in operational processes, procedures and products based on customer feedback to ensure constant enhancement of service levels and efficiency.
• To comply with all applicable money laundering prevention procedures and, in particular report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.

Acquiring on referrals

• Act on referral leads assigned within timeline
• To solicit referrals from other sources.
• To conduct a professional, consultative financial analysis and profiling session with Priority clients by:
• Meeting, listening and determining further needs
• Setting up anchor products & initiate cross-sell
• Conduct/connect CDD
• Educate and conduct initial set-up for online, ATMs, Client Centre and Branch

People & Talent

Product broadening

• Enhanced multi-product Priority knowledge
• Market and competition knowledge
• Possess all relevant investment & insurance certifications and licensing

Client engagement

• Presentation and soft skills tailored to engaging Affluent Clients
• Internal stakeholder engagement skills
• Closing deals
• Ability to drive and manage client interaction
• Good communication & presentation skills
• Negotiation and objection handling
• Client training on digital solutions

Journey completion

• Discipline and good time management to handle a client portfolio
• Ability to solve problems and close issues without handing over
• Strong analytical ability
• Understanding of Priority CDD principles
• Interpersonal and complaint handling skills
• Bank's product knowledge
• Understanding of policies and procedures
• ABM rules / Bank Negara FEA regulations
• Branch Operations Manual (WEBOM) /MIC/ group circulars/bank policy and tariff of charges

People & Talent

Product broadening

• Enhanced multi-product Priority knowledge
• Market and competition knowledge
• Possess all relevant investment & insurance certifications and licensing

Client engagement

• Presentation and soft skills tailored to engaging Affluent Clients
• Internal stakeholder engagement skills
• Closing deals
• Ability to drive and manage client interaction
• Good communication & presentation skills
• Negotiation and objection handling
• Client training on digital solutions

Journey completion

• Discipline and good time management to handle a client portfolio
• Ability to solve problems and close issues without handing over
• Strong analytical ability
• Understanding of Priority CDD principles
• Interpersonal and complaint handling skills
• Bank's product knowledge
• Understanding of policies and procedures
• ABM rules / Bank Negara FEA regulations
• Branch Operations Manual (WEBOM) /MIC/ group circulars/bank policy and tariff of charges

Skills And Experience

• Microsoft
• FIMM License
• Bancassurance License
• IPPC License

Qualifications

• Honours degree (CGPA 3.0 or better) and / or relevant professional qualifications.
• Possess all relevant investment & insurance certifications and licensing.
• More than 5 years’ experience in banking with demonstrable knowledge of banking practices and financial products.
• Favourable track record in managing sales and / or operations or demonstrated ability to achieve strong sales performance.
• Ability to coach, inspire and mobilise Branch team members of various levels to deliver exceptional performance.
• Demonstrated ability to establish a service culture.
• Interpersonal and complaint handling skills
• Bank's product knowledge
• Understanding of policies and procedures
• ABM rules / Bank Negara FEA regulations

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.