Premium Executives

Standard Chartered; Karachi Division; Hybrid; PKR 800,000 - 1,400,000; Full time

Benefits offered by this job

Competitive salary and benefits

Retirement savings and life insurance

Flexible working options

Wellbeing programs and learning access

Job summary

Standard Chartered is seeking a frontline sales professional in Karachi to manage and grow a client portfolio by acquiring new clients and deepening relationships through credit cards, mortgages, and personal loans. You will identify opportunities, negotiate terms, and service clients face-to-face and over the phone.

The role emphasizes AML compliance, policy adherence, and strong negotiation to maximize cross-sell potential while delivering excellent client service in a dynamic banking

Qualifications

• Excellent interpersonal skills and ability to build relationships with clients
• Strong stakeholder management across multiple teams
• Sound decision making in fast-paced sales environment
• Clear and effective communication with clients and colleagues
• Analytical problem-solving to identify opportunities and resolve issues
• Strong negotiation skills to close deals and cross-sell products

Responsibilities

• Manage and grow a client portfolio in frontline sales
• Acquire new clients and deepen relationships through cross-selling credit cards, loans, and mortgages
• Identify opportunities and negotiate terms with clients
• Meet regulatory requirements including AML and customer protection policies
• Visit clients regularly to generate new business and renewals
• Explain lending products clearly and address client inquiries face-to-face and over the phone
• Adhere to FATCA and sanctions policies and maintain knowledge of bank policies

Skills

Interpersonal skills

Stakeholder management

Decision making

Communication skills

Problem solving

Negotiation

Job description

Job Summary

This role is responsible for managing and growing a client portfolio, acquiring new clients, and deepening relationships thorough frontline sales. it involves identifying new opportunities, handling client negotiations and selling products like credit cards, personal loans and mortgages.

Key Responsibilities

• Focus on Asset Products i.e. Credit Cards, Mortgages, Personal Loans, & Easy Credit, SIMBA & Account upgrade From Personal to Premium, Premium to Priority Upgrade
• Focusing on Employee Banking companies for cross selling Asset products
• Optimizing business opportunities
• Complete understanding of Scorecard for both Financial and Non-Financial Aspects
• Awareness of all policies, procedures and regulations issued in relation to segment, money laundering prevention and treating customers fairly policy
• Strong understanding on FATCA and policies related to sanction countries
• Regular Client visits to acquire new clients
• Lending products clearly to customers discussing their requirements and dealing with inquiries face to face and over the phone

Skills And Experience

• Strong interpersonal skills
• Stakeholder management
• Decision making ability
• Communication skills
• Problem Solving skills
• Strong Negotiation 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.