This job is with Standard Chartered Bank, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community. Please do not contact the recruiter directly.
Job Summary
- Servicing existing and primarily walk-in customers to fulfil 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.
Strategy
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 contactsParticipate actively in branch sales planning to generate action plans for meeting targetsCandidate 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 situationsEnsure compliance with internal and external guidelines and ensure minimal comments in audits and other inspectionsEnsure transactions are processed with a high level of accuracy and commitment in order to satisfy customer needsEnsure validity and completeness of transactions processed and ensure concessions relative to exchange rate, fees, charges etc. are authorized / overridden by appropriate authoritiesEnsure adherence to laid down processes, facilitate first time resolution. Minimize rejections and customer complaintsMonitor 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 serviceTake responsibility for general reconciliation and control activitiesFind ways to improve operational efficiency and control costs to meet cost budgetsBe multi-skilled to handle all kinds of transactions and services in the bankManage growth and attrition of the base, facilitate customer up-streaming. Improve product per customerEnsure candidate is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC / CDD / EDD & Money laundering prevention. candidate 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 maintenanceResponsible 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 workplaceBusiness
Sales and Service Objectives :
Maximize sales performance to achieve given revenue targets for the zone as well as Distribution network through liability products [Current / Savings / Term deposits], wealth management products and asset related productsDevelop, implement and manage a best-in-class sales capabilityLead the implementation of the liability strategy at the BranchReview, analyze and manage the customer portfolio for profitable growthInitiate development of strategies for customer acquisition, retention, and cross sellSupport where necessary, via joint customer calls and identify potential customersTogether with Branch Managers, enhance the bank's image through area promotions, community activities etc.Manage service delivery in the network to the highest competitive standardsMonitor service standards for the network and audit expected behaviors.Processes
Operations & Compliance
Ensure satisfactory ratings in all internal / external audits conducted at all branches in the zoneControl and periodically check operational risks and workflowsReview key operational risks and efficiency indicatorsIntegration / Change Management
Facilitate the implementation of new systems and processes across the branch networkLead the transaction migration initiative at the areaSegment Ownership
Implement all segment / product initiatives in the zone (PRB / Premium / Personal / SME)Jointly own the delivery of segment / product (PRB / Premium / Personal / SME) targets with the branch managers & segment associate directorsPeople Management
Drive and embed a strong performance culture through inspiring, motivating, and rigorous performance management discipline. Develop and build talents within the network through optimal resourcing, capacity planning, succession planning and engagementsAchieve high employee engagement and satisfaction. Retain talent, check attrition. Manage and mentor network staff and Union interface to ensure overall employee satisfactionIdentify training, development and counselling needs for staffUndertake career growth planning for performers in the branch networkGovernance
Ensure candidate is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC / CDD / EDD and Money laundering prevention and ensure compliance thereto. Any suspicious transaction must immediately be reported as per guidelinescandidate is aware of bank's Mis-selling & Sales Policies and ensure adherence all the times within the networkPremises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenanceResponsible 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 workplaceEnsure that your actions do not put others at risk; Work in a healthy and safe mannerEncourage others to work in a healthy and safe mannerReport all accidents and incidents and bring to the attention of the management any hazard in the workplaceAs a manager you are also responsible for the health and safety aspects within your area of control. You need to ensure thatYour employees are adequately trained and supervised to perform their tasks in a safe manner and are free to raise any Health and safety issues and these issues are addressed appropriately.The contractors working in your area or for you are working in a safe & healthy mannerRegulatory & 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, escalate, mitigate, and resolve risk, conduct and compliance matters.Key stakeholders
WRB Head, Head - Affluent Banking, Region Area Director, Leadership Team, Department HeadsOther Responsibilities
Embed Here for good and Group's brand and values in India; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;Skills and Experience Technical Skills :
Strong knowledge of retail banking products (CASA, loans, deposits, insurance, investments).Wealth knowledge and customer handling skillsAnalytical skillsBehavioural Competencies :
Excellent communication skills and presentation skillsHigh level of inter-personal skills & integrityAbility to influence Senior Management and provide thought leadershipQualifications Educational Background :
Preferably a Master's Degree in any discipline, other banking certifications will be an advantageWork Experience :
Experience in running sizeable profit centers, distribution networks with full accountability for strategy, costs and revenue.Track record of successful multi-product sales in a retail business.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.
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