Job Summary

•    To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial 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

Key Responsibilities

Strategy
•    To increase the market share in the city from current numbers in the compliant way, To hire the best talent in the market, to manage both P&L and Balance Sheet 

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 escalate 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

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, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders
•    Business 
•    Service 
•    Transaction Banking 
•    Treasury 
•    Trade 
•    FCC 
•    Product 
•    Compliance 

Other Responsibilities
•    Embed Here for good and Group’s brand and values in Business Banking, India. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Skills and Experience

People Management & Client Management 

Qualifications

•    University Graduate
•    Minimum 12 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 commercial 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.