Team Leader Business Working Capital - Karachi

Job Summary

The role will be responsible for driving SME business growth by achieving agreed sales targets and ensuring Relationship Managers under supervision meet their objectives. The incumbent will solicit new SME customers in line with the bank’s sales strategy, rigorously adhere to account opening procedures, and conduct comprehensive credit risk assessments for trade and working capital clients.

Key Responsibilities

• Continuously review SME Banking processes, resources, and procedures to ensure service standards are met through effective capacity planning, removal of bottlenecks, and workflow improvements.
• Lead customer retention efforts by personally engaging in complaint resolution and gathering ad hoc feedback to enhance overall customer experience and satisfaction.
• Act as a catalyst for coordination among branch units, including Cash Management, Asset Sales, and New Acquisition teams, to deliver integrated and coordinated solutions to customers.
• Develop and maintain a robust database of prospective SME customers to support ongoing new business development and pipeline management.
• Acquire additional business relationships across assets, trade, transaction banking, and treasury management products to maximize wallet share.
• Cross-sell SME products and solutions to existing clients to deepen relationships and increase the overall SME portfolio for the bank.
• Achieve agreed business volumes, revenue targets, and portfolio growth objectives for SME Banking, while implementing and adhering to local and global standards for the segment.
• Keep customers informed about new products, services, and promotional campaigns to drive usage, engagement, and revenue.
• Ensure sustained revenue generation for the core SME Banking business through proactive relationship management and opportunity identification.
• Monitor the health and quality of the SME portfolio to ensure strong asset quality, timely identification of early warning signals, and portfolio retention and growth.
  
  

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.