Relationship Manager - SME Banking - Karachi

Job Summary

This role is responsible for achieving sales targets and managing the Small and Medium Enterprise (SME) business working capital efficiently. The position requires maintaining high standards of customer service and compliance. The ideal candidate should have experience in Corporate/Commercial Banking with a strong knowledge of Trade and Working Capital products.

Key Responsibilities

• Achieve the sales targets set by the Team Leader.
• Solicit new SME customers in line with the bank’s sales policy, strategy, and targets.
• Visit existing SME Banking Customers to deepen relationships and identify new business opportunities.
• Ensure strict adherence to Account Opening procedures as per policies and guidelines.
• Conduct thorough Credit Risk Assessments for SME Trade and Working Capital Clients.
• Prepare comprehensive Business Credit Applications for SME clients.
• Manage the SME credit portfolio efficiently, ensuring zero expired facilities.
• Promote the highest level of customer service and responsiveness to SME Banking Customers.
• Assess the needs and problems of existing SME customers, providing intelligent solutions to their queries and concerns.
• Monitor SME customer fund movements, identifying and addressing cases where customers fall below criteria levels.
• Follow sales management and credit processes regularly, submitting required reports to management in a timely manner.
• Maintain close coordination with Client Management and Operations staff to provide prompt and excellent service to SME customers.
• Ensure adherence to know-your-customer (KYC) requirements, supported by proper documentation.
• Monitor and respond to AML reports daily, weekly, and monthly, highlighting any suspicious activities.
• Ensure timely closure of Suspicious Transaction Reports (STRs) and compliance with AML guidelines to prevent issues in audits.
• Properly and timely dispose of exceptions from MLP reports.
• Ensure the branch premises maintain the highest standards of hygiene, cleanliness, and comfort.
  
  

Skills And Experience

• Corporate/ Commercial Banking with strong knowledge Trade and Working Capital products.
• Strong understanding of credit risk assessment and business credit application processes for SMEs.
• Excellent customer service and relationship management skills, specifically with SME clients.
• Ability to monitor and manage SME customer fund movements effectively.
• Proficiency in compliance and AML guidelines.
• Strong coordination and communication skills with internal teams.
  
  

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.