Relationship Manager - SME Banking - Karachi

Job Summary

Drive sales growth by achieving targets and soliciting new Small and Medium Enterprise customers in line with the Bank's sales strategy. Keep the customers informed of products, services, promotions and cross-sell to expand the SME portfolio. Grow and maintain the a potential customer base for business development and ensure adherence to risk and policy standards in managing the existing client base.

Key Responsibilities

• Achieve the agreed sales target as given by the Team Leader.
• Solicit fresh customers as per agreed Bank’s sales policy, strategy, and targets.
• Ensure Account Opening procedures are strictly adhered to as per policies and guidelines.
• Promote the highest level of customer service and responsiveness to Consumer Banking Customers.
• Visit existing Business Banking Customer for relationship deepening.
• Intelligently access the needs and problems of the existing customers and guide them in the best solution of their queries and concerns.
• Monitor customers fund movement and identity where customers fall below criteria level.
• To follow the sales management process on a regular basis and submit required reports to the Branch Manager on a timely basis.
• Maintain close coordination with the Operations staffs to provide prompt and excellent service to the bank’s customers.
• Ensure the highest standards of know-your-customer requirements supported by documentation.
• Ensure credit portfolio is managed in an efficient manner with zero expired facilities.
• To ensure that the branch premises maintains highest standards of hygiene, cleanliness, and comfort.
• AML-Report monitoring - review & responding to reports daily, weekly, and monthly and highlighting any suspicious activities.
• Suspicious Transaction / Activity monitoring & timely closures of STRs raised.
• Monitor and follow AML guidelines – in compliance with Policy to ensure zero issues raised in ICD/Group/SBP Audits.
• Raise staff awareness through training and implement Group & Local policies on MLP – through master classes and other OL designed training programs.
• Ensure that exceptions from MLP reports are disposed properly and timely.
• Ensure backlogs are strictly tracked and escalated to appropriate levels – e.g. STR, Customer Due Diligence expiries, Daily Anti Money Laundering queries or any other AML-related concerns raised.
• To provide the highest level of personalized service to Business Banking Customers.
• To acquire additional business in the form of relationship as well as liabilities and assets, from the target market of Business banking.
• To achieve business, revenue, and target for the Business Banking and to implement local and global standards for the segment
• Revenue generation for the Core Branch Banking business
• Portfolio retention and growth
• Portfolio health and quality
• Continuous review of processes, resources & procedures to ensure that service standards are met through capacity planning, removal of bottlenecks and workflow changes.
• Customer retention efforts with personal involvement in complaint resolution and ad hoc feedback from customers.
• Act as a catalyst in achieving coordination among the various units within the branch, Cash Management, Asset Sales, and new acquisition team to ensure that customers get coordinated solutions.
  
  

Skills And Experience

• Sales and Customer Acquisition
• Customer Service and Relationship Management
• Monitoring and Reporting
• Compliance and Risk Management
• Operational Excellence
• Business Growth and Revenue Generation
• Process Improvement and Customer Retention
  
  

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.