Job Summary
To pro-actively promote designated Retail Clients products and services and acquire new customers.
工作范畴：
主动推广指定的个人银行产品和服务及开发新客户。
Key Responsibilities
Key Responsibilities/Challenges:
- Participate in sales promotions and activities to achieve/exceed defined sales targets;
- Engage NTB Affluent clients via leads sourced from varies channels;
- A well thought-through, creative approach to satisfy customers, improve competitive advantage and improve performance;
- Actively cross-sell the bank other products / services and ensure annual financial budget is met;
- To provide quality, efficient before and after sales services;
- To prepare and consolidate accurate reports on sales activities;
- Based on a “shared sense” of purpose and approach within CB;
- Based on a clear division of roles (and no duplication of effort) within MD;
- Accountable for implementing and complying with AML requirements when performing duties;
- Understand, acknowledge and comply with the requirements onindividual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies;
- Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities;
- Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank;
- Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections;
- Cooperate with any investigations or reviews on regulatory failure such as accountability review.
主要工作职责/挑战：
- 参与促销活动，完成或超额完成指定的销售目标；
- 跟进销售机会，开发新客户；
- 以周全、创新的方法使客户满意，提升竞争优势及业绩表现；
- 主动销售银行其它产品和服务，确保达到年度销售业绩指标；
- 提供高质量、高效的售前和售后服务；
- 编写和维护有关销售活动的准确报告；
- 负责实施各项反洗钱的需求并且确保符合反洗钱的合规要求；
- 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；
- 跟上本地问责法律法规的发展，以有效地确保并强化内控；
- 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；
- 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
- 配合任何关于违反监管规定的调查或审查，例如，问责审查。
Strategy
- Responsibilities that are related to the development and implementation of a strategy, for example, Awareness and understanding of the Group’s business strategy and model appropriate to the role.
Business
- Responsibilities related to the delivery of business and / or financial objectives, for example, Awareness and understanding of the wider business, economic and market environment in which the Group operates
Processes
- Reference the processes for which the Role Holder is responsible, as per the Operational Risk Framework definition of first / second line, for example, Responsible for executing and supervising the Budget process.
People & Talent
Reference all responsibilities related to people and talent matters, for example:
- Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
- Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
- Employ, engage and retain high quality people, with succession planning for critical roles.
- Responsibility to review team structure/capacity plans.
- Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
Risk Management
- Responsibilities relating to identifying, assessing, monitoring, controlling and mitigating risks to the Group, as well as an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them. For example -The ability to interpret the Group’s financial information, identify key issues based on this information and put in place appropriate controls and measures
- All responsibilities under the Risk Management Framework – both execution and supervisory – should be referenced, for example, Act as the [Process] risk control owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for [Liquidity] risk.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)
Governance
- Responsibilities relating to the direction, planning, structure, frameworks (e.g. processes and policies) and oversight. For example, Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas; Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
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.
Key stakeholders
- List all responsibilities associated with the management of stakeholders e.g. regulators, other bank teams
Skills and Experience
- Credit Appraisal and Marketing Skills
Qualifications
- College/diploma degree or above;
- 1 year working experience or above in financial or mortgage / real estate Industry is preferred.
- Relevant experience in banking experience is preferred
- Good knowledge of bank products, policies, and business strategy
- Good credit appraisal and marketing skills with the ability to interpret financial information
- Strong personal integrity with zero disciplinary record in any previous job
- Good communication and presentation skills
- Presentable, good personality with good business etiquette
职位要求：
- 大专及以上学历。
- 一年以上金融或房贷或房产行业工作经验优先。
- 有相关银行行业销售经验者优先
- 了解银行产品、政策及经营策略。
- 良好的信用评价与营销技能，对金融市场有敏锐触角。
- 良好的个人诚信，无任何纪律处分纪录
- 良好的沟通，表达及学习能力。
- 优良的个性品质，勇于销售及解决业务过程中的问题。
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.