Senior Relationship Manager - Standard Chartered

Job Summary We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East. To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. Key Responsibilities Purpose • To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. • Contribute towards achieving team's overall target and delivering optimal portfolio return. • Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product. Business • Achieve individual financial and non-financial targets while contributing towards the team's overall deliverables. • Effectively generating new business - identify prospects and convert in line with the Bank's appetite • Strategically formulating account plan - provide clients' needs-based solutions, structure appropriate credit facility, and execute various banking transactions • Proactively building trusted client relationships - maintain a portfolio of active and growing customers • Market and sell broad range of products including Trade Services, Lending, Cash Management and Wealth. • Prepare credit proposal and loan application of customers; prepare annual review on timely basis. • Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy. • Implement agreed business plan to achieve sales/ revenue targets. • Generate creative ideas on customer acquisition and products/ services. • Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes. • Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct. 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. People and Talent • Embed Here for good and the Group's brand and values. • Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures. • Work effectively across SCB, using values behaviours to drive overall business growth. Risk Management • Abide by appropriate frameworks to guarantee that business is carried out within the Group's risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders. • Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM). • Abide by the Group's values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations among employees. • Ensure that Risk Management matters that are brought to the job holder's attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees. • Do what is right to avoid reputational risks and operational losses. Governance • Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation • Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable): • Anti-Money Laundering (AML) and all applicable money laundering prevention procedures • Client Due Diligence & Related Periodic Reviews • Client Suitability Standards • Treating Customers Fairly • Approval & review of Credit Applications • Maintain Documentary standards • Data Confidentiality • Cross-Border Policy • Sanctions • Environmental and Social Risk Management (ESRM) • Anti-Bribery and Corruption (ABC) Regulatory and 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. • Lead the Business to achieve the outcomes set out in the Bank's Conduct Principles. Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment. • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key stakeholders • Internal: Colleagues in SME and CDD teams, Product, Risk, Compliance, Affluent and Private Banking and other support Functions and Businesses. • External: Key clients. Other Responsibilities • Embed Here for good and the Group's brand and values. • Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures. • Work effectively across SCB, using values behaviours to drive overall business growth. Our Ideal Candidate • 5+ years of experience accomplished SME/Commercial Banking Relationship Manager with exposure in managing and acquiring Medium Enterprise clients. • Proven track record in new-to-bank business development, portfolio growth, and delivering revenue targets through lending, trade, cash management, FX, and wealth solutions. • Strong credit assessment and financial analysis capabilities with the ability to structure client-centric solutions while maintaining robust risk and compliance standards. • Well-networked within the local SME ecosystem, with excellent stakeholder management, communication, and relationship-building skills. Role Specific Technical Competencies • Credit Analysis • Financial Statement Assessment • Lending, and Credit Proposal Writing • Trade Finance, Cash Management, FX, Working Capital • Structured Lending solutions • AML, KYC, CDD, regulatory requirements • Risk governance frameworks About Standard Chartered We're an international bank, nimble enough to act, big enough fo