Relationship Manager

Relationship Manager- Business Banking

Job ID: 12426
Location: Pokhara, NP
Area of interest: Retail Banking
Job type: Regular Employee
Work style: Office Working

RESPONSIBILITIES

Strategy

• Drive both Lending and Deposit business under Business Banking.
  Retain & grow share of existing customer base to sustain and increase the CPBB and overall SCBNL profitability by:
• Retaining profitable existing customers by offering right products and through superior personalized service.
• Developing & executing strategies to expand our client base.
• Cross-sell full range of product/services.
• Increase overall customer profitability by re-pricing appropriately and rationalizing costs.
• Efficiently & effectively assessing & managing credit risk.
• Monitor the conduct of accounts & recording appropriate course of action
• Identify potential process/service enhancements
• Introduce new products/sub-products, variant to products & services

Business

Financial Management

• Drive & lead the BB business to achieve the budgeted Risk Assets, Revenue, Trading Profit and EP.
• Actively contribute to achieve the financial results of the BB and Bank as a whole by working closely with cross functional partners for achieving the ‘One Bank Strategy” for Nepal.
• Contribute towards effective management of the BB’s financial results/budget.
• Recommend /determine appropriate pricing and other business strategies for other products apart from BB appropriately.

Customer Management

Sales:

• To retain & grow share of existing borrowing customer base to sustain & maximize SCBNL profitability by consistently meeting or exceeding client expectations through superior customer service.
• Pro –actively developing & maintaining a detailed understanding of clients’ business & financial needs by developing & executing client strategies as:
• Identify, target & realize new business opportunities through provision of new CB/SCBNL products & services (Include a structured call & care program where appropriate)
• Increase overall customer profitability by managing price realization & cost to serve
• Develop referrals & liaise with different stakeholders to develop new customers by actively seeking referrals from existing customer & other Business UnitsService:

To achieve budget by driving improvements in productivity through:

• Removal of service negatives
• Standardization
• Continued re-engineering of process flows
• Best Practice Migration
• Personally, live and promote the valued behaviour.

Monitoring Performance

• Closely monitor accounts and ensure SAM reports are put up as required.
• Track competitor activity at the Country level and effectively counter the same.
• Continuously provide feedback to the Head-CPBB of the acceptance of the products in the market and suggested changes that could provide impetus to the sales efforts.
• To ensure CDD/KYC/AML is duly completed on time.

Processes

Good Governance & Risk Management

• Ensure identification & assessment of all risk inherent in credit exposures and ensure quality judgments are made.
• Ensure adherence to SCBNL/Group credit policies as appropriate when recommending/supporting loan proposals.
• To proactively monitor the credit quality of portfolio.
• To act as contact point for the unit to work with CDD Operations and Country Risk & Control to ensure money – laundering prevention and compliance risk issues are addressed.

Risk Management

• Ensure identification & assessment of all risk inherent in credit exposures and ensure quality judgments are made.
• Ensure adherence to SCBNL/Group credit policies as appropriate when recommending/supporting loan proposals.
• To proactively monitor the credit quality of portfolio.
• To act as contact point for the unit to work with CDD Operations and Country Risk & Control to ensure money – laundering prevention and compliance risk issues are addressed

Governance

• Ensure identification & assessment of all risk inherent in credit exposures and ensure quality judgments are made.
• Ensure adherence to SCBNL/Group credit policies as appropriate when recommending/supporting loan proposals.
• To proactively monitor the credit quality of portfolio.
• To act as contact point for the unit to work with CDD Operations and Country Risk & Control to ensure money – laundering prevention and compliance risk issues are addressed.

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles

​​​​​​​Key Stakeholders

• Branches
• CMO
• Client Management
• Credit

Qualifications

• Education Bachelors in commerce

Role Specific Technical Competencies

• Basic computers

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.