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Senior Manager Karachi: Design and implement methodology to effectively monitor business performance vis-a-vis business plans

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Key Roles & Responsibilities

– Create performance metrics for branch banking, design and implement methodology to effectively monitor business performance vis-a-vis business plans.
– Evaluate resource utilization by branches, identify and plug revenue leakages.
– Maintain branch headcounts and monitoring inter and intra-branch staff movements.
– Review all branch banking processes with aim to make them robust in terms of cost.
– Design and make sure the implementation of operational risk dashboards, develop strategy to minimise audit issues/concerns and cash issues.

Qualifications & Skills

Minimum Masters degree with professional qualification (preferred) with 5 to 7 years of relevant experience

How To Apply

You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:

– You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role

– Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
– We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application

It usually takes 15 – 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.

Closing Dates

The closing date for applications is dd/mm/yyyy. Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.

Diversity & Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Apply Now

Assistant Relationship Manager Islamabad:

Department: Standard Chartered Modarba

Grade:G8
Reports To: Head Client Relationship-Islamabad
Location: Islamabad

Job Description

1.To develop new business and assist Relationship Manager/Senior Relationship Manager / Head CR – Islamabad in developing new profitable business relationships & ensure buut aaya rumba in Islamabad & northern region. Customers comprise of MNCs, Local Corporates, and ME/SME/Commercial / CLS clients.
2.Achieve optimum utilization of approved lines, and maintain the required asset yield through marketing of SCM’s products (Ijara / Leasing & Diminishing Musharika etc).
3.To ensure portfolio compliance with the pre-defined parameters of SCM’s policy / Country Portfolio Standards.
4.Deposit mobilization (assisting the RM/SRM) under Certificate of Musharika (COM).
5.Credit risk review. Ensuring timely submission of credit reviews/ BCAs and full compliance with group guidelines for the relevant portfolio.
6.Monitoring of asset risk, monthly repayments and documentation discrepancies for the relevant portfolio.
7.Identify and develop cross-functional business opportunities.
8.To serve as a contact person for customers mapped to her for enquiries and problem solving for day-to-day business.
9.Contribute positively towards the overall business objectives of the team.
10.Natural progression to the RM Position depending upon performance

1.Assist the team in establishing, developing and maintaining a portfolio of SCM clients within business unit’s target market, ensuring that new relationships or ongoing requirements of existing clients attain maximum revenue within acceptable risk profile requirements. Market to existing and potential clients the full complement of products and services offered by the Modaraba.
2.To assist in soliciting business from ME/SME/HNW Individuals under Commercial Leasing Scheme (CLS).
3.Prospecting HNW individuals and cash rich organizations to generate COMs.
4.Conduct detailed financial analysis of the client accounts and develop proposals within defined Group procedures that meet the client needs. Further adopts appropriate relationship management strategies to protect the Modaraba’s interests at all times, e.g., potential default, and to meet the clients’ expectations of the relationship.
5.Ensure timely submission of credit reviews / BCAs and full compliance with group guidelines. “Zero overdue” review position to be maintained. Ensure complete implementation of Group Operational Risk Policies and its components, in spirit and substance.
6.Ensuring portfolio compliance with Group Standards for both Credit and Audits. Minimum audit rating of ‘2’ to be achieved / maintained. No adverse comment or report on accounts managed, which is to be evaluated based “on no financial / reputational loss” to SCM.
7.Ensure that all related administrative functions, most importantly file maintenance, including regular asset inspections, risk trigger monitoring, call reports, periodic updates on financial performance of borrowers, are performed meticulously with an aim to be prepared for audit at all times.
8.Promote / develop SCM’s portfolio through inter-departmental linkages for effective cross sell to ensure implementation of ‘ONE BANK’ in referrals of Business deals / working relationships. Cross – selling of Group’s products through joint calling with Corporate Banking, Consumer Banking, Cash Management and Trade.
9.Contribute in the development of new products and revision of current business practices.
10.Assist Client Relationships team in all including administrative tasks at SCM, Islamabad.
11.Contribute to the accomplishment of satisfactory audit rating for Credit & Marketing by the Group Audit via adopting a diligent approach for all the responsibilities / tasks.
12.Develop and foster close working relationships with existing internal & external customers.
13.Proactively process customer’s request for lease terminations, lease maturity, authority letters, NOC’s, balance confirmation, etc.
14.Preparation of all documents needed to meet regulatory, auditing and internal compliance requirements (eCDD, etc.)
15.To respond promptly and with a helpful attitude to customer enquiries or requests related to SCM products.
16.Ensuring that portfolio review/audit results in good ratings and nothing negative is highlighted in the accounts allocated.

6.KEY RELATIONSHIPS INTERNAL

1. Credit Risk Control, Finance & Accounts, SCM.

2. M.C., SCO’s, and Group Credit Risk.

3. CIC & Commercial SCBPL.

4. Cash Management.FOR

Matters relating to documentation, portfolio control, procedures and periodic reporting (MIS on customers, lease restructuring issues, balance confirmations, lease terminations, etc).

Relating to the approval of limit applications, excesses etc.

Matters relating to group synergies especially with overlap customers.
Relating to foreign exchange, interest rates and derivatives for corporate services and products for corporate clients.

Identify suitable clients and initiate introduction through joint calling.

5. Trade Services.

6. Head Client Relationships

7. Global Account Managers

EXTERNAL

1. CEOs Senior executives / Owners of corporates

2. External Professional Advisors (e.g. lawyers, accountants, valuers etc.)

3. Contacts in the leasing industry & motor vehicle dealerships.

4. Representatives of NGOs & Trust funds.

Relating to foreign trade transactions and products and setting up of routine joint calling programmes.

For ‘account’ specific or procedural matters.

For approvals of facilities for customers that are managed on a global basis.

FOR

Business Development & relationship building.

Customer specific issues

Development of referrals, market information and credit checks on existing & prospective customers.

7. Deposit mobilization.

CONTRIBUTES TO
1.The achievement of individual revenue targets and overall SCM’s marketing strategy.
2.Revenue generation for SCM and SCB through Cross Sell.
3.Takes on adhoc projects e.g. Team budgeting, preparation of reports, initiation of Product Programs etc.
8. JUDGEMENT/
COMPLEXITY
1.Judgement must be exercised continuously in order to identify, assess, structure and service profitable business and cultivate existing opportunities as well as to introduce control measures over, or the disengagement of, account relationships which represent deteriorating risks, in order maintaining the quality of the lending portfolio.

2.Each Relationship requires unique account relationship and management and the competitive market leaves no room for mistakes.

3.Requires keeping  of product development at SCM to maximise business opportunities for the Modaraba.

Qualifications & Skills

1.Business or accounting related degree.
2.Minimum 1-2 years experience in a corporate / banking environment of which minimum 1 year should be of managing corporate client relationships.
3.Sound understanding of lease structuring and Islamic finance products.
4.Good Credit appraisal and marketing skills, with the ability to interpret financial information.
5.A good understanding of the general, economic, political and business environment.
6.Good PC skills.
7.Good communication (written and verbal) and negotiation skills.

Closing Dates

The closing date for applications is 16/03/2015. Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.

Diversity & Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Apply Now

 

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