Role Responsibilities Assist in developing & designing the Affluent Client Value Proposition (CVP) with strategic operation plans, programs, and procedures to grow the Affluent portfolio
Strategy
Assist in delivering the Affluent agenda across various core business metrics:
Growing the affluent portfolio through consistent new to bank acquisition and campaign construct for client and staff.
Developing Premium Banking as feeder into Priority banking for qualified client growth.
Actively manage the balance sheet to ensure optimization of returns
Ensure balance sheet growth, assets & deposits, addressing Operations, Compliance and Service Delivery risks
Regulatory Reporting, Internal MIS management & rates management
Business
Assist in implement acquisition programs and global acquisition tool kits
Ensure provision of value-added products to the existing/ potential retail clients and constantly meeting/ exceeding their service expectations.
Work closely with Marketing to build a strong positioning in the market
Activating sources of leads to achieve business targets (MGM, digital, marketing campaigns, ecosystem, Executive Banking, alliances)
Prepare localized offers, pitch-book and campaign scripts
Give inputs for development of product/ service bundles, with a view to aid client deepening and cross-sell across segments
Expand market share through Debit card spends and liabilities balances growth
Accountable for product management decision including marketing collaterals implementation, and ATL/BTL exposure
Identify and present innovative and creative product solutions, pricing management and cost planning
Improve market probe and customer satisfaction
Assist in preparing personalized offers and campaigns (win-backs, product-centric).
Assist in enhancing RM\xe2\x80\x99s capability to drive better client conversations, while utilizing analytics models for new opportunities by identifying clients with high off-us potential to improve our wallet share.
Utilize an agile approach through continuous frontline and client feedback, implementing changes and provide ongoing support to optimise the implementation.
Drive service improvement and customer experience initiatives
Identify business and operational requirements based upon the business requirements & objectives
Risk Management
Ensure effective management of operational risks within the function and compliance with applicable internal policies, and external laws and regulations.
Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation.
Effective processes are established and maintained to identify, manage, monitor and report risk
Systems and procedures to safeguard the security, integrity and confidentiality of information
Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation.
Ensure that the Portfolio operates within Bank Operational risk parameters including product audits and compliance
The ability to interpret the Group\xe2\x80\x99s financial information, identify key issues based on this information and put in place appropriate controls and measures
Governance
Ensure compliance with global AML & CDD standards
Ensure appropriate operational procedures and controls in place to operate within the Operational Risk appetite framework
Ensure compliance to internal and external regulations
Ensure ORF / process universe adoption and governance
Work collaboratively with FCC, AML, L&C on Due Diligence and all other processes as needed
Provide input to governance and operational risk to define measures and controls for prevention
Work collaboratively with Financial Crime Compliance, AML, L&C on Client Due Diligence & KYC processes
Regulatory & Business Conduct
Display exemplary conduct and live by the Group\xe2\x80\x99s 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, to all applicable laws, regulations, guidelines and the Group Code of Conduct.
Manage regulatory relationships in relation to the CPBB business in the UAE.
Embed the Group\xe2\x80\x99s Values and Group Code of Conduct to ensure adherence with the highest standards of ethics. Comply with relevant policies, processes and regulations, as part of the culture. Embed Here for good and Group\xe2\x80\x99s brand and values in the UAE
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
Wealth Management
Corporate Affairs, Brand & Marketing
Finance
Retail Analytics & SBIM
Client Experience
Conduct and Financial Crime Compliance
Saadiq (Islamic) Banking
On-Boarding & CDD Governance
Operational Risk
Priority & Premium Banking Unit Heads
Digital Banking
GBS
Our Ideal Candidate Role Specific Technical Competencies
Spot Opportunities
Solve Problems
Take the Lead
Build Resilience
Collaborate
Communicate
Deliver Sustainably
About Standard Chartered
We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 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
Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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, parental/maternity (20 weeks), sabbatical (12 weeks 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.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you\'ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.