The Role Responsibilities

To assume all the Relationship Management responsibilities for the Fintech - New Payment Methods (\xe2\x80\x9cNPM\xe2\x80\x9d) client segment in Standard Chartered\xe2\x80\x99s Financial Institutions Group in Corporate and Institutional Banking (CIB) group. To assist the UAE Fintech Head in all matters relating to origination and business development.

• The CCIB Financial Institutions team is looking for an Associate Director to join us as an integral and pivotal member of the team who should possess exemplary values, an ability to work effectively across the bank\xe2\x80\x99s footprint and have a relentless approach to delivering for our clients.
• Key requirements include effective origination skills, relevant product knowledge and specific knowledge and experience in identifying and managing all Risks \xe2\x80\x93 (i) On-boarding, (ii) Financial Crime (incl. client activity reviews), (iii) Regulatory, (iv) Transactional, (v) Operational, (vi) Credit and (vii) Reputational pertaining to the Fintech/NPM sector.
• The successful candidate will be able to support the UAE Fintech Head in both building and originating new client relationships by providing service and solutions tailored to the clients\xe2\x80\x99 needs and acting as a content provider alongside our regional and global colleagues.
• Emphasis will be placed on appropriate assessment of credit, reputational, regulatory and operational risk when business decisions are made, demonstrating consideration for the SC\'s reputation and safeguarding its clients, compliance with applicable laws, rules and regulations, adhering to internal policies, and maintaining ethical judgment regarding personal conduct
• Candidate will be required to maintain a well-informed and forward-looking view of the client business, stay current on all aspects of the assigned portfolio, including industry trends, portfolio performance and pipeline, compliance with internal policies, potential risks and opportunities.
• Prepare and present on-boarding memos, credit discussion memos and client pitch books.
• Lead client on-site or telephonic diligence meetings.
• Maintain a strong working relationship with Product, Financial Credit Risk, Legal and Compliance and other key stakeholders.
• Lead segment initiatives.

Strategy

• The strategy is to focus on Fintech clients offering New Payment Methods (NPM) products and services such as Stored Value Card providers, Mobile/Digital Wallet Providers, Payment Service Providers, Third Party Payment Providers, and digital asset companies.
• Work with internal teams to formulate, present and deliver country and regional strategy to regional and global stakeholders in line with the bank\xe2\x80\x99s corporate plan.

Business

• Actively originate new business and grow the franchise by capitalising on bank competitive attributes whilst selectively developing new relationships where appropriate.
• Engage decision makers of key clients to improve the quality of dialogue with clients, achieving trusted advisor status through proactive, market leading and consistent coverage. Anticipate clients\xe2\x80\x99 needs and provide strategic advice, alongside the relevant product and industry partners.
• Maximise the capital accretive revenue to the Bank whilst maintaining focus on client outcomes, strengthening and deepening existing relationships both at the most senior level as well as at the operating level in the clients in the designated portfolio.
• Bring strategic thought and vision as to how the NPM landscape regionally/globally is changing and where areas of growth lie.
• Ensure that industry and product knowledge is continually developed personally and within the team.
• Stay abreast and anticipate the developments of the competitive and regulatory environment that affect our client\xe2\x80\x99s agenda and strategy.

Processes

• Proactively manage the designated client portfolio to ensure:
• Close ties exist with key stakeholders e.g. Transaction Banking, Financial Markets, Corporate Finance, Risk, Service Delivery, etc.
• Risks are appropriately identified and managed.
• The team is suitably trained with respect to an understanding of the regulatory environment, keeping up to date with applicable changes and Group policies with ability to contribute and, where possible, influencing policy formulation.
• Key regulatory risks and concerns are raised into the governance framework throughout the Fintech/NPM & FI team.
• All sales disciplines are adhered in accordance with CIB/GB standards i.e. Account Planning, Call Reports, Deal Pipeline Management.
• Develop opportunities through attendance at key Industry events as necessary

Risk Management

• Take the initiative regarding regulatory, reputational and ethical matters, taking the initiative for providing proactive advice to clients as identified.
• Ensure that key regulatory risks and concerns are raised into the governance framework locally and globally through the FI matrix as first line of defence.

Governance

• Responsible for assessing the effectiveness of the Group\xe2\x80\x99s 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.
• Responsible for delivering \xe2\x80\x98effective governance\xe2\x80\x99; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

Regulatory and 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, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• To perform and carry out the responsibilities achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

Key stakeholders

Internal:

• Engage with product partners within the country, region and globally to ensure the breadth and depth of client coverage.
• Engage with Client Managers on relevant client account management activities.
• Consult with senior stakeholders in Risk and Legal & Compliance to ensure that the portfolio remains credit worthy and within the policies of the bank.

External:

• Designated point of contact with NPM clients, acting as a trusted advisor/value added partner to clients.
• Peers in the Fintech/NPM segment.

Other Responsibilities

• Embed Here for good and Group\xe2\x80\x99s brand and values in the United Arab Emirates / CCIB / FI-BBD team. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate

• NPM RM certified \xe2\x80\x93 this can be done at any stage (before or after being hired).

Role Specific Competencies

• Effective Communication
• Knowledge of clients and products
• Relationship Management
• Regulatory Environment - Financial Services
• Financial and Compliance Risk for financial Institutions

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.

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