SCB Bank / CS / Pune-Mumbai

Job Description:

Job Summary

• Creates and conducts proposal presentations for the portfolio assigned.
• Responsible to maintain cordial relationship with the corporate clients.
• Drive revenue growth to the business with the existing and new corporate customers.
• Ensure knowledge about the market all times to upgrade and rise up to the occasion.
• Ensure that individual targets are met, along with group targets.
• Ensure productivity and cross-sell various products.
• Focus on acquiring new clients - identification of targets
• Plan the client acquisition strategy.
• Resolving customer queries and other service issues to maintain customer satisfaction and to meet client excellence.
• Leveraging business from new and established client relationships.
• Managing both assets and liabilities.

Key Responsibilities

Strategy

• Meet the business objectives initiated by the respective country Retail Clients business
• Customer focus need-based selling
• Deepen customer relationship and maximize penetration
• Fullfills corporate employees’ banking needs including payroll and other retail products.

Business

• Achieve personal sales target
• Segment focus, customer focus needs-based selling
• Actively reducing Non- funding, Sales Error and Increase the Premium Sourcing.
• Job requires generating referrals / cross-selling other products of the bank, such as investments, insurance, mortgages, credit cards ,personal loans etc All relevant internal and external certification to be completed prior to referring / selling wealth products.
• Help Drive the Employee Banking one bank agenda

Processes

• Operational quality - Errors free customer application & documentation
• Responsive and responsible selling
• Practice appropriate sales and marketing

Risk Management

• Conduct CDD, MLP & TCF diligently
• Zero tolerance – Fraud, Mis-selling
• Attend training, acquire knowledge and apply to job function

Governance

• Adhere to all policies, guidelines and procedures, comply with local regulatory requirements
• To comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager

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.
• Lead to achieve the outcomes set out in the Bank’s 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

• Direct Sales – Corporate Salary account

Skills And Experience

• Prospecting
• Product knowledge
• Upselling & Cross selling
• Time management
• Willingness to learn

Qualifications

MBA (MARKETING)

• Must be a graduate. MBA’s will be preferred.
• Sales experience of at-least 1 year in the FMCG, Office automation or Retail Banking industry would be an advantage.
• Experience in handling Deposit and Asset Products of a Bank would be an advantage but not a pre-requisite.
• Good knowledge of the selected market and customer segments would be an advantage.
• Strong communication and negotiation skills with the ability to influence outcomes.
• Strong inter-personal skills, which encourages and promotes enthusiasm and team spirit.
• All relevant internal and external certification to be completed prior to referring / selling wealth products