Team Leader, AT, BB

Job Description

* Role Responsibilities Scope of Role: To lead and drive a sales team in achieving agreed sales volume and profit objectives by acquiring, growing and retaining profitable Business Banking customers within acceptable risk parameters. To contribute towards achieving the region s overall Business Banking targets and delivering higher EP. Key Responsibilities/Challenges:
• To coach, manage and lead a Business Banking team in customer acquisition and retention, portfolio management and growth.
• Ensure team are well managed to deliver business performance and achieve targets
• Deepen relationship with Business Banking customers in providing effective need based financial solution.
• Generate new business via direct selling to customers and referrals from different approved sales channels.
• Build and expand existing customer relationships via in depth analysis of their needs.
• Identify and prioritize activities to maximize revenue contribution from the high potential customers.
• Manage the risk of the portfolio on an ongoing basis through proactive monitoring of customers, their transactions and developments in the general business environment.
• Maintain a high level of professionalism in dealings with customers.
• Ensure that customer due diligence is properly carried out by RMs, and other anti - fraud checks.
• Consult and recommend strategies where account management or recovery is needed on problem accounts, assisting CMR / GSAM in identifying sources to expedite loan recovery.
• Work closely with branch service staff and other Business Banking service centers to ensure a high level of after-sales service is provided to Business Banking customers.
• Give regular feedback to management on product and processes based on customer feedback.
• Identify and develop high potential team members.
• Identify and manage-out low performing team members.
• Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.
• Fully understand the importance of consumer rights protection, prevent damage to consumer s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.
• Failing to pass D1R for sales will be considered as assessment basis for job incompetency.
Selection Criteria:
• Preferably with experience in Business Banking or Commercial Clients.
• Good leadership in demonstrating and promoting change
• Excellent interpersonal skills and communication skills.
• Good facilitation and inter-personal skills
• Must be able to read, speak & write Chinese.
• Credit Risk Analysis
• Customer Relationship Management
• Data Conversion & Reporting
• Legal & Regulatory Knowledge
• Market/Competitor Knowledge
• Product Knowledge
• Risk Management
Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time. Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the CPBB essential , the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee s employment contract immediately. For employee who has passed the probation, failing to pass the CPBB essential will be taken as assessment basis for job incompetency. Before attend and pass the CPBB essential class, the employee should not perform any kind of business communication / engagement to customers.Please note that the job description above will be reviewed during the Job Objective setting every year, which may be amended and agreed where necessary by the employee and the 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 [Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators give them your full co-operation, Respect our communities and the environment]
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Other Responsibilities
• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
• Cooperate with any investigations or reviews on regulatory failure such as accountability review
• Properly perform the duties on management and ensure the effectiveness of internal control
• Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership
• Be responsible for significant losses due to failure of effectiveness of internal control
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Keyskills :
coachingcustomer relationsdue diligencerisk analysisportfolio managementsales