Job Summary
The Small Business Clients segment in SME Banking within Standard Chartered Bank aims to provide companies in Singapore with sales turnover of up to US$25m a suite of products to meet their financing, transactional and protection requirements.
As a Portfolio Sales Manager, you will be expected to actively engage and cross-sell to the Small Business Clients accounts in your portfolio to increase the Products Per Client (PPC) to maximise the clients’ affinity to the bank.
RESPONSIBILITIES
· Engage existing portfolio clients to cross-sell products including acquisition of Operating Accounts & Deposits, Wealth Solutions referrals (Bancassurance, Foreign Exchange, Investments), Straight2Bank sign-ups and activation, and referrals of loans products (including Business Instalment Loans, Business Property Loans)
· Actively participate in relevant Sales campaigns for client engagements
· Assist in the periodic reviews of accounts where necessary
· Ensure that there you abide strictly within the code of conduct expected of you within the bank
· Support your colleagues to jointly strive to grow the business to outperform as a team
Performance Measures
· Ensure portfolio revenue growth via active cross-selling of products, which includes revenue generated from digital channels such as S2B, Operating Account (OPAC), FX revenue etc.
· Ensure quality calls are made for concept-selling to create clients’ awareness
· Number of successful referrals made
· Ensure successful Wealth Solutions referrals
· No substantiated complaints or regulatory breaches
Key Responsibilities
Competencies
· Familiar with client due diligence processes
· Negotiation and closing skills
Work Ethic
· Punctual at work
· Self-driven, self-motivated, and a pro-active approach toward resolving issues
· Responsive, contactable and accountable to clients and internal stakeholders
· Team player ready to grow business, and ready to cover team members’ duties as necessary
· Appropriate dressing that must meet Bank’s standards
Skills and Experience
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 the team 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.
Our Ideal Candidate
- Tertiary education
- 2 plus years of relevant working experience in a direct B2B or B2C sales environment
- Must be comfortable to perform in a tele-sales environment.
- Familiar with basic mortgage financing principles.
- Familiar with basic working capital financing cycle
Role Specific Technical Competencies
- Familiar with customer due diligence processes including FATCA adherence.
- Knowledge of competitive environment in order to position Bank’s products appropriately.
- Familiar with basic mortgage financing principles including TDSR framework and applications.
- Familiar with basic working capital financing cycle and products for operating entities.
- Keen negotiation and closing skills.
- Knowledge and ability to determine and satisfy client needs and maintain a partnering relationship during engagements; includes influencing, communicating, presenting, facilitating, managing and developing others.
- Knowledge of organizational strategies, tools and techniques for understanding the needs of customers; ability to utilize these to create additional sales.
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
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 leave, parental/maternity (20 weeks), sabbatical (12 months 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.
Visit our careers website www.sc.com/careers
