Business Development Executive – Personal Banking

Introduction 1

Leading the way in International Banking.  We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East. And our heritage and values are expressed in our brand promise – here for good.   See our Brand and Values

Job Purpose

 

The purpose of this role is to function as a core contributor to the retail clients’ strategy in achieving segment-wise, multi product sales target and delivery of quality service, ensuring efficient and consistent delivery of customer delight.

• Onboard clients under PB proposition (revenue generating)
• To cross sell multiple retail banking products at the time of on-boarding NTB Employee Banking clients to increase revenue and client stickiness.
• Engage via on-site promotions/road shows, or via employee lists provided by companies.
• Initial primary focus on Credit Card & Loans, and gradually broadening to full range of retail products (Mortgages, Equity, Wealth & Insurance products).
• To execute sales and marketing strategies for Personal Banking.
• Achieve set goals and objectives as per Score Cards.
• Effectively breakthrough in to high profile corporate to ensure the right customer profile is tapped.
• Offer superlative service to all customers and potential customers of the bank. 

 

 

The Role Responsibilities

Business

• Achieve assigned Balanced Score Card targets whilst offering a Superlative service.
• Acquire NTB Personal clients on Personal Banking proposition.
• Connect with client, understand his/her financial requirement and provide solution (Need based selling).
• Prepare by conducting a back ground check on the company/client
• Explain proposition & requirements in full
• Pre-send product materials/description and bank proposition
• Meet in person and conduct a proper Need Based Conversation prior offering a solution (ensure Priority Banker joins if Affluent)
• Conduct through and proper KYC (Conduct fulfilment)
• Set up anchor products (Credit Card and Loans)
• Initiate discussion to cross-sell (Mortgages, Equity, Wealth & Insurance products)
• Educate and conduct initial set up for online, ATMs, Client Centre, and Branch
• Implement strong plans and strategies on company promotions to attract NTB PB clients.
• Ensure all Business and Marketing initiatives are effectively introduced and carried out.
• Ensure a seamless handover of the acquired Clients to deepening relationship Managers/Branches.
• Hold regular review meetings with reporting line manager to assess performance and workout future plans.
• To comply with all applicable money laundering prevention/KYC/CDD procedures as per group, local regulator and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and Line Manager.
• Ensure zero tolerance method for this aspect. Report any breaches or suspicious person/Relationships to local L&C, Finance, Credit and Operational Risk, SQ, Training and certification.
• Ensure strict compliance to all internal guidelines issued at both group and country level pertaining to HR, L&C, Finance, Credit and Operational Risk, SQ, Training and certification.
• Effective complain management and resolving system.
• Conduct proper customer due diligence and ensure miss-selling doesn’t take place.

Process

• Acquire sound knowledge on products and operational systems.
• Ensure proper controls are adhered to in expediting transactions.
• Ensure operational activity is documented to minimise risk and loss.
• Comply with all relevant policies and procedures covering regulatory, local and group requirements.
• Ensure control procedures outlined in the DOI are strictly adhered to.
• Ensure complains are monitored and closed on a timely manner.

Our Ideal Candidate

• Good communication and negotiation skills with the ability to influence outcomes.
• Prior exposure in the financial services industry would be an advantage.
• Experience in a target driven marketing role, including demonstrated success.
• Excellent Inter-personal skills, which encourages and promotes enthusiasm and team spirit.
• Knowledge of the Group Policy, Standards, Local Regulations and Legislation of the prevention of money laundering.