Business Development Executive - Personal Banking

Full Job Description

Role Responsibilities

Promote Credit Cards, Loan on Card, Personal loan, and any other products related to the Consumer, Private & Business Banking agenda to the target segments by visiting the customer & following up consistently

Strategy

•   Plan daily/weekly/monthly sales activities to achieve the monthly lodgment and approval targets.

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 background 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).

Processes

• Acquire sound knowledge on products and operational systems.
• Ensure proper controls are adhered to in expediting transactions.
• Ensure operational activity is documented to minimize 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.

People & Talent

• Management and development of existing relationships with customers to ensure maximum realization of profitable sales potential .
• Do the right thing: Be brave, be the change; Think client; Live with integrity.
• Never Settle: Continuously improve and innovate; Simplify; Learn from your successes and failures.
• Better together: See more in others; How can I help? Build for the long term.

Risk Management

• To comply with all applicable money laundering prevention/KYC/CDD procedures as per group, local regulator and 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.

Governance

• Ensure strict compliance with all internal guidelines issued at both group and country level pertaining to HR, L7C, Finance, Credit and Operational Risk, SQ, Training and certification.

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 Sri Lanka / Voice & Virtual / Telesales 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.

Key stakeholders

• Retail management team and branch management.

Other Responsibilities

• Embed Here for good and Group’s brand and values in Sri Lanka / Voice & Virtual / Telesales team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

• Completion of Advanced Level examination.
• Good communication skills.
• Willing to work as a team.
• Target driven and self-motivated individuals.
• Experience in the relevant field will be an added advantage.

Role Specific Technical Competencies

• Addressing Customer Needs
• Customer Interaction
• Cross-Selling
• Effective Communications
• Customer Support Policies, Standards and Procedures

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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