JOB SUMMARY
Key Responsibilities
- RM is responsible for origination and would work closely with
Acquirer and CSM in on boarding clients, deepening relationships, and
driving revenue growth.
- RM is responsible for post deal account maintenance and
managing the risk associated with the portfolio.
- Oversee CSM who has the responsibility for post transactional
activities and the CA for credit related activities.
Business
- Drive deepening activities with high-value or high potential
clients with full range of BC products, continuous analytics support, and
collaboration with Business Specialists.
- Meet clients when required (i.e. once a month)
- Acquire and activate new clients referred from ETB clients
directly to Business Clients RM/Team
- Maintain integrity of clients’ credit portfolio through
monitoring, early action and remediation actions
Processes
- Relationship deepening by proactively reaching out to &
engaging with high value Business Clients & “Hidden larger Businesses”
as per the mandated protocols
- Acquiring from ETB client referrals (MGM)
- On boarding clients on Business working capital (BWC)
proposition.
- Supporting the client on any client-initiated needs
- Delivering on transactions, service requests, Mobile/Web
training
- Updating CDD/ AML
- Managing Client’s credit situation
People & Talent
- Work close with CA and CSM to make sure the credit files are
complete and up to date
- Attend various internal or external sales/ non sales meetings
like ASTAR, CAT, MTM calls, Portfolio Review Meeting and convene the
consortium meetings where we are the lead bank.
- Maintain record of Confidentiality Agreement (Sales Team
Leader to maintain file & copies will also be held by signatories to
the agreement)
- Provides feedback to management and internal departments
regarding customer service quality, product issues, customer complaints
etc.
Risk Management
- Ensure adherence to risk management, both reputational and
operational.
- Ensure you remain alert to the risk of money laundering and
assist in the bank’s efforts in combating it by adhering to the key
principles in relation to: –
- Identifying your customer, knowing your customer, reporting
suspicions, safeguarding records, and not disclosing suspicions to
customers.
- Ensure you remain alert to the risk of money laundering and
assist in the Bank’ efforts in combating it by adhering to the key
principles in relation to identifying your customer, knowing your
customer, reporting suspicions, safeguarding records, and not disclosing
suspicions to customers
Governance
- Ensure adherence to the Risk Management Framework, Group Code
of Conduct and various Policies, Procedures and Guidelines of the Bank by
the Business Banking, Relationship team.
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.
- Manage Medium Enterprises Portfolio to achieve the outcomes
set out in the Bank’s Conduct Principles:
- Effectively and collaboratively identify, escalate, mitigate,
and resolve risk, conduct and compliance matters.
- Embed the Group’s Values and Group Code of Conduct to ensure
adherence with the highest standards of ethic. Comply with relevant
policies, processes, and regulations, as part of the Bank’s culture.
Key Stakeholders
Internal
- Head, Business Banking.
- Head, Medium Enterprises.
- Head, Client Relationships.
- Trade Product Manager & Trade Operations.
- Head, Credit Analysis.
- Credit & Risk team.
- Financial Markets & CMPS.
- Transactional Banking & CRC.
- Client Deepening and Portfolio Strategy Manager
- Portfolio Monitoring & Controls Manager
- Business Operations & Risk Management.
- Branch Managers.
- Client Experience team.
- CFCC
- Legal
External
- Clients
- Legal Firms
- Accountants
Other Responsibilities
- Embed Here for good and Group’s brand and values in Kenya,
CPBB Medium Enterprises.
- Perform other responsibilities assigned under Group, Country,
Business or Functional policies and procedures; Multiple functions (double
hats).
- Origination, ensure quality client acquisition, identify
prospect, and convert in line with Bank’s appetite and ME Segment
Strategy.
- Client Onboarding & Deal Execution.
- Account Management & Portfolio Quality
Role Specific Technical Competencies
- Business Performance Management
- Business Case Justification
- Problem solving
- Business Markets
- Customer Behaviour and Preferences
- Collaboration
- Take the lead
Qualification
Product broadening
- Understanding of businesses and financials.
- Enhanced multi-product Business Banking knowledge.
- Market and competition knowledge.
Client engagement
- Presentation and soft skills tailored to engaging business
owners.
- Internal stakeholder engagement skills.
- Closing deals.
Ability to drive and manage client interaction.
- Communication and presentation skills.
- Negotiation and objection handling.
- Client training on digital solutions.
Journey completion
- Discipline and time management to handle a client portfolio
- Ability to solve problems and close issues without handing
over
- Strong analytical ability
- Understanding of BC KYC/CDD principles
How To Apply
