City Head - Employee Banking

Job Summary

Servicing existing and primarily walk-in customers to fulfill the specific transactional needs of the customer through high quality customer service while increasing product penetration through cross sell and achieving allocated portfolio and revenue targets.

Core Responsibilities

Strategy
•    Maximize sales performance to deliver on given revenue targets (self and branch) through liability products [Current /Savings /Term deposits], wealth management products and asset related products (secured, unsecured)
•    Generate new business via sales promotions, out-marketing calls and presentations and in-branch contacts
•    Participate actively in branch sales planning to generate action plans for meeting targets
•    He/she is aware of bank’s Mis-selling & Sales Policies and guarantee adherence all the times.
•    Secure high level of customer service in the Branch. Run difficult customer situations
•    Guarantee compliance with internal and external guidelines and secure minimal comments in audits and other inspections
•    Ensure transactions are processed with a high level of accuracy and commitment in order to satisfy customer needs
•    Guarantee validity and completeness of transactions processed and secure concessions relative to exchange rate, fees, charges etc. are authorized/ overridden by appropriate authorities
•    Ensure adherence to laid down processes, facilitate first time resolution. Minimize rejections and customer complaints
•    Monitor customer satisfaction survey ratings, net promoter score or any other survey/ feedback ratings taken from customers and guarantee continuous improvement if below benchmark, sustain and better-quality service
•    Take responsibility for general reconciliation and control activities
•    Find ways to strengthen operational streamlining and control costs to meet cost budgets
•    Be multi-skilled to handle all kinds of transactions and services in the bank
•    Oversee development and attrition of the base, facilitate customer up-streaming. Upgrade product per customer
•    Guarantee he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD & Money laundering prevention. He/she must secure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer.
•    Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
•    Tasked with health and safety for all. As part of the Health and Safety guidelines you should:

•    Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace;
•    Make sure that your actions do not put others at risk; Work in a healthy and safe manner;
•    Encourage others to work in a healthy and safe manner;
•    Report all accidents and incidents and bring to the attention of the management any hazard in the workplace

Business
Sales and Service Objectives:
•    Maximize sales performance to reach given revenue targets for the zone as well as Distribution network through liability products [Current /Savings /Term deposits], wealth management products and asset related products 
•    Shape, implement and oversee a best-in-class sales capability
•    Lead the implementation of the liability strategy at the Branch
•    Review, analyze and handle the customer portfolio for profitable progress
•    Initiate development of strategies for customer acquisition, retention, and cross sell
•    Support where necessary, via joint customer calls and spot potential customers     
•    Together with Branch Managers, enhance the bank’s image through area promotions, community activities etc. 
•    Handle service delivery in the network to the highest competitive standards 
•    Monitor service standards for the network and audit expected behaviors.

Processes
Operations & Compliance
•    Ensure satisfactory ratings in all internal/external audits conducted at all branches in the zone 
•    Control and periodically check operational risks and workflows
•    Review main operational risks and effectiveness indicators

Integration/ Change Management
•    Facilitate the implementation of new systems and processes spanning the branch network
•    Lead the transaction migration initiative at the area

Segment Ownership
•    Implement all segment/ product initiatives in the zone (PRB/ Premium/ Personal/ SME)
•    Jointly own the delivery of segment / product (PRB/ Premium/ Personal/ SME) targets with the branch managers & segment associate directors

People & Talent 
People Management
•    Drive and embed a solid performance culture through inspiring, motivating, and rigorous performance management discipline. Create and create talents within the network through optimal resourcing, capacity planning, succession planning and engagements
•    Attain high employee engagement and satisfaction. Retain talent, check attrition. Handle and mentor network staff and Union interface to ensure overall employee satisfaction
•    Spot training, development and counselling needs for staff
•    Undertake career development planning for performers in the branch network

Governance 
•    Ensure he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD and Money laundering prevention and guarantee compliance thereto. Any suspicious transaction must immediately be reported as per guidelines
•    He/ She is aware of bank’s Mis-selling & Sales Policies and secure adherence all the times within the network
•    Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
•    Tasked with health and safety for all. As part of the Health and Safety guidelines you should:
•    Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace
•    Make sure that your actions do not put others at risk; Work in a healthy and safe manner

•    Encourage others to work in a healthy and safe manner
•    Report all accidents and incidents and bring to the attention of the management any hazard in the workplace
•    As a manager you are also in charge of the health and safety aspects within your area of control. You need to ensure that
•    Your employees are adequately trained and supervised to carry out their tasks in a safe manner and are free to raise any Health and safety issues and these issues are addressed appropriately.
•    The contractors working in your area or for you are working in a safe & healthy manner

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, covering regulatory and business conduct, spanning Standard Chartered Bank. This includes understanding and guaranteeing compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Successfully and collaboratively recognise, escalate, mitigate, and resolve risk, conduct and compliance matters.

Main stakeholders
•    WRB Head, Head - Affluent Banking, Region Area Director, Leadership Team, Department Heads

Other Responsibilities
•    Embed Here for good and Group’s brand and values in India; Execute other responsibilities assigned under Group, Country, Business or Functional policies and procedures;

Abilities and Experience

Technical Capabilities:
•    Robust grasp of retail banking products (CASA, loans, deposits, insurance, investments).
•    Wealth understanding and customer handling competencies
•    Analytical abilities
•    Proficiency in using banking software/ application and CEMS systems.

Behavioural Competencies:
•    Strong communication competencies and presentation abilities
•    High level of inter-personal capabilities & integrity
•    Aptitude to influence Senior Management and give thought leadership

Qualifications

Educational Background:
•    Preferably a Master’s Degree in any discipline, other banking certifications will be an advantage
Work Experience:
•    Background in running sizeable profit centers, distribution networks with full accountability for strategy, costs and revenue.
•    Track record of successful multi-product sales in a retail business.

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 prospects 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 partner 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 upgrade 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 develop 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 covering 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 abilities, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your expansion, with openings 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, spanning our teams, business functions and geographies - everyone feels respected and can realise their full potential.