Job Description:
Sales and Marketing
Consistent delivery of sales targets with a view to remain apart with the monthly run-rate.
Directional sing the sales effort through development and execution of structured sales plans based on sound knowledge of market variables and customer needs.
Spearhead efforts for marketing new relationships
Pro-actively gear up sales efforts, in line with changes in business strategy, constantly innovating and providing tailor-made solutions.
Foster a culture for teamwork through encouraging cross-selling efforts across all channels within the branch and other Consumer Banking units.
Enhancement of the bank’s image by maintaining a customer friendly and vibrant environment within the branch, community activities, and close contact with other service providers and external business partners.
Liaise with Marketing and contribute in the development of new products and actively participate in launching products like staff training, campaigning and monitoring of business targets, to derive maximum mileage out of rollout.
Branch staff awareness ( to ensure that all RMs are aware of the KPIs and tools )
Contact logs to be up to date. BM confirmation to be received ( Confirmation form to be filled and sent by the BM)
Coaching sessions (Performance Coaching Tool) should be filed for each RM at least once a month
Confirmation form to be filled and sent by the BM)
Morning huddles and evening debriefed should be performed daily. Same is being checked through DVR.
Catchment plans to be in place for each branch
All account plans are completed by all RMs handling priority accounts
Strategic
Business development, through typical activities like; Formulating, implementing/monitoring of future strategies, sales plans and activities to acquire new customers as well as deepen existing relationships, and aligning these with the business goals
Achieve planned growth and cater to the branch’s expansion possibilities by pro-actively analyzing and proposing resource enhancements.
Ensure that the branch achieves stable growth in revenues through focus on both funded and non-funded income.
AML-Report monitoring – review & responding to reports daily, weekly and monthly and highlighting any suspicious activities.
Suspicious Transaction / Activity monitoring & timely closures of STRs raised.
Monitor and follow AML guidelines – in compliance with Policy to ensure zero issues raised in
ICD/Group/SBP Audits.
Raise staff awareness through training and implement Group & Local policies on MLP – through master classes and other OL designed training programs.
Ensure that exceptions from MLP reports are disposed properly and timely
Ensure backlogs are strictly tracked and escalated to appropriate levels – e.g. STR, CDD expiries, Daily AML queries or any other AML-related concerns raised.
Authority of Approval for Dormant account activation
To follow up with RMs for CEMS leads/opportunities consumption
To ensure that top 100 customer data is updated as per requirement
Business
Responsibilities related to the delivery of business and / or financial objectives, for example, Awareness and understanding of the wider business, economic and market environment in which the Group operates
Processes
Continuous review of processes, resources & procedures to ensure that service standards are met through capacity planning, removal of bottlenecks and workflow changes.
Customer retention efforts with personal involvement in complaint resolution and adhoc feedback from customers.
Act as a catalyst in achieving coordination among the various units within the branch, Cash Management, Asset Sales and new acquisition team to ensure that customers get coordinated solutions.
People and Talent
Lead, motivate, train and coach all front-end staff in different areas to ensure that their technical & core competencies are developed to full potential.
Maintain high level of employee productivity and efficiency, with a view to ensuring that identified promising staff members are appropriately trained, well motivated, with strong customer focus in order to provide high quality of service.
Manage and direct top-tier managerial and other staff members to ensure better utilization of their capabilities and maximum efficiency with minimum cost.
Active management of staffing capacity, recruitment and manpower planning.
Risk Management
Review of controls on a regular basis contributing to sound operational health leading to compliance with the group and Central Bank guidelines.
Monitor and control the Retail Client Credit portfolio and ensure that all facilities to customers and staff are fully secured and accurate and up to date records and documentation in line with the Group CB credit policy.
Governance
Responsibilities relating to the direction, planning, structure, frameworks (e.g processes and policies) and oversight. For example, Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas; Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
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 Retail Clients, Pakistan 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
Department/Functional/Regional Heads, Managers, Support staff, cross-functional and network Managers, Group & global network
FOR
Ensuring business development to generate targeted revenues; Guidance and support in product/business partnerships; Risk Management and ensuring service levels are met.
EXTERNAL
Customers
Regulatory authorities & Central Bank
Professional advisors (lawyers, accountants, etc.)
FOR
Business development and revenue generation
Regulatory control and advice
Advice, counselling and expertise on customers & products
Other Responsibilities
Compliance of FBR/Tax & any LEA notices with the help of TAX/legal department.