Standard Chartered Bank Careers

Key Responsibilities

• RM is responsible for origination and would work closely with Acquirers and Client Service Managers (CSM) in onboarding 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 Credit Analyst (CA) for credit related activities.

Business

• Drive deepening activities with high-value or high potential clients with full range of Business Client (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 Existing to Bank (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 
• 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.

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

JOB SUMMARY

The role holder will be responsible for establishing and maintaining strong relationships with our Chinese clients which will translate into revenue and growth for the bank. 
The growth metrics measured include:

• Portfolio growth
• Growth in Product Per Client
• Increase in revenue per client
• Growth in number of clients
• Revenue growth
• Cost Management
• Service Excellence
• Operational Excellence and Compliance

RESPONSIBILITIES

• Engaging and deepening activities
• Methodically engage (remote)
• Have complete knowledge of the clients in terms of the profile & assets 
• Create analytics-backed conversation
• Engage clients through the digital channels (calls, virtual meetings, webinars, email)
• Needs/Achor Products; Individual banking products (PL, CASA etc), Wealth Products
• Meet & deep sell (remote)
• Develop a comprehensive Account Plan for at least 20% of client base
• Meet virtually to meet advisory needs (once a quarter)
• Connect client with specialists
• Connect for periodic CDD reviews
• Conduct fulfillment & activate
• Refer most servicing activities to Client Service Managers

Key Stakeholders

• Product Specialists
• Client Service Manager, Affluent
• CDD team
• Branch Manager
• Product Managers

Qualification

• CISI Level 2
• Bancassurance Certification
• Knowledge of Chinese Language Mandatory

JOB SUMMARY

This is a people leader role with accountability to Head Corporate Affairs Brand & Marketing (CABM) for Internal and External Communications initiatives. It entails development and implementation of an internal and external communications strategy consistent with the business strategy.  

RESPONSIBILITIES

• Develop the medium-term operational plans to manage/coordinate all communications for Kenya & Africa whilst ensuring consistent delivery that is aligned with the global agenda.
• Work closely with the businesses to ensure all communications are executed in a planned and consistent manner, bringing the employee value proposition to life through internal and external story telling. Provide key strategic communications advice to CEOs and business leaders.
• The role holder is required to develop and implement strategies to build and protect the reputation of the Bank both externally and internally.  This is achieved via a programme of media relations, internal communications, government relations, corporate responsibility, community relations and investor relations.
• Manage internal and external communications resources to budget. Coordinate internal and external communication plans across all channels, press, thought leadership, web, audio calls, videos. 
• Identify and coordinate opportunities for senior management to act as “trusted counsel” to Governments and other actors on key policy issues.
• Lead the team and identify opportunities to bring expertise and creatively build profile of the businesses both internally and externally. Effectively using external communications to enhance the banks brand reputation through awareness and engagement.
• Build profile of businesses and management externally within Kenya & Africa, with a focus on strategy, business capabilities and achievements, thought leadership, management expertise and community initiatives.
• Be a trusted advisor to the franchise for management of Reputational risk across all business functions and segments.

Processes

• Develop and maintain a network of key press contacts with knowledge of the Bank’s strategies and capabilities; Manage resources to execute internal and external communications plan across the country.
• Ensure appropriate training for spokespeople and ensure access to press is controlled.
• Develop an effective system for timely and high-quality reporting and intelligence on politics and policy change. 

People & Talent

• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the team and work in collaboration with risk and control partners. 
• Ensure the provision of ongoing training and development of people and ensure that the team is suitably skilled and qualified for their roles.

Risk Management

• Demonstrate shift towards anticipation of risk and provide leadership and coordination of issues and crisis communications to the functions at cluster and country level.

Governance 

• Ensure adherence to the risk management framework, Group Code of Conduct and various policies, procedures, and Guidelines of the bank by the regional Corporate Affairs and Brand & Marketing Teams as the Reputational Risk Control Owner’s representative

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 and lead the Kenya Corporate Affairs, Brand and Marketing team] to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment 

Key Stakeholders

• Head of Corporate Affairs,  Brand & Marketing Kenya and Africa and Head of Communications, Africa, Middle East and North Africa
• CEO, Kenya & Africa; Country Client Business Heads; Country Functions Heads and Country CABM teams
• Media agencies; Online partners; Vendors and suppliers; editors and journalists
• Network with peers in the industry and other sectors via various strategic business / PR bodies in the country.

Other Responsibilities

• Embed Here for good and Group’s brand and values in the CABM team and perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Qualification

• University degree in Business, Communications, Public Relations or Finance discipline.
• In-depth knowledge of the local business and political environment. Digital marketing flair with the ability to do digital PR; Strategic advocacy and communications planning.
• A proven track record for managing teams to get results. Strong track record in a reputable organisation – preferably an international organisation.
• Strong FMCG, banking, financial services and / or technology pedigree desired.
• Excellent networking skills; Strong networks with the media and Government relations; Form effective relationships with key stakeholders across the matrix using knowledge, communication and relationship skills to positively influence key decisions.
• Excellent communications: clear oral and written skills, effective questioning, and active learning; Superior inter-personal and presentation skills; Cultural sensitivity and awareness

Key Responsibilities

• RM is responsible for origination and would work closely with Acquirers and Client Service Managers (CSM) in onboarding 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 Credit Analyst (CA) for credit related activities.

Business

• Drive deepening activities with high-value or high potential clients with full range of Business Client (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 Existing to Bank (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
• 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 & Credit Risk Control.
• Client Deepening and Portfolio Strategy Manager
• Portfolio Monitoring & Controls Manager
• Business Operations & Risk Management.
• Branch Managers.
• Client Experience team.
• Conduct & Financial Crime Compliance
• Legal

External

• Clients
• Legal Firms
• Accountants

Other Responsibilities

• Embed Here for good and Group’s brand and values in Kenya, Commercial Private & Business Banking (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

Qualification

• Product broadening
• Understanding of businesses and financials.
• Enhanced multi-product Business Banking knowledge.
• Market and competition knowledge.

Job Summary

Strategy
 

• To manage the portfolio under Transaction Banking (FI Sales) of clients assigned directly. Over and above, support the senior TB (FI Sales) resource team in Kenya and broader East Africa.
• To work with Relationship Managers and other stakeholders for growing the cash management, TBFX and trade finance business in line within overall Global Transaction Banking (FI Sales) strategy and within risk parameters of the business.
   

Business
 

• Responsible for the Cash & Trade business for Transaction Banking (FI Sales) includes Bank clients as well as Public sector FIs, central banks) in East Africa. Responsibility for Transaction Banking (FI Sales) Franchise revenues – Origination.
• Actively identify client needs across full set of SCB product capabilities, originate new business and grow the franchise by capitalising on Bank competitive attributes (network) and developing new relationships where required
• Engage with Senior Management and decision makers of key clients to improve quality of dialogue with clients, promoting a move away from ‘transactional’ reactive client coverage to consistent value-added partner/trusted advisor status. Anticipate client’s requirements and provide strategic advice, bringing in the relevant product and industry partners as appropriate.
   

Key Responsibilities

• Maximize profitable revenue to the bank whilst maintaining focus on client outcomes, strengthening and deepening existing relationships both at the most Senior level as well as at the operating level in client’s designated portfolio.
• To deliver financial performance for the country / region as per the agreed budget assigned.
• To undertake market analysis for each country in the region in order to identify new business opportunities in co-ordination with Product Management and Credit.
• To match customers’ needs with product capabilities through presentation of tailored demonstrations and proposals.
• To negotiate terms and conditions with customers to maximise revenue and profitability.
• To engage and assist the sales teams to provide structured solutions to meet the specific cash management and trade services requirements of our customers and prospects.
• To undertake a disciplined sales management process.
• To assist product management in the commercialization of strategic product rollouts.
• To provide feedback and assistance to all areas of transaction banking; e.g., Product Management, Marketing, etc. to ensure that the voice of the customer and local requirements are incorporated into ongoing plans and initiatives.
• To keep abreast of customers’ needs, trends and product/market intelligence for new product developments/enhancements, strengthening SCB’s competitive position in this field.
• To ensure smooth deal implementation and adherence to high levels of service quality.
• Ensure customer service issues are addressed and a high level of post sales service is made available to the clients at all times.
• Benchmark and identify opportunities to establish sustainable sales, product and service advantages against global banking competitors
• Establish and maintain governance framework to ensure sales processes under area of responsibility comply with internal policies, procedures, business conduct requirements and applicable external laws and regulations
• To ensure adherence to compliance policies and help manage financial crime risk in the business.
• Responsibility of delivering the promotion CorrB Academy initiative in the region

Skills And Experience

• Regional & Country CCIB Heads, CEOs, Global FI and TB seniors – To gain commitment on business strategy and sales plans.
• Train and guide RMs in FI on cash/trade transaction banking products and services to facilitate achievement of sales plans.
• To support vision and growth strategy of Transaction Banking (FI Sales) business regionally
• SD&S, Regional Product, Compliance, Risk - To resolve issues and ensure service levels are met as per standards agreed upon.
• To manage FCC and Credit risks within the business
• Take the initiative regarding regulatory, reputational and ethical matters by providing proactive advice to clients as identified. Coach and manage internal team in these matters and ensure they are adequately trained in and cognizant of regulatory, reputational and ethical risks.
• Business Heads (TB, Treasury, etc.) - To provide/obtain geographical breadth and product depth referrals/leads.
• Cash Management and Trade Product Management / Development - To provide active support on product initiatives, including customer and competitor feedback for new product developments/enhancements and to resolve any product delivery issues
• Regional/ Country Heads/ Global Account Managers/ Regional Account Managers within Coverage - To leverage from experiences of rollout of our products and services in their markets and in the structuring of complex network solutions for cross-border deals.
• Trade Asset Management Unit - To provide strategic input on Trade Asset Distribution for the region.
• Customers and prospects within Banks (Transaction Banking, Treasurers, WB Heads, Business Development Managers, General Managers, CEOs and MDs - To understand trends affecting customers’ and prospects’ businesses in order to structure cash/ trade management solutions and sell them our products and services.

​​​​​​​Qualifications

Experience

• Broad banking experience
• Deep knowledge of TB products
• Experience in related business
• Proven ability to independently identify, drive and deliver on opportunities.
• Strong executive impact and track record of new to bank sales success.

Knowledge

• Certification in advanced Trade / Cash
• Practitioner with Advanced / Expert Cash and or Trade knowledge.
• Structuring Solutions and ability to handle documentation.
• Strong credit understanding and experience.
• Seen as an industry expert in Cash and/or Trade.
• Market Intelligence: ability to anticipate global trends in market and impact on strategy and plans.
• Understanding of how to work effectively within a matrix / network organisation.
• Capable of analysing working capital and funding needs

Key Responsibilities

Business Strategy and Technology roadmap

• Working with venture leads and Furaha Financial management to set the business agenda of the venture
• Working with Furaha Financial Venture Leads , Product Owners, and partners to lead technology build, evaluate technology trade-offs, oversee vendor engineering engagements, and deliver features and capabilities aligned to the business model to build on the minimum viable product (MVP) to successful global rollout.
• Chief Technology Officer will discuss with partners, fintechs, co-creation clients, and business to expand the offering Engram.
• Co-ordinate, question and interrogate technology opportunities with engineering team and innovate to sustain a competitive advantage.
• Employ a managerial mindset that seeks to optimise the business outcome for the Venture while establishing sound governance, internal process, adherence to policies and processes. This role requires close coordination with the SC Ventures CTO.
• Thought leadership and demonstratable subject matter expertise on use of machine learning (ML), Artificial Intelligence (AI), APIs, Data Analytics, cyber security, DevSecOps and similar technology applications.
• Establish sound technology operation covering incident management, problem management, service levels (SLAs) and business continuity processes
• Support and adapts the realisation of benefits and business value to maximise benefits and identify new unforeseen benefits within the venture
• Provide advice to business stakeholders to manage requirements, interpretation of Regulatory Requirements, best practices in the market and manage change/deployments within the triple constraint of scope, time and cost.

Technology Delivery and Management

• Have expertise and professional experience in software development and deep understanding of technology delivery.
• Experience in operating within Agile delivery processes to minimise time to market and maximise the client value of technology delivery.
• Participate in assessing and hiring technical personnel required to be part of Furaha Financial, and support the growth in aggressive go-to-market.
• Build and manage a team of developers, architects, and other technical experts, and provide mentorship and guidance to team members
• Engage with relevant Risk Officers to develop a mature IT delivery organization aligned with Technology and Information and Cyber Security (ICS) expectations
• Advantageous to have experience in ITIL and ISO27001.
• Oversees accurate financials. Ensuring Financials up to date including Project static data, status update including RAG status, key milestones, financials, risks, dependencies, issues and resource forecasts, and they are tracked & reported to the FURAHA Venture management.

People and Talent

• Attract, employ, and retain high quality people such that Technology team is skilled and experienced to deliver the best experience for our customers, build a fully Agile development organisation in-line with the business strategy.
• Ensure the Technology is adequately resourced and staffed by an appropriate number of competent staff, sufficiently independent to perform duties objectively and to support sustainable business growth
• Lead by example and build the appropriate culture and values.
• Exemplify key values of client obsession, fairness, diversity and inclusion.
• Create a motivational and challenging environment in the team which is conducive to creativity and delivery of the strategy.
• Manage performance, wellbeing, and engagement by creating a culture of achievement and satisfaction.
• Role model the company values and behaviours, consistently promoting and reinforcing them.
• Conduct regular 1 to 1s and annual performance & development reviews to ensure a high level of performance and continuous coaching and feedback.

Governance and Risk Management

• Expertise with governance structures and mandatory processes.
• Proactive in seeking regular assurance that the areas of responsibility and teams are performing to an acceptable risk and control standard.
• Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
• Balance business performance delivery and cost management constraints with risk and control matters to ensure that they do not materially threaten the Venture's ability to remain within risk appetite.
• Ensure a full understanding of the risk and control environment in area of responsibility.
• Facilitate risk management activities with respective stakeholders on the potential impact of

Technology/Process/Operational Obsolescence.

• Support both Internal and External Technology Audits - identify issues, create action and issue closure plans and track to closure.
• Provide advice to relevant stakeholders on compliance with Group standards relating to AML/Sanctions/Frauds/ Compliance
• Processes for which the role is responsible under the ORF as 1st line; for executing / completing, and Supervising.
• Act and escalate quickly when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
• Collaborate with other companies, industry consortia, and regulatory bodies to advance the development, adoption, and interoperability of technology, specifically blockchain.
• Work with multiple stakeholders to establish applicable risk / control framework to ensure that the Group's ability to remain within risk appetite is not materially threatened.

Technical Skills and Subject Matter Expertise

• 15 years of relevant experience in technology roles in banking, payments, or similar sectors.
• Expert knowledge of mainstream cloud provider eg AWS and firebase, Cloud-native services, and elastic infrastructure.
• Expert background in Javascript orTypescript technology stack, NodeJS, Next.js and NestJS, distributed systems, authentication mechanisms, asynchronous event processing, message queues, and architecture patterns.
• Knowledgeable on modern object orientated programming practises including entity frameworks, dynamic reflection, and reusable interfaces.
• Expert Knowledge with 3rd party system integrations via APIs ie HTTP or REST
• Familiar with OWASP, secure by design, secure coding practises, code scanning, unit testing, dependency management (deprecation, vulnerabilities, licensing)
• Expert Knowledge with DevOps, Infrastructure-as-Code including continuous integration, delivery, deployment and assurance.
• Experience in front-end React and JavaScript or Typescript presentation frameworks
• Expert Knowledge with operating highly-available production financial systems

Skills and characteristics

• Imaginative and creative approach to how we do work. Curiosity about new technologies, workflows, and products.
• You enjoy working independently and are able to take informative decisions independently. You enjoy mentoring and teaching others to create a world class cohesive team
• Energy and desire to succeed; follows through on commitments; pushes self and others to deliver exceptional results.
• Ability to work across cultures and backgrounds is a must. Seeing things from multiple perspectives and being easy to work with.
• Ability to see things from multiple perspectives, as well as ask the question “why” continuously
• Tireless work ethic and enthusiasm to execute and get things done.
• Knowledge of the organization's industry group, trends, directions, major issues, regulatory considerations, and trendsetters; ability to apply this knowledge appropriately to diverse situations.
• Ability to understand geographically dispersed and highly varied customer and segment base.
• Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviours.

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

Job Summary

• Effectively reviewing outsourced accounts of Wealth and Retail Banking retail portfolio, to ensure successful Collections & Recoveries with the objective of minimizing Net Credit Loss
• Ensuring that effective management of external agencies and regular audits are conducted to ensure adherence to group guidelines and effective recovery tools.
• Complying with Country Agency Management guidelines

Key Responsibilities

• Ensuring agency documentation i.e. agency staff productivity, MIS reports, target & allocation letters are completed as per given guidelines.
• Timely allocation and reconciliation; Target setting and performance dashboard for respective agencies
• Adequate & intense coverage of the portfolio; Strategic allocation to callers and executives
• Provide additional information on accounts based on queries
• Initiate legal action where appropriate; Case filling & release within TAT
• Comply with group policy requirements and audit; Track and reconcile recovery suspense account
• Scrutinize and maintain TAT on all vendor payments; Maintain and file all agency documents
• Retrieve documents and ensure safe keeping
• Talk to customers and negotiate settlements
• Initiate settlements and approvals for agencies without errors; Track settlements and payments daily
• Build pipeline for consecutive months.
• Issuance of clearance letter to customers post settlement honored.
• Provide details to call back process teams before timeline.
• Document meetings held at agencies/ Conference calls.
• Discipline and maintain office decorum 

Business

• Provide regular analytics for business for the purpose of ensuring right strategies are adopted 

Processes

• Proper management of account receivables, by minimizing loses.
• Assurance that appropriate and effective debt collection actions are being taken against high default customers effectively.

People & Talent

• Talent development and management to maintain a robust inventory of high potential resources for succession planning & /or key positions in the Collection Unit. 

Risk Management

• Continuously share and provide a forward looking view of the risks that may materialise 

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 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.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders

• Collections & recoveries Agencies, policy, credit initiation, Fraud Risk Management Unit, operations, branches and Legal & Compliance and Wealth and Retail Banking business.

Skills and Experience

• Spot Opportunities and build Resilience 
• Take Lead and achieve Results 

Qualifications

• Background in Analytics with a minimum 3 years of experience in related Collection & Recovery Managerial role in charge of an agency.
• Exposure to other line function desirable. Experience should include people management.
• Excellent leadership, analytical and communication skills; Strong interpersonal skills and a good team player 
• Negotiation and influencing skills
• Experience in Monitoring/Controlling Collection Activities/Negotiations with Delinquent cardholders / Agency Monitoring calls for expert knowledge of Credit Card Delinquency Trends, Market understanding and Collection Techniques.

Job Summary

• As the Head of Property Africa, will be accountable for driving the end-to-end strategic approach to the Group’s Property portfolio for Country and Africa Cluster. As a strategic role, it will form part of the EMEA Leadership Team and includes the management of the physical environment for clients and staff and by its nature impacts every member of the Bank staff world-wide. The role also includes the management of all projects in relation to the Group’s properties; Group Security, Health & Safety; and Supply Partner Management. This role is the risk control owner in keeping the Bank safe through the provision of a safe, secure and healthy environment for our staff and customers.

Key Responsibilities

Strategy

• Drive delivery aligned to the Bank’s Fit for Growth Program with an emphasis on portfolio optimization, ownership and lease principles as well as rationalizing procurement spend to improve on overall efficiency.
• Property strategies to incorporate robust application of financial modelling to determine optimal decision making for the benefit of the enterprise in addition to market/cluster
• This role is a member of the EMEA Property Leadership Team, with collective responsibility for developing the Property Strategy aligned with the overall Bank strategy.
• Effectively communicate the Property strategy and related initiatives through country teams periodically ensuring alignment and consistency in application across all markets
• Accountable for the development and execution of the Cluster and Country Corporate Plan including the delivery of the property scorecard objectives and outcomes aligned to strategic goals of Workplace Experience, Safety, Efficiency and Sustainability
• Accountable for the development and delivery of Africa property strategies, influencing key geographic and business stakeholders to ensure optimal solutions are implemented specific to site location, demand drivers and functional requirements, e.g., Data Centres, Disaster Recovery sites, etc.
• Drive completion of markets in scope for Project Crown or similar divestment initiatives with respective country teams.
• Rigorously review Property Target Operating Model periodically, ensuring systems, processes and structures deliver against Property priorities and enablers for Property 2.0

Business

• The role is accountable through cluster and country Property teams to ensure all aspects of the Property function are well managed, well operated and provide safe and productive work environment for the group’s staff and clients
• Accountable for Property engagement model with Cluster/Business CEO’s and business leaders to ensure the function has a deep understanding of strategic needs and influence business outcomes beyond express needs
• Accountable for oversight of all markets in Africa. The estate includes all offices, retail facilities, Data Centres and Disaster Recovery sites except where managed directly by a Business Unit
• Managing an operating budget of c. $35m, through geographic teams in the most effective and efficient manner in support of and aligned with the business strategy, through continually improving operating metrics relating to space use, costs and employee experience.
• All capital investment programs in Africa to be delivered in accordance with commercial forecasts relative to cash and P&L. As such, accountable for any change in cash forecasts which will have an influence on Corporate Planning assumptions.
• Responsible for supporting Country Heads of Property with implementing new strategies/policies requiring change adoption with Business, e.g. vacant desk policy, recharges, etc
• Where any major investments requested, responsible for reviewing benefits case including formalizing approvals in line with Bank’s governance process. This could include presentation to Geography leadership on proposition in addition to Group Management where necessary

Processes

• Accountable for the Property geographic operating model and resourcing/budget decisions
• Develop, implement and deliver property strategies and strategic initiatives
• Manage annual Cluster Property budget including capital projects budgets. Ensure agreement of Country and Cluster budgets with key stakeholders
• Lead and empower teams to ensure the Country meets its respective agreed environmental targets

People and Talent

• Play a leadership role accountable for providing clear, effective and supportive supervision and leadership of the Property team
• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the team and work in collaboration with risk and control partners
• Employ, engage and retain high quality people, with succession planning for critical role, build bench strength and formulate succession plans for the team
• Develop high performing and collaborative teams and enhance cross-functional relationships
• Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
• Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks
• Review the team structure/capacity plans regularly and feed opportunities into Property Target Operating Model refresh
• Support the Bank's promise through the active support for team CSR activities

Risk Management
As Risk Control Owner for Property Management and Security Management (including H&S regulations) in country and Cluster responsible under the Group Operational Risk Framework (ORF) for ensuring that the residual risks within the scope of Property responsibilities remain within appetite.  In discharging this responsibility, the Head of Property must:

• Risk control owner for all Property related risks, including Health and Safety, Security and Business Continuity Management
• Responsible for ensuring that the residual risks within the scope of responsibilities for managing the risk control areas of Property remain within appetite at Cluster and Country level
• Act as an escalation between the Country Management Team and Property for Country Crisis Management
• Challenge and verify First Line risk identification and assessments, in line with changes in the internal and external environment
• Identify and report key risks and ensure where outside of the risk appetite they are escalated to the appropriate body for risk acceptance
• Maintain a good understanding of applicable laws and regulations pertaining to Property Risk control areas
• Monitor compliance with and effectiveness of the risk control environment
• Monitor ‘live’ risk issues and events material to the Bank and verify whether appropriate management action is being taken to mitigate their impact
• Advise governance bodies on key risks, the effectiveness of mitigants and controls, and alignment of residual risks with appetite
• Ensure operations in cluster / country are audit ready

Governance

• Act as second line of assurance underpinning Partners responsibilities
• Represent Property in risk committees 
• Accountable to ensure Supply Partner governance standards are met and performance of supply partners is meeting agreed service level standards

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 Cluster Property 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.
• Monitor local regulatory developments and establish local addenda to Property owned Policies and Standards as required

Key stakeholders

• Accountable for senior stakeholder management within the cluster; developing strong partnerships, proactive discovery of upcoming projects that impact the Cluster and/or Country spend, while creating value by influencing stakeholders to make decisions when considering the wider business.
• Key stakeholder interactions are CEOs, CFOs, COO’s CIOs and Business/Function Heads in the market
• Property Leadership Team

Other Responsibilities

• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Skills and Experience

• Project Management
• Strategic Planning
• Financial Analysis
• Strategic Supply Partner Management
• Business Acumen

Qualifications

• Preferably a bachelor’s degree in real estate, Facilities Management, engineering or other business-related discipline preferred
• MBA or similar advantageous
• Knowledge of the facilities/real estate market as well as a keen understanding of customer service principles
• Demonstrated resourcefulness in seeking out market opportunities and leveraging supplier base to maximum advantage
• Exceptional leadership capabilities and experience managing large multi-disciplinary teams