Standard Chartered Bank - Assistant Relationship Manager

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Business Performance

Description : Deliver Superior Financial Performance - 40%

Measures and Targets :

Assist the RM in Revenue : Total Client Income – USD xx Million (CG 1-12)

- Economic Revenue - 70% of Revenue

RoRWA = 3.5% + minimum improvement of 25 bps from previous year

- Endeavour for NIL debt provision

- Acquire 5 new groups and achieve at least 10% of the total revenues from the new clients

- Maintain at least 70% overall utilization for the entire portfolio at all times

Balance Sheet & Capital : Increase client CASA balances by at least 30% & improve the no. of clients actively using SCB as one of its major banks for cash management

Depth of Clients :

- Enhance product cross sell to maximise relationship RoRWA

- Endeavour for nil tail accounts

- Ensure S2B penetration to at least 75% of the clients

- Grow Priority Sector Lending (PSL) assets by at least INR 150 mio (in addition to existing assets) for the period ended 31-Dec-2014

- 3 more clients doing FX & 3 more clients routing doc collection with SCB

- Competitive Positioning: Improve Core Bank status to at least 50% of portfolio

- Network Revenues: Enhance network revenues by at least 25%

Continuously Improve the Way We Work

Description : Continuously Improve the Way We Work - 40%

Measures and Targets :

- Work closely with RM in preparation of briefing notes, sales pitches, etc.

- Ensure smooth/efficient post deal documentation & client on-boarding

- Ensure post origination processes and documentation is completed on time by liaising with various stake holders

- Quality engagement with client to ensure highest rating in client surveys like VoC

- Effectively manage excess & past dues – ensure no instance of unapproved excess

- Work closely with CDD to ensure timely renewal of CDDs & with the portfolio and OR teams to ensure high quality of portfolio

One Bank Approach : Ensure optimal alignment with other functions

- Delivery on systems/approach to the way we do business

- Effectively utilize banks systems and processes like CreditMate, CRM, CDMS, RMWB, PEMS, etc.

- eCDD: Tolerance limit for overdue CDD to be kept within 2%. Overdue 3% including smoothened cases

- ASTAR management – ensure minimal items in ASTAR for handled portfolio

- Work towards RWA efficiency initiatives. Achieve reduction in RWA as targeted for RUPs, PUPs, and other clients

- Ensure compliance with Sanctions policy & FATCA guidelines

- Ensure prompt action on sanctioned linkages and trigger cases to be completed within 30 days

- All escalations to be done in adherence to the group sanctions policy

- Ensure quality & timely annotations of daily reports and zero escalations, including in case of being a designated backup of another CCM

- Timely revert on data requirements & queries from control and governance team in areas including CDD, Bank share, authorized signatories, client addresses, etc.

- Ensure security perfection within approved timelines with not more than 1 DDN extension

- Update on the progress of security creation to be provided at least 15 days in advance of the DDN/E16 expiry

- Maintain Covered EAD/EAD of at least 25%

- Annexure 1 & 3 pending beyond 90 days should be nil

Department : Middle Market

Grade : 6