18 / Jul / 2024, 11 : 59 : 00 PM
Job Summary
Build Own Operate (BOO) Client Management in the country in accordance with globally consistent standards, controls, and levels of conduct & valued behaviours. Deliver significant improvement in frontline & client experience in terms of TAT, productivity, and process improvements.Embed appropriate risk culture and standards of excellence. This will include strong emphasis and focus on :
i) Effective delivery of quality client service based on client segment and tiering differentiation
ii) Efficient management of client account maintenance activities
iii) Accurate and efficient credit and client onboarding, management and offboarding processes;
iv) Heightened awareness of AML risk, and associated controls;
v) Effective first line risk management; credit and AML risk monitoring and remediation
vi) Oversight of the execution of CDD; and
vii) Management of quality Static Data
viii) Expansion into other process to support business and risk control objectives
Responsibilities
Strategy
Strategy & Execution
- Lead the implementation of Client Management in the country with a focus on service differentiation based on client segment / tiering and value. Ensure that the model is scalable, best-in-class, client-focused and fit for purpose of client delight
- Right scoping the Client Management model in terms of chalking out the activity inventory, capacity estimates, process flows, R&R and appropriate resourcing
- Engage all the relevant impacted teams across businesses, functions, and stakeholders to ensure Client Management seamlessly integrates into the overall TOM of CCIB with minimal business disruptions
- Fully understand the CCIB business strategy and leadership expectations and ensure Client Management activities are effectively managed in accordance with the Bank’s strategic focus
- Accelerate the shift to digital and ensure the digital value proposition is aligned with clients’ needs and preferences
- Lead local capabilities for onboarding and client management activities ( cross border documentation)
- Ensure alignment between CCIB business and Client Management with regular engagement regarding business priorities, issues, and address any gaps
- Ensure alignment between onshore and offshore teams in accordance with the overall onshore-offshore client delivery model
- Reinforce synergy between countries, regions and hubs, through close communication and consistency of standards
- Spearhead the delivery of Client Management change projects, improvement, remediation activities in the country
- Continuously work on the expansion of the scope of Client Management including more processes and business segments, geographies
Business
Lead an end-to-end Client Management model for the country and strongly support CCIB frontline to deliver beyond client expectationsEnsure that the Client Management team is ably equipped with the best-in-class MIS, Performance Management tools, and utility functionsSet and manage all relevant team budgetsDevelop awareness of business changes, predict challenges, and identify opportunities to optimise people & processes and add value to client & frontlineServe as a thought leader for the processes under Client Management within the countryAlign the priorities of Client Management with those of the business segments and countryClose collaboration with Group, Region and Country business and function stakeholders, shared utilities, and other networks to achieve transparency and consistency of execution of the end state operating model, maintaining exemplary levels of conductEffective relationship and key stakeholder management with and across the networks to identify and address issues / concernsAct as the point of escalation for day-to-day client account maintenance activities to mitigate unnecessary RM involvement wherever possible. Exercise appropriate judgement on escalation items and engage the relevant internal stakeholders (Credit, Risk, Ops Heads) to resolve locally or escalate to Regional / Global CM Heads for thematic, organisational issues beyond the scope of country resolutionEnsure thematic country client issues are raised to the Country Business Head for Client Experience forum discussionsEnsure appropriate team capacity management to align with business and portfolio changes and engage the CC Country Head to address any gaps / issuesEnsure overall client portfolio hygiene is maintained for the Client Management team and the team as a whole is adhering to the Bank’s policies and procedures.Processes
Establish a clear and uniform approach towards implementation of the global operating model for all Client Management related processes (CDD, Account Opening, Account Maintenance, S2B activation, Credit Documentation, MIS, and off-boarding), and adherence to DOIsIdentify key processes for further streamlining, work on process improvements & fine-tuning of the operating and organizational models, and ensure optimum delivery of processes in accordance with globally consistent standards, controls, and levels of conduct & valued behavioursOptimise ‘speed to market’ for all Client Management processes with the aim to improve client experience, reduce ‘time to revenue’ without impact on control standards across the countryContinuously improve productivity and efficiency of processes and peopleDrive a strong results-oriented Client Management team supported by robust data-enabled performance management tools.Maintain oversight on and participate in the quality & timeliness of ‘Service Review Meetings’ (SRM) to be held every month between Business Teams & Country operating teamsEnsure roles & responsibilities and service levels are clearly defined in the Service Level Agreements (SLA) between Client Management and Business or other FunctionsShare and replicate best practices with other Country Client Management Heads / Teams.Drive Client Management discipline in logging client complaints in accordance with the Bank’s Complaints Policy and ensure the team fully understand their obligation to capture client complaints in WorkBench.Review relevant client team portfolio data / reports (ASTAR, Excess & Past Dues / WorkBench modules, SCI, CRC / Credit, ACBS / Lending etc) to identify lead indicators / trends in portfolio quality and take proactive steps to address root cause issuesMaintain close oversight on the discipline of timely annotation of Excess and Past Due Reports by Client ManagementDrive improved ways of working across coverage, product and functional partners, leveraging relevant meetings / forums to achieve stronger cross-functional collaborationPeople & Talent
Develop a highly engaged Client Management team in the country. Have a strong oversight on talent management and hiring in the countryEnsure hiring decisions are aligned with the capabilities of the Client Management role profile and job descriptionEnsure a high-performance team and provide appropriate training with the aim to achieve optimum quality deliveriesEmploy, engage and retain high quality people with succession planning for critical roles and appropriate recognition and reward for high performance / potentialLead through example and build the appropriate culture and values, embedding a high level of team engagementSet the appropriate tone and expectations for team and work in collaboration with risk and control partners, global process teams, and local business teamsEnsure rollout and completion of all Client Management training programmes within the country for all staff executing relevant processes & foster cross-training of staff across managed areasEnsure implementation and tracking of performance metrics into the P3 of staff managedFormulate and monitor job descriptions and objectives for direct reports and provide feedback regularly and rewards in line with their performance against those responsibilities and objectivesEnsure team structure / capacity is reviewed to enable effective delivery of operations & change agendas based on the bank’s strategic focus and business needsRisk Management
Ensure implementation of the OR Framework across managed processesControl operations to meet risk tolerance thresholds set for processes managedProactively manage risks and establish / monitor controls to improve the overall state of the risk management and operating framework in the countryWork closely with Local Compliance, Credit, Legal, and Risk for guidance on complex policy / risk issues and actively provide feedback for policy gaps and revisions requiredProvide insights and highlight risks / mitigation to senior management, governance forums, and group teams based on understanding of country dynamics and MIS & analyticsManage in country or other remediations as required to ensure capability, process, or data / docs are brought up to a best-in-class standard over timeGovernance
Responsible for delivering effective governance for Client Management in the country in compliance with applicable internal policies and external laws and regulationsServe as the Country Process Owner for relevant processes impacting Client ManagementEnsure that the risks are clearly identified and quantified, properly tabled in the appropriate forums and appropriate RCPS are doneEnsure, lead, and monitor strict adherence to regulatory requirements, best practices, and a state of ever-readiness for audit & regulatory reviews, with respect to Client Management responsibilitiesEnsure the Client Management team is appropriately Risk trained / certified as stipulated in the relevant Bank policiesEnsure alignment of GBO teams and processes supporting the countrySenior escalation point for stakeholders on process and governance related issues in countryRepresent the Client Management function and act as an alternate to the Country CC Business Head (where applicable) in the relevant governance forumsDelegated authorities passed on by Business Heads and Regional Client Management Head wherever requiredWork on the mechanism to track the key governance metrices set by Business Heads viz Segment Heads, CCIB HeadsCoordinate across network to facilitate Local and Regional network businessRegulatory & Business Conduct
Display exemplary conduct and live by the .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 Client Management Team to achieve the outcomes set out in the Bank’s Conduct Principles : Financial Crime Compliance; The Right EnvironmentEffectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.Key stakeholders
Internal
Region and Country CCIB HeadsCCIB Business / GAM / FAMBusiness CCIB FinanceCCIB HROperational Risk TeamsClient Lifecycle Design Management TeamsRegional and country COO / CEO / CIO teamsGBS Hubs / HeadsCCIB Regional / MT membersLegal team; in-countries, Region and GroupCredit & Risk teams; in-countries, Region and GroupCredit AnalystsRisk and Control Governance Functions ( CORC, CR etc…)Product PartnersRegional CFCC CDD ControlsRegional CDD Risk ManagersCFCC, CDD CoE, Hubbed teamsGlobal Client Management networkCOO Process owners and governance teamsExternal
Local regulators & other policy makersExternal auditorsCompetitorsIndustry forumsVendor partners & providers of Client Management utilities & servicesRelevant Trade AssociationsLegal FirmsOther Responsibilities
Embed Here for good and Group’s brand and values in the Client Management TeamPerform other responsibilities assigned under Group, Country, Business or Functional policies and proceduresMultiple functions (double hats); where applicableOur Ideal Candidate
Very good understanding of the business – preferably on the job business experience in CCIBVery good knowledge of the region – preferably a on-the job experience in the regionStrong leadership skills – preferably an experience in leadership role in CCIB leading teams within countries.Good interpersonal skills in networking and influencing decisions.Good communication skills – oral, written and presentationGood product knowledge including the processes and proceduresStrong project management skills – preferably a project experience in CCIBRisk & AML certified as stipulated by Bank policy (role based)Role Specific Technical Competencies
Manage ConductManage RiskManage PeopleOperational ExecutionManage ChangeManage ProjectsProcess ManagementData Conversion and ReportingManaging Regulatory RelationshipsRegulatory Reporting and FilingRegulatory LiaisonVisit our careers website