Business Development Manager- Personal Loan

Roles and Responsibility
Strategy
• The role is responsible for establishing direct & indirect acquisition channel for Personal Loan
• Manage customer relationship for Cross Sell, Upsell opportunity & portfolio quality
• Establish and maintain branch with profitability aligned with company's proposition

Business
• The role is responsible for loan book & Revenue targets for the Personal Loan & attached fee income products
• Accountable for achieving sales target through Direct efforts or through assigned relationships (Referrer/DSA's)
• Achieving assigned monthly and full year objectives as per annual P3 document
• Takes initiative to understand consumers, competition and current market conditions and help identify new business opportunities
• Works closely with the Credit team, Operations, CDD and other department for providing timely resolution of all discrepancies on application and quick disbursal of the loan.
• Works closely with the Collections team in providing support for resolution of delinquent case
• Increase SC Capital's visibility by driving commercial, competitive pricing of credit trading for our client

Processes
• Ensure adherence to all internal and external regulations.
• To embed Operational Risk monitoring as an integral part of the business process. Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance.

Risk Management
• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
• Ensure satisfactory ratings in all internal/external audits conducted at the branch

Governance
• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business.

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 [country / business unit / function/[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.

Key Stakeholders
• Internal – Business Team, Credit& Risk, Ops, Collection
• External- Clients, Referrers

Our Ideal Candidate
• MBA and/or Professional Degree preferred. Should have at least 5+ years of relevant working experience in Personal Loan space with a strong industry specialization.

Role Specific Technical Competencies
• Experience in unsecured loan products
• Good communication & Interpersonal skills
• Target Oriented
• Proficiency in MS Excel
• DSA/Channel Partner Management

About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 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 opportunities 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 work 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 improve and innovate, keeping things simple and learning from doing well, and not so well
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
• 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 including annual, parental/maternity (20 weeks), sabbatical (12 weeks 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 skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities 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, across our teams, business functions and geographies - everyone feels respected and can realise their full potential