We’re a leading international bank, with more than a 150-year history in some of the world’s most dynamic markets. We bank the people and companies driving investment, trade and the creation of wealth across Asia, Africa and the Middle East. With 1,600 branches and offices in 70 countries, we offer exciting and challenging international career opportunities.
JOB PURPOSE
* Responsible for executing the country agenda on Business Clients Trade and Working Capital and Cash Management Products to deliver sustainable growth across Business Clients.
* Responsible for growing market share and increasing client level profitability by supporting new acquisition and relationship teams and portfolio management of Trade & Working Capital and Cash Management products based on client needs
* Achieve the Revenue, Balance Sheet, Product Margins and Loss adjusted Returns as per budget
* Ensure consistent Service and Product delivery on client propositions as per budgeted benchmarks by indentifying challenges related to (a) products and processes design, for resolution by Retail Product team in the centre and (b) process execution within Sales, Operations and Service teams, for resolution in country with the relevant stakeholders.
* Responsible for growing market share and increasing client level profitability by supporting new acquisition and relationship teams and portfolio management of Trade & Working Capital and Cash Management products based on client needs
* Achieve the Revenue, Balance Sheet, Product Margins and Loss adjusted Returns as per budget
* Ensure consistent Service and Product delivery on client propositions as per budgeted benchmarks by indentifying challenges related to (a) products and processes design, for resolution by Retail Product team in the centre and (b) process execution within Sales, Operations and Service teams, for resolution in country with the relevant stakeholders.
RESPONSIBILITIES:
Business Performance
* Implement and commericalise global standard Product program for Business Client Products in Nigeria.
* Collaborate effectively with Business Client Segment team, Client Acquisition and Relationship teams and CIC/ TB to leverage the eco-system and help deliver budgeted Balance Sheet and NFI targets
* Execute global standard Product Optimization strategies to deliver Product level RoRWA
* Implement the integrated product segment strategy to launch/re-launch the program value proposition and specific enablers and track program performance along with BC segment team
* Optimize fees and charges to create value for clients in line with TCF principles
* Ensure scorecard alignment with product strategy through active participation in the RCIC
* Support RC academy for the development of appropriate training content for the acquisition, relationship and service teams
* Responsible for Portfolio health on relevant products – delivery through regular engagement with Risk team to track portfolio performance (through lead indicators) and taking necessary actions to ensure loan impairment is within approved and acceptable limits. Work closely with Portfolio Managers to ensure the following:
– Credit/ Business Monitoring; Managing overdue BCA / CCRT, turnover monitoring, NOC review etc
– Excess management & follow-up for tracking closure of excess granted to the customers (approved & unapproved cases).
Business Performance
* Implement and commericalise global standard Product program for Business Client Products in Nigeria.
* Collaborate effectively with Business Client Segment team, Client Acquisition and Relationship teams and CIC/ TB to leverage the eco-system and help deliver budgeted Balance Sheet and NFI targets
* Execute global standard Product Optimization strategies to deliver Product level RoRWA
* Implement the integrated product segment strategy to launch/re-launch the program value proposition and specific enablers and track program performance along with BC segment team
* Optimize fees and charges to create value for clients in line with TCF principles
* Ensure scorecard alignment with product strategy through active participation in the RCIC
* Support RC academy for the development of appropriate training content for the acquisition, relationship and service teams
* Responsible for Portfolio health on relevant products – delivery through regular engagement with Risk team to track portfolio performance (through lead indicators) and taking necessary actions to ensure loan impairment is within approved and acceptable limits. Work closely with Portfolio Managers to ensure the following:
– Credit/ Business Monitoring; Managing overdue BCA / CCRT, turnover monitoring, NOC review etc
– Excess management & follow-up for tracking closure of excess granted to the customers (approved & unapproved cases).
Product & Service Delivery
* Have oversight and ownership of end-to-end (standard) process to ensure execution of on-boarding for clients and fulfillment of products through engagement with relevant stakeholders involved in executing the standard process to ensure we deliver a seamless client CVP
* Complaints & Client Experience: Collaborate closely with the CEPG teams to Identify gaps and design failures in existing process and products and work with global and regional product teams to solve for endemic design issues to improve overall product and Service delivery
* Have oversight and ownership of end-to-end (standard) process to ensure execution of on-boarding for clients and fulfillment of products through engagement with relevant stakeholders involved in executing the standard process to ensure we deliver a seamless client CVP
* Complaints & Client Experience: Collaborate closely with the CEPG teams to Identify gaps and design failures in existing process and products and work with global and regional product teams to solve for endemic design issues to improve overall product and Service delivery
Product Launches & Product Maintenance
* Execute the global Product standardization and Product rationalization agenda across BC Products
* Work with segment and frontline teams to identify client needs and launch existing global product solutions to meet these needs. In the absence of existing global solutions work with the regional team to have the relevant proposition developed as a global solution for implementation
* Execute the global Product standardization and Product rationalization agenda across BC Products
* Work with segment and frontline teams to identify client needs and launch existing global product solutions to meet these needs. In the absence of existing global solutions work with the regional team to have the relevant proposition developed as a global solution for implementation
Governance
* Manage compliance of PPGs & CADs
* Ensure compliance to Group & Country AML and CDD policies
* Manage compliance of PPGs & CADs
* Ensure compliance to Group & Country AML and CDD policies
KEY RELATONSHIPS:
* Country BC segment and product teams and BC Segment Head for Africa
* Country RC Head
* Country teams (Products, Segments, CEPG, Operations, L&C, Finance, Retail Analytics)
* Select BC and Priority Clients
* Country BC segment and product teams and BC Segment Head for Africa
* Country RC Head
* Country teams (Products, Segments, CEPG, Operations, L&C, Finance, Retail Analytics)
* Select BC and Priority Clients
KEY MEASURABLES:
* Financials – Balance Sheet, P&L, LAR, RoRWA
* Productivity – PPC, No. of Active Clients, No. of New Clients, Cross-sell per Client, Tail management
* Risk Management – Lead Indicators on delinquency and IIP
* Effectiveness of controls – evidenced by satisfactory Audit results and CSTs
* Client feedback – NPS, Voice of Customer surveys etc
* People – Engagement metrics (My Voice) and attrition
* Financials – Balance Sheet, P&L, LAR, RoRWA
* Productivity – PPC, No. of Active Clients, No. of New Clients, Cross-sell per Client, Tail management
* Risk Management – Lead Indicators on delinquency and IIP
* Effectiveness of controls – evidenced by satisfactory Audit results and CSTs
* Client feedback – NPS, Voice of Customer surveys etc
* People – Engagement metrics (My Voice) and attrition
REQUIRED SKILLS:
* Prior financial services experience (preferably in Trade or Portfolio management)
* Financial modeling and analytics
* Intermediate to Expert level in MS Excel
* Effective written and verbal communication
* Prior financial services experience (preferably in Trade or Portfolio management)
* Financial modeling and analytics
* Intermediate to Expert level in MS Excel
* Effective written and verbal communication
QUALIFICATION:
* University degree with at least 7 years experience
* Post graduate degree (MBA, MSc etc.) would be an advantage
* University degree with at least 7 years experience
* Post graduate degree (MBA, MSc etc.) would be an advantage
Key Roles & Responsibilities
Enter roles and responsibilities
Qualifications & Skills
In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required.
Diversity & Inclusion
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.
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