Job Summary

• Take personal responsibility for understanding the risk and compliance requirements of role and understand and comply with applicable laws and regulations, the Groups policies, procedures, and the Group Code of Conduct

Key Responsibilities

Strategy

• Manage Product Level P&L; for Mortgage loans
• Drive Key business levers – Rates / Fees / Product Mix / Profile Mix
• Drive business through campaigns, schemes, Offers, contests, distribution initiatives etc.
• Optimize processes & drive automation/digitization. Take up initiatives for Cost abatement.
• Evaluate Upsell and Cross Sell / Bundling prospects
• Manage Client Retention through value added offerings
• Manage various Product Level Circulars – Pricing Policy
• Effectively identify, escalate, mitigate, and resolve risk and compliance matters.
• Contribute to a culture in which all stakeholders feel protected to raise concerns and where risk and compliance matters are addressed, and misconduct appropriately dealt with represent SCB with Non Bank Financial Institutions to explore securitization prospects.




• Ensure Portfolio Securitization from Financial Institutions as per the SCB Mortgage Corporate Plan
• Create and drive revenue through profitable Securitizations deals
• Ensure the desired Discipline is maintained post onboarding

Business

Sales and Service Objectives

• Maximize Mortgage and Sales performance to achieve given revenue targets.
• Develop, implement and manage a best-in-class sales capability
• Review, analyze and manage the customer portfolio for profitable growth
• Initiate development of strategies for customer acquisition, retention, and cross sell
• Support where necessary, via joint customer calls and identify potential customers
• Manage service delivery in the network to the highest competitive standards
• Monitor service standards for the network and audit expected behaviors.

Processes

Operations & Compliance

• Control and periodically check operational risks and workflows

📌 Head Retail Assets (Mumbai)
🏢 Standard Chartered India
📍 Mumbai