This job is with Standard Chartered Bank, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community. Please do not contact the recruiter directly.

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 safe 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
• Review key operational risks and efficiency indicators

Integration/ Change Management
• Roll out WRB initiated strategic steps across all frontline and manager levels within Mortgage team
• Lead the transaction migration initiative at the area

Segment Ownership
• Implement all segment/ product initiatives in the zone (PRB/ Premium/ Personal/ SME)
• Jointly own the delivery of segment / product (PRB/ Premium/ Personal/ SME) targets with the branch managers & segment associate directors

People & Talent
People Management
• Drive and embed a robust performance culture through inspiring, motivating, and rigorous performance management discipline. Develop and build talents within the network through optimal resourcing, capacity planning, succession planning and engagements




• Achieve high employee engagement and satisfaction. Retain talent, check attrition. Manage and mentor network staff and Union interface to ensure overall employee satisfaction
• Identify training, development and counselling needs for staff
• Undertake career growth planning for performers in the branch network

Governance
• Ensure he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD and Money laundering prevention and ensure compliance thereto. Any suspicious transaction must immediately be reported as per guidelines
• He/ She is aware of bank's Mis-selling & Sales Policies and ensure adherence all the times within the network
• Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
• Responsible for health and safety for all. As part of the Health and Safety guidelines you should:
• Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace
• Ensure that your actions do not put others at risk; Work in a healthy and safe manner
• Encourage others to work in a healthy and safe manner
• Report all accidents and incidents and bring to the attention of the management any hazard in the workplace
• Your employees are adequately trained and supervised to perform their tasks in a safe manner and are free to raise any Health and safety issues and these issues are addressed appropriately.
• The contractors working in your area or fo

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