Associate Director, Mortgage Lending

Job Description

*About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.To us, good performance is about much more than turning a profit. Its about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.Were committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.The Role ResponsibilitiesStrategy

• Achieve the Month on Month rolled-out budget both in volume & NSR.
• All new writings to be done in adherence to the pricing parameters which are released by the products Team.
• To ensure timely MIS with accuracy of data.
• Drive the team to optimise Cross-sell.

Business

• Deliver budgeted sales target and increase sales productivity
• Segment focus, customer focus needs-based selling
• Deepen customer relationship penetration through multi-product selling or bundles around anchor product
• Drive and monitor area sales strategy, create sales opportunities, evaluate effectiveness
• Build and manage relationship with business partners / intermediaries / channels
• Sells anchored product with bundling, mainly focuses outbound activities

Processes

• Drive team to reduce TAT by reducing errors & bringing in process efficiencies
• Ensure Proper Conduct, Nil Mis-selling, Sales Complaints, Sales Error, & Potential Inappropriate Sales (PIS) on a consistent month on month basis
• Ensure that strict controls are in place to monitor sourcing for all products as per policy/program guidelines
• To ensure there are NIL instances for Fraud Risk Management (FRM) & SQ Sampling.
• To deliver on FCRMP, ABC, AML & CDD standards.

People and Talent

• Train staff to ensure implementation of product knowledge, soft skills and industry knowledge and ensure that they are updated on Bank initiatives.
• Monitor performance and provide continuous feedback to the team members.
• Drive a High performance culture in the team and create an environment that ensures that team members live the Valued Behaviors and follow the Code of Conduct.
• Ensure mandatory trainings and e-learnings for all relevant colleagues are completed within stipulated timelines.
• Second Line Develop a strong 2nd line. Drive optimum span of control.
• Attrition Maintain staff voluntary attrition at sub 20%
• Ensure understanding and clarity amongst team members on objectives and scorecards
• Drive and monitor performance of the team - Ensure 80% Participation for FLIP
• Ensure continuous performance management undertake regular performance conversations with each team member and support on performance challenges.
• Contribute to hiring of individuals (both internal and external) most suited to the role. Ensure diversity of candidates interviewed. Aim being to have at least 20% of women leaders in aggregator roles within PeC family.

Risk Management

• Minimal complaints from customers.
• To ensure there are NIL instances for Fraud Risk Management (FRM) & SQ Sampling/CMS.
• Ensure complaints /sales errors/cancellations within the benchmark as required
• Adherence to laid down policies or guidelines in place.

Governance

• Understand and adhere to sales policies & Procedures.
• Implement the HR standards in all channels being used.
• Ensure the premises H & S standards are as per standardized norms.
• Arm s Length directives and processes are followed
• Ensure branding is as per approved norms and requirements
• Compliance with regulatory requirements.
• Partner Training unit and HR to ensure all sales staff in team are trained on CDD, AML, Mis-selling and other customer data protection principles.
• Ensure rigor in performance management process is followed.
• Ensure complete adherence to Principles & Policy of Treating Customers Fairly.
• Ensure adherence to all the customer outcomes required by Financial Services Authority.
• Ensure 100% completion of all Mandatory e-learnings within timelines for self and team.
• Ensure 100% adherence to all TPS governance parameters.

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key StakeholdersCity Head, Mortgage lendingQUALIFICATIONS:

• Must be a graduate. MBA s would be an advantage
• Candidates having Sales experience of at-least 1 year in the Retail Banking Industry; especially Home Loans, Wealth and Savings Accounts would be preferred
• Candidate having AMFI, IRDA (and other relevant certification) certification will be preferred
• Good knowledge of the selected market and customer segments would be an advantage
• Strong communication and negotiation skills with the ability to influence outcomes
• Strong inter-personal skills, which encourages and promotes enthusiasm and team spirit

Apply now to join the Bank for those with big career ambitions.To view information on our benefits including our flexible working please visit our career pages . We welcome conversations on flexible working.,

Keyskills :
financeadvisorycompliancereportingcustomer relationshome loansarea salessoft skillscustomer datawomen leadersretail bankingsales strategybrandingidentity marketing