Executive, Unsecured Lending Centre
Standard Chartered
Hong Kong, Hong Kong,

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. It's 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.

We're 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 Responsibilities & Our Ideal Candidate Strategy

  • To achieve business objectives and sales target through outbound calls and face-to-face customer contacts.
  • Business

  • To handle sales-related enquiries during the outbound activities
  • To act as off-site Sales Consultants when required
  • To acquire business opportunity from branch walk-in customer
  • To handle sales-related enquiries during the inbound call
  • To handle in-bank cross team referral
  • Processes

  • To obtain documents from customers and ensure its relevancy according to credit policy
  • To explain product features / charges to customers
  • To negotiate count-offer with customers and handle objections on pricing, approved loan amounts and tenors etc.
  • To confirm drawdown details with customers
  • To handle customer complaints
  • To provide customer centric financial advice and to offer tailor-made customer solutions
  • People and Talent

  • Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
  • Ensure the provision of ongoing training and ensure all critical functions are suitably skilled and qualified for the roles
  • Risk Management

  • To comply with the control requirements in the Procedures Manual relevant to respective job responsibilities in Personal Client Centre, Voice & Victual.
  • To comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager
  • To comply with all relevant policies and procedures covering regulatory, local and group requirements.
  • Governance

  • Responsibilities relating to the direction, planning, structure, frameworks (e.g processes and policies) and oversight.
  • For example, Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas;
  • Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.

    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 Unsecured Lending PL, Client Centre, Hong Kong Team to achieve the outcomes set out in the Bank’s Conduct Principles
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Key Stakeholders

  • Product Team
  • Fulfilment Team
  • Operation Team
  • Clients
  • Other Responsibilities

  • Embed Here for good and Group’s brand and values in Voice and Victual, Hong Kong Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
  • Foundation
  • Day 1 Readiness
  • Multi Skill Training
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