Standard Chartered Kenya, whose official name is Standard Chartered Bank Kenya Limited, but is sometimes referred to as Stanchart Kenya, is a commercial bank in Kenya.

Job Summary

Relationship Manager (RM) is responsible for origination and would work closely with the acquirer and Client Service Manager (CSM) in onboarding clients, deepening relationships, and driving revenue growth. RM is responsible for post deal account maintenance and managing the risk associated with the portfolio. Oversee CSM who has the responsibility for post transactional activities and the Credit Analysts (CA) for credit related activities.

Business

Drive deepening activities with high-value or high potential clients with full range of Business Clients (BC) products, continuous analytics support, and collaboration with Business Specialists. Meet clients when required (i.e. once a month) Acquire and activate new clients referred from Existing to Bank (ETB) clients directly to Business Clients RM/Team Maintain integrity of clients’ credit portfolio through monitoring, early action and remediation actions

Processes

Relationship deepening by proactively reaching out to & engaging with high value Business Clients & “Hidden larger Businesses” as per the mandated protocols Acquiring from ETB client referrals On boarding clients on Business working capital (BWC) proposition. Supporting the client on any client-initiated needs Delivering on transactions, service requests, Mobile/Web training Updating CDD/ AML Managing Client’s credit situation

Key Responsibilities

People & Talent

Work closely with CA and CSM to make sure the credit files are complete and up to date Attend various internal or external sales/ non sales meetings, Portfolio Review Meetings and convene the consortium meetings where we are the lead bank. Maintain record of Confidentiality Agreement (Sales Team Leader to maintain file & copies will also be held by signatories to the agreement) Provides feedback to management and internal departments regarding customer service quality, product issues, customer complaints etc.

Risk Management

Ensure adherence to risk management, both reputational and operational. Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to: - Identifying your customer, knowing your customer, reporting suspicions, safeguarding records, and not disclosing suspicions to customers. Ensure you remain alert to the risk of money laundering and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to identifying your customer, knowing your customer, reporting suspicions, safeguarding records, and not disclosing suspicions to customers

Governance

Ensure adherence to the Risk Management Framework, Group Code of Conduct and various Policies, Procedures and Guidelines of the Bank by the Business Banking, Relationship team.

Competencies

Product broadening Understanding of businesses and financials. Enhanced multi-product Business Banking knowledge. Market and competition knowledge. Client engagement Presentation and soft skills tailored to engaging business owners. Internal stakeholder engagement skills. Closing deals. Ability to drive and manage client interaction. Communication and presentation skills. Negotiation and objection handling. Client training on digital solutions. Journey completion Discipline and time management to handle a client portfolio Ability to solve problems and close issues without handing over Strong analytical ability Understanding of BC KYC/CDD principles

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. Manage Medium Enterprises Portfolio to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] * Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters. Embed the Group’s Values and Group Code of Conduct to ensure adherence with the highest standards of ethic. Comply with relevant policies, processes, and regulations, as part of the Bank’s culture.

Key stakeholders

Internal

Head, Business Banking. Head, Medium Enterprises. Head, Client Relationships. Trade Product Manager & Trade Operations. Head, Credit Analysis. Credit & Risk team. Financial Markets & CMPS. Transactional Banking & Credit Risk Control (CRC). Client Deepening and Portfolio Strategy Manager Portfolio Monitoring & Controls Manager Business Operations & Risk Management. Branch Managers. Client Experience team. Conduct & Financial Crime Compliance (CFCC) Legal

External

Clients Legal Firms Accountants

Other Responsibilities

Embed Here for good and Group’s brand and values in Kenya, Wealth & Retail Banking (WRB) Medium Enterprises. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats). Origination, ensure quality client acquisition, identify prospect, and convert in line with Bank’s appetite and (Medium Enterprise) ME Segment Strategy. Client Onboarding & Deal Execution. Account Management & Portfolio Quality

Skills and Experience

Knowledge of Business Performance Management and Business Case Justification Problem solving skills and solutions driven Awareness of Business Markets Knowledge of Customer Behaviour and Preferences Collaboration skills

• Origination and onboarding of clients
• Deepening relationships with existing clients
• Driving revenue growth
• Post deal account maintenance
• Managing portfolio risk
• Overseeing Credit Analysts (CA) and Client Service Managers (CSM)
• Driving deepening activities with high-value or high potential clients
• Acquiring and activating new clients
• Maintaining integrity of clients’ credit portfolio
• Proactively reaching out to & engaging with high value Business Clients & “Hidden larger Businesses”
• Onboarding clients on Business working capital (BWC) proposition
• Supporting clients on any client-initiated needs
• Delivering on transactions, service requests, Mobile/Web training
• Updating CDD/ AML
• Managing Client’s credit situation
• Ensuring credit files are complete and up to date
• Attending internal or external sales/ non-sales meetings, Portfolio Review Meetings
• Convening consortium meetings where the bank is the lead bank
• Maintaining record of Confidentiality Agreement
• Providing feedback to management and internal departments regarding customer service quality, product issues, customer complaints etc.
• Ensuring adherence to risk management, both reputational and operational
• Remaining alert to the risk of money laundering and assisting in combating it
• Ensuring adherence to the Risk Management Framework, Group Code of Conduct and various Policies, Procedures and Guidelines of the Bank
• Embedding Group’s Values and Group Code of Conduct
• Complying with relevant policies, processes, and regulations
• Embedding Group’s brand and values in Kenya
• Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures
• Ensuring quality client acquisition
• Identifying prospects and converting them in line with Bank’s appetite and ME Segment Strategy
• Client Onboarding & Deal Execution
• Account Management & Portfolio Quality

• Product broadening
• Understanding of businesses and financials
• Enhanced multi-product Business Banking knowledge
• Market and competition knowledge
• Client engagement
• Presentation and soft skills tailored to engaging business owners
• Internal stakeholder engagement skills
• Closing deals
• Ability to drive and manage client interaction
• Communication and presentation skills
• Negotiation and objection handling
• Client training on digital solutions
• Discipline and time management to handle a client portfolio
• Ability to solve problems and close issues without handing over
• Strong analytical ability
• Understanding of BC KYC/CDD principles
• Knowledge of Business Performance Management
• Knowledge of Business Case Justification
• Problem solving skills and solutions driven
• Awareness of Business Markets
• Knowledge of Customer Behaviour and Preferences
• Collaboration skills

• BA/BSc/HND