Job Vacancies @ Standard Chartered Bank Nigeria – 3 Positions

Standard Chartered Bank Nigeria - We attract talented individuals. Not only can they give you the benefit of their experience, they also reveal a closer, more personal look at the wide range of global opportunities we offer. At the core of the Group's people strategy is our focus on employee engagement. Engagement is a key driver of productivity and performance, which creates the foundation of our performance culture. We encourage and focus on the behaviours that bring out the very best from every employee, assessing their performance not just on results but on how those results were achieved. To further embed these behaviours we have a remuneration programme in place, carefully designed to incentivise our employees to live our values every day.

Standard Chartered Bank Nigeria is recruiting to fill the following positions:

1.) Value Chain General Manager, Digital & Personal Banking
2.) Credit Analyst
3.) Senior Global Account Manager (Executive Director)

Job ID: 2200024824
Location: Lagos, Nigeria
Schedule: Full-time
Job: Retail Banking
Employee Status: Permanent

The Role Responsibilities

• The VCGM, Digital and Personal Banking (Nigeria and W Africa) is responsible for driving the overall CPBB banking digitization strategy and personal banking portfolio at country level and oversee the implementation of the financial inclusion roadmap for the bank.
• In addition, provide direction for use analytics and data to enhance business objectives and revenue potential.
• The role also confers oversight for the Digital and Personal Banking portfolio across the West Africa markets to provide guidance, project and strategic direction in line with AME over vision and objectives

Strategy Formulation & Execution, and Financial Management:

• Align with group & country CPBB priorities.
• Manage profitability across Digital Personal Banking Channels.
• Identify and define Digital & technology roadmap for alternate channels to support business delivery i.e. internet-banking, mobile banking, Agency Banking, Digital Lending & venturing into Fintech partnership and Development.
• Champion the role of digital in all revenue, product and communication activities; and provide digital knowledge input into customer and proposition development.
• Tasked with implementing strategies to drive revenue and budget targets with the aid of big data to implement personalised campaigns to cross sell products and ensure digital adoption
• Responsible for budget planning and target allocations to Business Segments and Branches to achieve annual business objectives
• Responsible for the strategic direction, development and implementation of SCB Agency Banking business
• Spearheaded engagements in developing strategic alliances and partnership with retail distribution clients of SCB to become Agent Banking partners
• Drive ideation around cluster innovations and enhancements on digital banking channels and clients notification systems
• Oversee localisation and optimisation of digital assets (web, EMD and SMS) in country before upload into group content management system and final delivery to clients.
• Be responsible for leading the way in productivity through process improvement, better management tools and training.
• Optimize channels P&L, Balance Sheet & KPIs.
• Drive new sales and total revenue through customer deepening and retention strategies.
• Business development, external alliance mgmt.

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Business:

• Work closely with Regional and Cluster stakeholders to manage digital transformation agenda including delivery of digital sales, campaigns and other digital banking KPIs
• Support socialisation of group analytics on a regular basis, articulating the country optimisation view
• Work with stakeholders in the country to ensure business needs and expectations are being met

Processes:

• Steward regulatory and day-to-day engagement with country compliance on all digital and data requirements and deliveries
• Review and approve all request for access to proprietary digital banking platforms such as online banking back office, Alternate Delivery Channel (ADC), X-Portal, workbench (iPad module & coding station access), e-statement & emailing platform, website content management, messaging platform, CEMs.
• Coordinate and approve operational readiness framework and checklist for all digital banking deployment and data reporting including campaigns
• Review and approve downtimes impacting all proprietary digital banking platforms
• Review and approve Change Requests (CRs) impacting all proprietary digital banking platforms

Customer Experience & Relationship Management:

• Delivery of Bank’s brand promise to our customer, tailored across segments.
• Partner with segment and products.
• Responsible for embedding a culture of service excellence and continuous improvement.
• Identify process improvements opportunities, drive for gap resolutions.

Leadership, People & Community Development:

• Ensure organization structure & people programs appropriate to deliver plans.
• Implement and embed a high-performance culture through robust performance management and differentiated reward and recognition.
• Responsible for developing a succession plan for all one down and mentor/coach top talent.
• Achieve strategic people requirements.
• Lead in employee engagement & attrition.
• Lead in strong internal & external networking & alliances building.
• Lead through example and build the appropriate culture and values.
• Be an effective agent of change and a role model within the bank
• Develop a people culture which encourages and champions change among employees in the daily workplace.

Risk Management & Control:

• Compliance with external and internal regulations/policies on Ops, Credit, Reputational and People Risk.
• The implementation of Risk Type Global policies, and as appropriate, the maintenance of Business Policy/ Country addendum.
• Ensure that risk assurance processes are in place and provide evidence of proactive risk management of the Risk Type and compliance with policy.
• Ensure that the Risk Type is properly represented at the relevant Business/ Country Risk Committees.
• Ensure that Risk Management responsibilities and processes for the Risk Type are properly communicated across the Business/ Country to all staff impact.

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.

Our Ideal Candidate

• University Degree backed by very strong formal banking and management training.
• Minimum of 10 years experience in financial services industry.
• Have played senior role in branches, New Business equivalent, Contact Centre management or Remote Banking,
• With domain expertise in at least 2 areas and, if possible, with experience very strong Digital capabilities/products/credit risk/operations.
• A certification in project management, cards & payments, process engineering or analytics is relevant
• Functional Knowledge requirements: Digital strategy; website optimisation; digital analytics; e-Commerce strategy; digital payments; current market/ competitive digital positioning; partner and alliance management
• Sound knowledge of banking, payment systems and regulatory environment
• Strategic thinker, with proven large team management capability.
• In depth knowledge of products, sales, services, delivery channels and customer segments.
• Good communication skills both written and oral and the ability to work independently without close supervision.
• Very good knowledge and understanding of the Group Policies, Standards, local regulations and legislations on the prevention of money laundering.

Talent, Skill and Knowledge:
Core:

• Strategic acumen
• Conceptual thinking - able to structure and organize
• Execution orientation - able to execute and deliver results
• Service and customer centricity
• Influencing and networking
• Presentation and communication
• Ability to manage in a geographically and culturally dispersed environment

Application Closing Date
13th September, 2022 (11:59:00 PM).

How to Apply
Interested and qualified candidates should:
Click here to apply online

Job ID: 2200023090
Location: Nigeria
Schedule: Full-time
Job: Institutional Banking
Employee Status: Permanent

Job Summary

• To provide insightful, relevant, succinct and timely credit analysis of a portfolio of SCB’s clients (current or prospective).

Responsibilities 
Strategy:

• This includes responsibility for proposing counterparty credit grades via the relevant scorecard, and ongoing monitoring for credit-material events. While the portfolio will be industry / geography specific in focus, the role extends to analysing other clients as may from time to time be required
• Insightful: Attuned to the needs of two audiences – Client Coverage and Risk - the analysis should provide a forward-looking, focused opinion on the likely development of both business and financial risk elements in their industry / geographic context together with a calibrated articulation of key risks and potential mitigants thereto.
• Relevant: As well as a holistic counterparty assessment, analysis should comment on structural elements relevant to SCB’s existing or proposed exposure such as guarantee and security arrangements
• Succinct: While always providing sufficient granularity to substantiate its conclusions and observations, the analysis should present opinion in as structured and succinct a manner as is practical
• Timely: While focused on the prescribed annual review cycle, analysis will also be required where material new exposure is being considered by Client Coverage. In addition, more summary analysis should be produced and disseminated quickly, where relevan
• Additionally, for any BCA submission it will involve the following:
• Critical review of Environment and Social Risk Assessments, Appropriateness and Suitability Assessments (FM Products);
• Consistency and coherence review of the Approved Account Plan, Raptor (or equivalent), Client & Group Facility Summary & Structure (including Terms and Conditions)
• Active partnership with Client Coverage in completion of Risk Profile, Compliance Details, as well as proposed Covenants and Risk Triggers
• Overall accountability for consistency and coherence of the complete BCA package submitted to Risk will rest with Credit Analysis and is a key element of the strategy.

Business:

• To partner the team’s two key stakeholder communities, Client Coverage and Risk, supporting the former in developing and executing their client strategies and both in respect of credit analysis-relevant matters.

Processes:

• Timely drafting of credit analysis as directed by the relevant Team Leader. Such analysis should be Insightful, Relevant and Succinct (see Strategy) and include the following, inter alia:
• Discussion of the dynamics and nature of the Client’s industry, including key risk aspects;
• Assessment of the Client’s competitive positioning within its industry;
• Discussion of management strength, experience and track record and corporate governance more broadly;
• Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks;
• Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity;
• Development of a current / forward year base forecast performance expectation;
• Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
• Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness, Fraud risk;
• Evaluation of risks associated with particular proposed transactions, where required;
• Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
• Complete ESRA (Environment and Social Risk Assessment) Checklist;
• For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist;
• For Cat 2 lines, Credit Term Sheet updates based on RM/Risk feedback;
• Supporting business on structuring deals;
• Documentation support on credit aspects and working with IMO on BCA reworks;
• Testing and Monitoring Covenants & Risk Triggers;
• EAR & ASTAR reporting/updates to credit;
• Seek pre-approval endorsements(where applicable);
• Preparing country specific regulatory check-lists (where applicable);
• Credit stress testing
• CCC Certification
• Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.

People & Talent:

• Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities
• Continually strive to share key relevant knowledge and learnings with others across the team
• Provide credit specific coaching to newer or less experienced members of the team

Risk Management:
In respect of Clients where the role-holder is assigned as analyst:

• Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
• Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects
• Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects
• Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis
• Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB

Governance:

• Maintaining integrity in analysis at all times is critical.
• This includes frequent and iterative discussion with both Client Coverage and Risk around draft analysis, key sector / geographic trends, as well as discussion of covenants, risk triggers and the like.
• It involves proactive idea generation and discussion with Client Coverage around potential business opportunities for SCB, assisting both Client Coverage and Risk around transaction structuring and execution, where relevant, and identifying and alerting stakeholders of emerging risk aspects on a continuous basis.

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 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.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association

Key Stakeholders:
Internal Relationships:

• GAMs, RAMs, FAMs
• Risk
• Product partners
• CDD, where relevant
• Legal, Audit and Compliance, where relevant
• Physical Commodity Operations, where relevant

External Relationships:

• Clients
• Rating Agencies
• Market Data Services providers
• Qualifications

Educational Qualifications

• Graduates / Graduate calibre
• Sound knowledge of accounting and financial principles gained by experience or qualification
• MBA or CFA qualifications advantageous, but not required

Experience & Skills:

• Minimum of (Grade dependent) years’ relevant experience gained either in banking, treasury or accounting environment
• Strong analytical ability, focused on the assessment and calibration of credit risk
• Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment
• Able to hold credible dialogue at all levels of the organisation, as well as with clients
• Well organized, able to multi-task and balance competing demands.

Key Requirements:

• Analytical strength – to spot emerging risks, in particular forward looking industry trends.
• Gravitas – to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.
• Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose

Application Closing Date
8th September, 2022 (11:59:00 PM).

Method of Application
Interested and qualified candidates should:
Click here to apply online

Job ID: 2200021250
Location: Nigeria
Schedule: Full-time
Job: Institutional Banking
Employee Status: Permanent

Role Responsibilities 

• Whilst maintaining responsibility as the primary global client contact, a Senior Global Account Manager (“GAM”) role is more importantly one of a trusted strategic advisor to the Client (especially in the absence of a specialised Financial Institutions Industry team).
• A Senior GAM is expected to lead strategic Industry specialist discussions, as well as identify solutions and bring in the right product partners to execute on proposals.
• A Senior BBD GAM should be able to take on expanded coverage of other Financial Institutions as well as Banks & Broker Dealers if required (Institutional Clients, including Real Money Funds, Hedge Funds and Insurance).
• Responsible as the primary global client contact delivering the best product the bank has to offer by mobilising RAM’s, FAM’s, product partners & new ideas into each client relationships.
• As well as the GAM being the strategic advisor to the Client, the GAM is accountable for the overall client group revenues, profitability and risk acceptance (AML, CDD and Credit).
• The GAM is responsible for Account Plans, establishing and maintaining an end to end understanding of the client group structure and client needs and steering the client relationship. Define and agree the relationship strategy for the client and drive the global execution.
• Identifies and acts on opportunities to create new partnerships by working closely with the coverage team and product partners to ensure execution of Account plans.
• Acts as a champion of the Bank’s brand, culture, and conduct standards
• The Senior GAM is also the risk owner of the client and should have a good knowledge of credit, as well as correspondent banking regulations and risks.

Purpose

• Lead the origination and client relationship management for a portfolio of BBD Clients, including setting overall client strategy and account plan
• Develop and maintain a deep understanding of the clients’ needs and the industries / markets in which they operate
• Direct the coverage team of industry and product specialists to deliver on client strategy
  • Holistic and well-designed solutions across our full range of products to clients
  • Overall client profitability, pipeline in particular the cross-sell commitments made as part of the Account Planning and deal approval processes
• Active engagement and high level (‘C’ suite) contacts with senior executives within clients. Maintain a strong working relationship with Risk, Legal and Compliance and other key stakeholders.

Strategy:

• Lead the development and implementation of the client strategy (working with the coverage team including product partners) for the designated portfolio as identified through the Account Planning process
  • Accountability for delivering financial performance objectives (revenues, costs, RoRWA, etc)
  • Accountability for all other objectives for the management and development of client relationships, specifically compliance (AML, CDD) and credit risk.

Business:

• Actively identify client needs across full set of SCB product capabilities, originate new business and grow the franchise by capitalising on bank competitive attributes (eg Network etc).Selectively developing new relationships where required.
• Engage senior management and decision makers of key clients to improve the quality of dialogue with clients, promoting a move away from ‘transactional’ reactive client coverage to consistent value added partner/trusted advisor status. Anticipate clients’ needs and provide strategic advice, bringing in the relevant product and industry partners as appropriate.
• Maximise the profitable revenue to the Bank whilst maintaining focus on client outcomes, strengthening and deepening existing relationships both at the most senior level as well as at the operating level in the clients in the designated portfolio.
• Professionally represent Standard Chartered Bank at the highest levels within region and internationally.
• Bring strategic thought and vision as to how the FI landscape regionally/globally is changing and where areas of international growth lie relevant to the client portfolio.
• Ensure that industry and product knowledge is continually developed personally and within the team.
• Stay abreast and anticipate the developments of the Industries/ markets in which our clients operate

Processes:
Proactively manage the designated client portfolio to ensure:

• Close ties exist with key stakeholders eg. Financial Markets, Transaction Banking, Corporate Finance, Risk, Country CEOs, Service Delivery, etc.
• Risks are appropriately identified and managed.
• The broader support team is suitably trained with respect to an understanding of the regulatory environment, keeping up to date with applicable changes and Group policies with ability to contribute and, where possible, influencing policy formulation
• Key regulatory risks and concerns are raised into the governance framework throughout the Global Banking team
• All sales disciplines are adhered in accordance with CIB standards i.e. Account Planning, Call Reports, Deal Pipeline Management, static data management as applicable for the role.
• Develop opportunities through attendance at key Industry events as necessary.

People and Talent:

• Lead through example and build the appropriate culture and values for the junior broader banking staff.
• Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.

Risk Management:

• Take the initiative regarding regulatory, reputational and ethical matters, taking the initiative for providing proactive advice to clients as identified. Coach and manage the team in these matters and ensure they are adequately trained in and cognisant of regulatory, reputational and ethical risks
• Embed the Group’s values and code of conduct and develop a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among team members.
• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate escalation to Regional / Country Banking Heads and Group/governance committees, as appropriate.

Governance:

• 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.
• Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

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 team 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.

Key Stakeholders:
Internal:

• Engage with product partners within the region and globally to ensure breadth and depth of client coverage and deepening.
• Work with Client Managers to ensure talent development throughout the team
• Consult with senior stakeholders in Risk and Legal & Compliance to ensure that the portfolio remains credit worthy and within the policies of the bank.

External:

• Senior point of contact with FI clients, acting as a trusted advisor to C-level stakeholders
• Peers in the Corporate Banking sector.

Other Responsibilities:

• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Requirements
Our Ideal Candidate:

• Bachelor 's Degree in Banking or Finance preferred
• Broad product knowledge; deal / origination focus
• Ability to establish strong relationships with clients and internal functions to drive revenues
• Identify opportunities for referral to GAM/RM
• Solutions oriented with good communication skills
• Works well under pressure and tight deadlines.

Application Closing Date
5th September, 2022 (11:59:00 PM).

How to Apply
Interested and qualified candidates should:
Click here to apply online