Universal Banker

**Job**: JOT to update

**Primary Location**: Asia-India-Ernakulum

**Schedule**: Full-time

**Employee Status**: Permanent

**Posting Date**: 22/Apr/2024, 7:49:34 AM

**Unposting Date**: 13/May/2024, 5:59:00 PM

**Role Responsibilities**

Balance sheet growth/ Referrals to improve branch performance
- Contribute towards Balance sheet growth
- Referral of bank products to contribute towards franchise development
- CASA, Assets, FX

Operating Efficiency
- Migration of cash withdrawals, cash deposits and credit card repayments/ cash advances to ATMs
- Drive usage of internet banking/ mobile banking

Individual measures to improve the service levels and to provide support to individual RMs
- Productivity: Ensuring high productivity levels and a high number of teller transactions
- NPS: Enhancing Net Promoter Score to ensure good quality of service levels in the branch and to ensure client satisfaction
- Improve customer wait experience

Reduce wait time and overall turnaround time

Collective measures to support the governance and operations capabilities
- Audit: Being audit-ready at all times. Ensuring there are no errors/ breaches reported in the teller area during audit and surprise checks
- Operations Loss: Ensuring there are no operations losses in the branch
- Frauds are minimized / reduced
- Ensure management control and performance / operating standards are appropriate and are being adhered to.

Transaction processing to be carried out in the branch as per agreed internal and external policies and procedures
- Accurate and prompt reporting of KRI’s / KCS/ SORR/LSORR and other reports
- Necessary follow up on excesses and provisions created to be tracked very closely.
- Ensure that transactions processing is error free and as per the delegated authority levels.
- All transactions are processed & reported keeping in mind the ML and KYC norms

Strategy* Awareness and understanding of the Group’s business strategy and model appropriate to the role.

Business
- To achieve the set targets for portfolio growth and new sales

People & 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.

Risk Management
- Ensure full awareness of all policies and procedures issued in relation to money laundering prevention and KYC.
- Ensure compliance with the above policies on an ongoing basis and reported any suspicious transaction immediately to the supervising officer.
- Ensure full awareness of all policies relating to operational risk, sales processes, misselling, etc. and comply with the same
- Read, understand and comply with all provisions of the Group Code of Conduct.

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.
- Lead the [country / business unit / function/[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.]
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QUALIFICATIONS

TRAINING, LICENSES, MEMBERSHIPS AND CERTIFICATIONS
- EDUCATION GRADUATE, CONSISTENT ACADEMIC CAREER WITH RELEVENT EXPERIENCE
- TRAINING
- LICENSES
- Competitive awareness & benchmarking
- Banking knowledge
- Excellent communication, interpersonal & relationship building skills
- Able to pick up new concepts quickly

**About Standard Chartered**

We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:

- **Do the right thing** and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- **Never settle,** continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- **Be better together,*