Universal Banker

Job ID: 35903

Location: Mumbai, IN

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 31 Jul 2025

**Job Summary**
- Deliver quality service while carrying out the following transactions among others for customers:

- Cash deposits
- Cash withdrawals
- Demand draft/pay order instructions - accepting and processing
- Accepting instructions for FD breaks
- Effecting internal account to account transfers
- Accepting and processing stop payment instructions
- Ensure that all of the above services are delivered with accuracy and warmth
- Assist in Service Delivery by ensuring timely service to customers so customer traffic is efficiently managed. Recommend workflow changes for customer service with greater efficiency and effectiveness.

**Key Responsibilities**

**Strategy**
- General Reconciliation and Compliance Activities at their level, which may typically include:

- Dual control of Cash functions
- Control of Security stationary
- Review of processing entries and vouchers
- Contribute to branch performance through referrals, efficient customer service, effective operations controls

**Business**
- Sales Referrals: where relevant, identify prospects for cross-selling from observation of customer transactions and highlight the same to sales staff

**Processes**
- He/She is aware of bank’s Mis-selling & Sales Policies and ensure adherence all the times.
- Educating customers about alternate banking channels so specific transactions can be migrated to net banking, phone banking, ATMs, etc.
- Ensure he/ she is fully aware of all the policies and procedures issued in relation to ORMA, Group Code of Conduct, KYC/CDD/EDD and Money laundering prevention. He/she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer.
- Premises management in areas of merchandising, housekeeping as well as store management. Branch upkeep and maintenance
- Responsible for health and safety for all. As part of the Health and Safety guidelines you should

**People & Talent**
- Take reasonable care for the health and safety of co-workers and those who may be affected by your actions or your omissions; Co-operate with Management to support and promote Health and safety in the workplace;
- Ensure that your actions do not put others at risk; Work in a healthy and safe manner;
- Encourage others to work in a healthy and safe manner
- Report all accidents and incidents and bring to the attention of the management any hazard in the workplace

**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

**Governance**
- 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.
- 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

**Qualifications**
- Graduate/ Post Graduate, consistent academic career
- Extensive sales experience (2 to 5 years)
- Sales focused and highly target oriented
- Able to pick up new concepts quickly
- Able and excited about going out to meet new customers
- Competitive awareness & benchmarking
- Excellent communication, interpersonal & relationship building skills
- Banking knowledge
- Management Information Skills
- Good Interpersonal Skills

**Skills and Experience**
- Diligent & Punctual
- Banking Knowledge
- Team Management
- Strong communication skills
- Customer orientation and operation focus
- Good interpersonal skills

**About Standard Chartered**
- We're an international bank, nimble enough to act, big enough for impact. For more than 170 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