Strategy
• To support SME Banking growth through Strategic Initiatives, including but not limited to financial institutions with digital / internet / mobile lending platforms, eCommerce / online store operators, government departments (e.g., tax / custom authorities), Fin-tech companies and accounting software companies. - Support in line manager to develop and implement the SME Banking segment strategy by region and/or by industry. - Support in enhance customer value propositions through in-depth market research, and develop appropriate SME Banking strategies with the rights to win; Coordinate the team to implement GBA / YRD initiatives to support the bank strategy. - Execute client segment strategies and client campaign delivery. - Enhance SME Banking client communication, sales kit, CVP, market research. - Leverage customer and performance analytics to determine segment strategies, effectiveness of relationship and performance management model deployed. - Assist line to deliver the strategic key agenda.
• In line with the commitment to serve SME segment by supporting their high-quality development needs, SME department will continue to extend the coverage of financial services, uplift comprehensive financial service capabilities for SMEs, as well as provide one-bank financial solution to support SMEs’ whole life cycle growth (from start-up to cross-border expansion).
Business
Partnership & Alliances Management • Participate & execute business strategy formation for SME Banking • Recommend and on-board agreed partnerships, implement segment offer, business case in the designated. • Coordinate the sales force and service team as well as product team as need to implement related marketing promotions. • Participate in SME Banking strategic planning & formation & execution. • To synergize product strategy with sales strategy to further achieve revenue, balance sheet, and operating profit targets. • Full responsibility to close working with stakeholders to achieve expected delivery.
Segment & portfolio Management. • Assist line manager to develop & execute the segmentation strategy & refine SME BANKING Segment CVP • Implement with segment related marketing events, promotions, and client campaigns. • Manage external customer communications through close collaboration with MKT, MMM and frontline. • Coordinate and liaise with stakeholders to carry out the plan and achieve expected delivery. • Assist line manager to establish the structured frontline sales and service model to ensure CVP delivery. • Assist line manager to conduct customer segmentation, working closely with Data Analysis to provide insightful analysis for SME Banking strategy and value proposition to drive business result via leads campaign, improving deal success rate and turnaround time. • Optimize leads assignment process and design/provide effective tools to frontline. • Perform dimensional analysis on SME Banking portfolio to highlight segment focus as well as potential business opportunities. • Market intelligence on servicing SMEs. Recommend adoption where there is business case. • Optimize leads assignment process and design/provide effective tools to frontline;
Processes • Ensure that the segment initiatives related processes are smooth and sound. • Engage with frontline and product to ensure that the process at the execution level is sound and smooth
People and Talent • Perform professionally as a team player to lead, co-work, or support in all SME Banking related initiatives. • Enhance & multiply the quality & depth of direct reports in SME Banking family. • Drive performance through clear objectives via scorecards, KPIs. • Identify current and future employee development needs (skills, training, behaviour, coaching, and career path) • Identify and recruit new staff based on the staff planning with supports from local HR and HR business partner
Risk Management & Governance* • Ensure effective and efficient operations without sacrifice on control and service quality. Continually look at opportunities for process improvements • Work with Compliance, ensure adherence to regulations particularly relating to SME Banking segment and Alliance Management • Work effectively across SCB, using values behaviors to drive sustainable business growth. • Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct
Compliance & Control • Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff. • Contribute towards achieving and maintaining satisfactory audit rating. • Contribute towards ensuring that the value stream is fit for growth and have effective controls framework. • Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.” • Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.” • Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency. • Accountable for implementing and complying with AML CDD/Sanction requirements when performing duties: - Ensure timely escalation of suspected or known transactions which are in breach of Group policy and procedures or local regulatory requirements. - Full compliance with AML CDD/Sanction related policy and procedures of Group, Country and local regulatory when performing BAU tasks. • To comply with all compliance requirements with high alertness to MLP procedures and take the lead at all times to be alert to unusual or possibly suspicious customer activity and must report/escalate up on any suspicious transaction.
• Good understanding of digital landscape, relevant online banking technologies and products for application to SME users • Demonstrable capabilities in growing businesses and developing business using digital partnership / channels. • Proven risk management capabilities. • Firm in all business guidelines and compliance issues. • Demonstrated communication and engagement skills. • Endurance, personal perseverance, strong self-motivation, entrepreneurial, problem–solving skills with flexibility, team player. • Good social skills with in-depth network into relevant target market
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