Team Leader - Commercial Banking/SME Banking

Please Note:-

- Required candidate from Kolkata location only (who is having strong experience into Kolkata market)

- Required candidate who is having strong experience into team Handling

Job Description:

Reports to:- Sales/Segment/Country Head, Commercial Banking

Purpose : To manage, lead and direct a team of CB Relationship Managers in acquiring new accounts, growing and retaining an assigned portfolio of clients in Commercial Banking Contribute towards achieving Unit's overall targets.

Responsibilities :

Business :

- Formulate and execute business plan and implementation programs as agreed with the Sales/Segment Head of Commercial Banking in country to achieve agreed strategy and performance targets

- Ensure portfolio growth through new acquisitions and expansion of existing relationships

- Disseminate client, account and revenue growth targets as well as non-financial targets to their Relationship Managers, ensure they achieve these targets and sell in a professional manner through regular monitoring and coaching

- Regularly feedback to Sales/Segment Head, other management roles and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products, to meet any new challenges

- Lead, motivate, coach and develop Relationship Managers / sales support staff in selling and relationship building skills

- Work with branches and other service channels to enhance work flows

- Work closely with the Credit teams to improve service turnaround time and to strengthen credit related issues

Processes :

- Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.

- Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.

- Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis - incorporating infrastructure requirements and ensuring that they are fit-for-growth.

- Conduct quality checks on KYC / CDD process

- Act as supervisor and provide training to the team on CDD / AML regulatory / internal requirement

- Follow and comply with AML CDD policies and procedures where applicable

- Ensure internal / external KYC requirements are adhered to

People and Talent :

- Champion, and act as a role model of, the Group's values and culture for the team

- Build a top team capable of ensuring delivery of the business- short and longer-term objectives:

a) Develop and embed a high performance culture with specific focus on RM capability, effectiveness and productivity

b) Coaching, guidance and management of team to ensure they deliver against the financial, non-financial and risk/control objectives

c) Driving an environment of collaboration within the team, to ensure issues are raised and blockages are resolved in a timely manner

d) Drive RM resourcing, performance management and recognition

e) Identify and address the top issues/opportunities for performance improvement in the team

f) Management of discretionary spend, expense management

- Embody what - Effective Supervision- means in the context of Risk and Control in the area of responsibilities. Agree and manage improvement areas for action.

- Demonstrate fairness, consistency, and transparency in the Fair Accountability decision making process. Consult HR on the application of the disciplinary approach required and its reflection in P3.

- Embed the Group's values and culture and hold team members to the highest standards of integrity and conduct in line with the Bank's Code of Conduct

- Observe the Delegated Authority together with Group Code of Conduct, for examples, Gifts and Entertainment Policy, and Cross Border Activities, to ensure that financial and non-financial activities are governed under appropriate authority

- Supervise and provide guidance to team members on regulated activities of relevant Individuals where applicable, to ensure compliance

Risk Management :

- Understand the risk and control environment in their area of responsibility and drive rectification as required

- Be the first line of defense.

- Clear structures of accountability to ensure that team members are capable of performing successfully in their roles

- Interpret the approved operating instructions / procedures for staff to follow, and ensure all the staff understand their duties and responsibilities and the need to seek clarification or escalate issues in a timely manner

- Facilitate regular (at least monthly) team discussions on risk awareness, operation and risk control improvements, lessons learned from incidents and identify best practices to strengthen the team's operational risk awareness and knowledge

- Conduct on the job training and prepare the new joiners for their jobs

- Ensure effective implementation of Risk Management framework in the team

- Risk appetite is clear and integral to the strategy with appropriate controls

- Effective processes in place to identify, manage, monitor and report risk

- Timely handling of client complaints and in all cases report and escalate to management in accordance with established procedures.

- Systems and procedures to safeguard the security, integrity and confidentiality of information

Governance :

- Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation

- Ensure own and team's adherence with the relevant policies and processes, including

- Anti-Money laundering (AML) and all applicable money laundering prevention procedures

- Client Due Diligence & Related Periodic Reviews

- Client Suitability Standards

- Treating Customers Fairly

- Approval & review of Credit Applications

- Maintain Documentary standard

- Data Confidentiality

- Cross-Border Policy

- Sanctions

- Environmental and Social Risk Management (ESRM)

- Anti-Bribery and Corruption (ABC)

- Embed the Group's values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture

- Engage with all audit report findings and ensure feedback is acted upon

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 Organisation. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

- Lead the Business to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.-

- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders :

Interna l:

- Relevant Commercial Banking colleagues

- CDD Team

- Colleagues in Product, Risk, Compliance, HR and other Functions and Businesses

External:

- Key Clients

- Relevant external parties (e.g. regulatory bodies, industry bodies)

Other Responsibilities :

- Embed Here for good and the Group's brand and values

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

. Work effectively across organization, using values behaviors to drive overall business growth

Knowledge & Skills:

- Relevant banking certifications required to perform the role in the location

- Minimum 10 years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus.

- Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations

- Good leadership in demonstrating and promoting change

- Market/Competitor Knowledge

- Sound product knowledge on Assets products, trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment

- Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking

- Firm in all business guidelines and compliance issues

- Sound knowledge of financial markets and investment products

- Outstanding communication and presentation skills