Director, Partnerships and e-Commerce Solution, SME Banking

Job Summary

• Drive the development of new banking proposition for e-Commerce clients including lending, cash management and FX solutions
• Onboard and manage e-Commerce ecosystem partners including marketplace, payment companies and logistics companies; and develop tailor-made banking proposition to drive client referrals from partners
• Develop new products and credit governance model catering to the different client needs of Small Business and Medium Enterprise segments.
• Develop supply chain solution proposition and drive partnership with anchors from CIB and big conglomerates in HK for SME to finance the SME suppliers.
• Collaborate with SME Banking China / Greater Bay Area team to drive cross-border collaboration.

Strategy
Develop partnerships and e-Commerce proposition in SME Banking that meets the needs of HK and Greater Bay Area e-commerce clients in Small Business and Medium Enterprise segments including cash management, lending and wealth management solutions, thereby achieving a multiple-product relationship towards this client segment.
 

Business
Optimize SME Banking e-Commerce portfolio return and revenue through improving customer targeting, partnership strategy, setting pricing strategy and product enhancements. Lead the execution of business strategies to achieve financial targets, superior customer service quality and growth opportunities in new product areas.  

Processes
Develop, rollout, maintain and recommend procedures and controls that meet / strengthen the requirements of acquisition and deepening programmes

Key Responsibilities

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 strict compliance with all regulations and controls as set by the Bank and external regulatory authorities.  Responsible for achieving and maintaining satisfactory audit rating where needed 

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. 

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 Hong Kong SME Banking 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.
• •    The HKMA

Key stakeholders
Relationship Managers, WRB Product Teams, Business Risk Management, Compliance, Legal, Group SME Banking
 

Skills and Experience

• Small Business Banking  
• Lending Process and Standards 

Qualifications

• University graduate with over 10 years of proven banking and e-Commerce experience and exposure in SME Banking, Sales, Credit, Product Management.  Preferably with both lending and cash management experience to design total solution.
• Strong stakeholder management and influencing skills and the ability to effectively work with multiple business partners
• Knowledge of the changing regulatory environment in the e-Commerce sector and financial services sector
• Highly motivated and proven record of delivery within challenging time scale
• Demonstrate ability to drive projects and implement changes
• Proven problem solving skills with the ability to consider alternative and innovative solutions