Job Description

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Job Details
ARM

Requisition Number: 44427
Job Location: Mumbai, IND
Work Type: Office Working
Employment Type: Permanent
Posting Start Date: 25/11/2025
Posting End Date: 25/12/2025
:
Job Summary

• The Assistant Relationship Manager is the pivotal relationship in the RM team responsible for delivering exceptional client account management. The manager is responsible for proactively managing the client account on all day-to-day maintenance activities to ensure the highest level of client service and relationship health.

• The ARM supports the GAMs, RAMs or FAMs on an aligned client portfolio to ensure strong client delivery execution.

Key Responsibilities
Business
Provide direct support to the RM by proactively:

• Helping to prepare Account Plans, client briefing notes for senior management discussions, input to RCAF / GCAF
• Joining client visits (as appropriate) and ensuring client discussions are documented via call reports in Workbench
• Reviewing client profitability and opportunity to increase customer utilization - drive incremental business from the existing groups, seek potential new clients from existing groups
• Liaising with CMF and Credit Analyst teams to ensure seamless client onboarding and credit monitoring
• Actively engaging and collaborating with Clients, RMs and Product Partners to understand and respond to any issues relating to the ongoing account maintenance, including highlighting any unusual utilization patterns to coverage teams.
• Effectively partnering with CMF, CA, Legal, Compliance, Operations and Servicing teams as required to ensure client expectations are met or exceeded
• Where there are client account maintenance related issues / concerns, ensure resolution and escalate to the CM Team Lead / Head as appropriate
• Co-ordinate and liaise with FAMs to support network business

Processes
Documentation: Credit (existing deals - Renewals/Amendments) & Other

• Manage the end-to end documentation negotiation process including passporting of documents in the network subject to all approvals being in place as negotiated with Legal/Product and Business.
• Engage and coordinate with Legal & Compliance, Credit, IMO and Clients on standard documentation requirements such as standard terms, country supplements, banking facility letter, master credit terms, supplementary letters etc.
• Obtain necessary approvals for T&C deviations on standard documentation from the relevant authorizer as necessary

Risk Management

• Support the RM in reviewing client account activity reviews, ensuring transactional activities are aligned to the expected levels of activity for the client given their business profile
• Ensure deeper understanding on credit risk including default risk and fraud risk
• Ensure data quality of all AML and Credit documents/files meets CCIB standards to facilitate RM's decisions on risk acceptance
• Escalate any identified Operational Risk issues to the CM Head/Lead or BORM
• Be proactive in ensuring compliance with Bank policies and procedures and lead preparation of client files for audit purposes

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.
• Responsible for delivering 'effective governance'; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

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.
• 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.
• Adhere to local regulator, RBI prescribed responsibilities

Key stakeholders
Internal:

• Credit Analyst
• Product Partners
• Key functional partners ie IMO, Credit, Risk, FCC, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing
• Country Leadership team

External:

• Clients
• Legal firms, Audit firms
• Auditors

Qualifications

• Minimum Bachelor(s) Degree / MBA / CA
• Experience of 3-4 years in Corporate Banking
• In-depth knowledge of banking products, services and delivery channels
• Informed in market competition, industry practices and regulations for business banking
• Strong analytical, problem solving, networking and financial management skills.

Skills and Experience

• Understanding of processes
• Ability to understand the processes of the Bank for effective client servicing.
• Monitoring
• Ability to monitor accounts closely to ensure - (i) fast turnaround on deals (ii) closure of issues within agreed timeframe and (iii) no slippages / impairments
• Effective Communication
• Both oral and written in a clear and concise manner as job involves interacting with Client as well as various internal stakeholders
• Understanding of processes
• Ability to understand the processes of the Bank for effective client servicing.

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 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Information at a Glance
Standard Chartered 2025. All rights reserved.
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