Job Description

Requisition Number:

46125

Job Location:

Mumbai, IND

Work Type:

Office Working

Employment Type:

Permanent

Posting Start Date:

17/12/2025

Posting End Date:

31/12/2025

Job Summary

The Assistant Relationship Manager ("ARM") is the pivotal relationship in the Relationship Management ("RM") team responsible for delivering exceptional client account management. The ARM is responsible for originating business for the existing client group that they are handling and proactively managing the client account on all day-to-day maintenance activities to ensure the highest level of client service and relationship health.

Key Responsibilities

Strategy

ARM is involved on the client / group level account strategy along with the RM - set out revenue expectation for the group(s) and clients(s), discuss and agree with product partners on the contours of the product suite that should be available to the group / client basis the overall understanding of the concerned group / client credit standing.

Business

Originate cash, trade and financial markets business from Tier 2/3 clients of the existing group(s) that ARM is handling with help from RM's, product partners. Provide direct support to the RM by proactively: Support RM in market and on-boarding new clients, which could be part of the existing Group or a new Group. 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 relevant teams like OCM, 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 OCM, 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. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Adhere to local regulator, RBI prescribed responsibilities

Key stakeholders

Internal:

GAM / FAM / RAM Credit Analyst Product Partners Key functional partners ie OCM, Credit, Risk, FCC, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing Country Leadership team

External:

Clients Legal firms, Audit firms Auditors

Other Responsibilities

Embed Here for good and Group's brand and values in SCB India, CIB, BC; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;

Qualifications

Education-Min postgraduate Languages-English and one regional language

Skills and Experience

Account Management Addressing Customer Needs Knowledge of Customers Problem Management Process Cross-Selling Knowledge of Product Line Account Management

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.