Personal Financial Consultant at Standard Chartered Bank in Pakistan

standard chartered bank
Job Title: Personal Financial Consultant

Job Description
Job Grade: G9
Job Location: Karachi, PakistanJob Description:
The role holder is responsible for driving profitable volume growth through new business acquisition and maximizing every customer (both new and existing) engagement. Their focus is on the General Mass Market segment, uncovering customer¿s needs and providing them with the right product & service solution from the full range of Consumer Banking products offered.In addition to acquiring new to bank customers, the role holder will manage an assigned portfolio of high value customers segment to further deepen existing relationships and grow share of wallet / potential value within the Bank.It is expected for the role holder to be customer centric and provide excellent customer service to complete customer¿s experience. Role holder is also expected to have some knowledge and experience in offering a range of products to meet the customers needs but is unlikely to have the full knowledge and experience to offer all Consumer banking products
Key Roles & Responsibilities
Client Acquisition & Value Management (Required)
*Solicit new to bank customers
*Extend existing customers¿ relationships into additional / new product areas
*Grow & improve customers value and profitability by engaging & deepening existing customers relationships
*Convert customer leads to sales
*Generate potential new leads for other parts of bank  e.g. Private Bank
Client Acquisition & Value Management (Excellence)
*Successfully improve & continuously grow customer value & portfolio size by deepening existing customer relationships
*Successful and consistent conversion of leads to sales
*Upgrade potential customers to Excel and Private Banking
Consultative & Needs Based Selling (Required)
*Consultative selling of multiple standard products to customers based on identified needs
Consultative & Needs Based Selling (Excellence)
*Refer to product specialists to advise and promote more complex products based on identified needsRelationship Mgmt (Required)
*Proactively engage customers, establish & deepen relationship
*Qualify customer requirements appropriately
*Provide advice on potential financial solutions based on identified needs
*Provide advice and respond appropriately to less complex queriesRelationship Mgmt (Excellence)
*Build on existing relationships to grow/ and         develop customers portfolio
*Continuous engagement and build emotional connection with customers
*Cultivates a customer pipeline
*Anticipate  future basic product needs given    analysis of current stateTransaction Processing (Required)
*Accurately process transaction documentation

Transaction Processing (Excellence)
*Identify opportunities for transaction processing improvements

Qualifications & Skills
Market / Competitor Knowledge (Core)
Product knowledge (Core)
Risk Management (Core)
Needs profiling & analysis (Core)
Negotiation & Objection Handling (Core)
Needs Based / Consultative Sales Skills (Core)Bachelor/Master Degree in Business
The closing date for applications is 22/03/2012

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