Job Description
Job : Retail Banking
Primary Location : Asia-India-Mumbai
Schedule : Full-time
Employee Status : Permanent
Posting Date : 1+/Jun/2026, 4:16:54 AM
Unposting Date : 1+/Jul/2026, 5:5+:00 PM
JOB SUMMARY
To achieve agreed business financial and non-financial targets by acquiring, growing and retaining Government Business customers within acceptable risk parameters with a team of Government relationship managers.
Contribute toward achieving team’s overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with GBRMs, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
RESPONSIBILITIES
Strategy
To achieve agreed business financial and non-financial targets by acquiring, growing and retaining Government Business customers within acceptable risk parameters with a team of Government relationship managers.
Contribute toward achieving team’s overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with GBRMs, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
Business
Achieve business financial and non-financial targets while contributing towards team’s overall deliverables through:
o Building trusted client relationships in GB segment – primarily CA and SA (PFMS/Non PFMS account)
o Agency Business going forward (TAX, Non-Tax, PPF, Sukanya Samriddhi etc)
o Implement agreed business plan to achieve sales/ revenue targets
o Working on solutioning pertaining to GB clients in close association with Product team, various important integration (Central & State) like PFMS, SBMS, IFMS GEM etc that are required for Govt business
o Generate creative ideas on GB customer acquisition and products/ services
o Team management of GB RM’s and their productivity
o Important Central Mandates and to use them effectively for Centre and State Business
o Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct
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 regular and timely customer due diligence (CDD) reviews
Ensure CDD profiles are error free for timely sign off
Follow and comply with AML CDD policies and procedures where applicable
Identify KYC issues, provide solution or escalate to line manager if necessary
Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
Risk Management
Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
Do what is right in order to avoid reputational risks and operational losses
Governance
Ensure relevant systems and controls pertaining to the role remit 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 adherence with the following Regulatory Compliance policies and processes (as is applicable):
o Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
o Client Due Diligence & Related Periodic Reviews
o Client Suitability Standards
o Treating Customers Fairly
o Approval & review of Credit Applications
o Maintain Documentary standards
o Data Confidentiality
o Cross-Border Policy
o Sanctions
o Environmental and Social Risk Management (ESRM)
o Anti-Bribery and Corruption (ABC)
o Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
o 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 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 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
Internal
Colleagues in RB and CDD teams, Product, Risk, Compliance and other support Functions and Businesses
External
Key clients
Other Responsibilities
Work effectively across SCB, using values behaviours to drive overall business growth
KNOWLEDGE AND SKILLS
University Graduate
Minimum 7-10 years of relevant experience in serving Government business
Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
Sound product knowledge on 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 retail banking
Firm in all business guidelines and compliance issues
Sound knowledge of financial markets and investment products
Outstanding communication and presentation skills
Our Ideal Candidate
University Graduate
Minimum [7-10] years of relevant experience in serving business/commercial/corporate clients.
Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
Sound product knowledge on 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 retail banking
Firm in all business guidelines and compliance issues
Sound knowledge of financial markets and investment products
Outstanding communication and presentation skills
Role Specific Technical Competencies
Good Network among state and central governments
Knowledge on PFMS
Ability to structure solutions to government schemes
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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, parental/maternity (20 weeks), sabbatical (12 weeks 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.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers
Primary Location : Asia-India-Mumbai
Schedule : Full-time
Employee Status : Permanent
Posting Date : 1+/Jun/2026, 4:16:54 AM
Unposting Date : 1+/Jul/2026, 5:5+:00 PM
JOB SUMMARY
To achieve agreed business financial and non-financial targets by acquiring, growing and retaining Government Business customers within acceptable risk parameters with a team of Government relationship managers.
Contribute toward achieving team’s overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with GBRMs, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
RESPONSIBILITIES
Strategy
To achieve agreed business financial and non-financial targets by acquiring, growing and retaining Government Business customers within acceptable risk parameters with a team of Government relationship managers.
Contribute toward achieving team’s overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with GBRMs, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
Business
Achieve business financial and non-financial targets while contributing towards team’s overall deliverables through:
o Building trusted client relationships in GB segment – primarily CA and SA (PFMS/Non PFMS account)
o Agency Business going forward (TAX, Non-Tax, PPF, Sukanya Samriddhi etc)
o Implement agreed business plan to achieve sales/ revenue targets
o Working on solutioning pertaining to GB clients in close association with Product team, various important integration (Central & State) like PFMS, SBMS, IFMS GEM etc that are required for Govt business
o Generate creative ideas on GB customer acquisition and products/ services
o Team management of GB RM’s and their productivity
o Important Central Mandates and to use them effectively for Centre and State Business
o Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct
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 regular and timely customer due diligence (CDD) reviews
Ensure CDD profiles are error free for timely sign off
Follow and comply with AML CDD policies and procedures where applicable
Identify KYC issues, provide solution or escalate to line manager if necessary
Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
Risk Management
Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
Do what is right in order to avoid reputational risks and operational losses
Governance
Ensure relevant systems and controls pertaining to the role remit 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 adherence with the following Regulatory Compliance policies and processes (as is applicable):
o Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
o Client Due Diligence & Related Periodic Reviews
o Client Suitability Standards
o Treating Customers Fairly
o Approval & review of Credit Applications
o Maintain Documentary standards
o Data Confidentiality
o Cross-Border Policy
o Sanctions
o Environmental and Social Risk Management (ESRM)
o Anti-Bribery and Corruption (ABC)
o Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
o 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 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 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
Internal
Colleagues in RB and CDD teams, Product, Risk, Compliance and other support Functions and Businesses
External
Key clients
Other Responsibilities
Work effectively across SCB, using values behaviours to drive overall business growth
KNOWLEDGE AND SKILLS
University Graduate
Minimum 7-10 years of relevant experience in serving Government business
Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
Sound product knowledge on 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 retail banking
Firm in all business guidelines and compliance issues
Sound knowledge of financial markets and investment products
Outstanding communication and presentation skills
Our Ideal Candidate
University Graduate
Minimum [7-10] years of relevant experience in serving business/commercial/corporate clients.
Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
Sound product knowledge on 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 retail banking
Firm in all business guidelines and compliance issues
Sound knowledge of financial markets and investment products
Outstanding communication and presentation skills
Role Specific Technical Competencies
Good Network among state and central governments
Knowledge on PFMS
Ability to structure solutions to government schemes
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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, parental/maternity (20 weeks), sabbatical (12 weeks 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.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers
💡 Quick Summary
Seeking a career-building opportunity? The Head Govt Banking| sales position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
