Associate Relationship Manager

Job Summary

The Associate Relationship Manager is responsible for managing and growing Priority Banking and Personal Banking client relationships by understanding client needs and providing appropriate banking, wealth, and lending solutions. The role focuses on driving profitable portfolio growth through new client acquisition, relationship deepening, cross-selling, and delivering an exceptional client experience.

The incumbent will also support service delivery by handling client requests, resolving queries, managing complaints, and supporting branch teams to achieve business objectives.

Key Responsibilities

Strategy – Relationship Management

• Drive the Affluent Banking strategy by achieving Net Sales Revenue (NSR) targets while maintaining productivity, efficiency, and risk standards.
• Build, manage, and deepen relationships with Priority and Personal Banking clients through proactive engagement and tailored financial solutions.
• Increase client share of wallet by promoting Wealth Management (WM), retail banking, lending, and deposit products.
• Provide regular portfolio reviews, financial guidance, and timely follow-up to support evolving client needs.
• Strengthen relationships with clients and, where appropriate, their family members, advisers, and other key influencers.
• Retain and grow high-value client portfolios while converting service recovery opportunities into long-term client loyalty.
• Resolve client queries effectively and deliver outstanding customer service.

Business

• Contribute to branch performance by achieving revenue and portfolio growth targets while meeting productivity and risk management requirements.

Processes

• Adhere to approved sales, onboarding, client service, complaint resolution, Customer Due Diligence (CDD), and operational processes to ensure consistent delivery and strong control standards.

People & Talent

• Demonstrate and promote the Group’s values, culture, and valued behaviours.
• Collaborate effectively with business, risk, and control partners.
• Complete all mandatory learning and compliance requirements.

Risk Management

• Operate within the Bank’s Operational Risk framework and ensure compliance with internal policies and external regulations.
• Maintain strong knowledge of banking products, retail operations, credit processes, audit requirements, and risk controls.
• Ensure adherence to Anti-Money Laundering (AML) requirements and Customer Due Diligence (CDD) standards.
• Drive effective complaint management and minimise operational losses.
• Escalate suspicious transactions in line with fraud and financial crime procedures.

Governance

• Maintain awareness of the regulatory environment and governance standards applicable to the role.
• Ensure client information is accessed, processed, and stored only with the required documented consent.
• Support effective governance by working openly and collaboratively with internal and external stakeholders, including regulators.

Regulatory & Business Conduct

• Uphold the highest standards of ethics, integrity, and professional conduct in line with the Group’s Values and Code of Conduct.
• Ensure compliance with all applicable laws, regulations, and internal policies.
• Support fair client outcomes, financial crime compliance, and responsible business practices.
• Proactively identify, escalate, and mitigate risk, conduct, and compliance concerns.

Key Stakeholders

• Head of Branches
• Branch Manager
• Head, Consumer, Private and Business Banking (CPBB) – Bahrain & Middle East (excluding United Arab Emirates (UAE))
• Head of Client Acquisition
• Head of Retail Products & Segments
• Country Legal & Compliance
• Human Resources (HR)
• Credit, Operations, Finance, and Business & Operational Risk teams

Other Responsibilities

• Embed the Group’s Here for Good brand promise and values across branch activities.
• Take personal responsibility for understanding and managing risk and compliance requirements.
• Promote a culture of integrity, accountability, and client-centricity across all interactions.

Skills and Experience

• Current Account and Savings Account (CASA) and Credit Card Products
• Personal Lending Products
• Wealth Management (WM) and Bancassurance (BANCA)
• Risk Management and Reputational Risk Awareness
• Governance, Oversight and Control (SIF)
• Banking Products, Processes and Market Knowledge
• Relationship Management and Client Portfolio Growth

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.