Area Sales Manager- LAS

Job Summary

• Strategies on scaling up of products under the Division - Loan against Securities.
• Regular interaction with internal stakeholders – Wealth Managers, Branches, referrals, Finance, Risk & Compliance, Legal, Operations etc.
• Monitor client exposure, Single Borrowing & Group Borrowing Limits, loan to value, deviation, portfolio & concentration risk across scrip, sector, asset class etc, ensure strong asset quality with controlled delinquency and risk metrics.
• Implement automated systems and technology for credit monitoring & compliance
• Define process flow for new products & design training modules and design periodic training session to branches, referrals and internal stake holders.
• Interact & liase with industry peers and use market insights for enhancements of products & services
• Manage a team of Relationship managers and develop talent within the team.

Key Responsibilities

• Achieve LAS business disbursement and revenue targets for the assigned region.
• Drive customer acquisition and increase Assets Under Management (AUM).
• Ensure high-quality sourcing with strong portfolio health and low delinquency.
• Strengthen relationships with RMs, channel partners, and existing clients.
• Improve customer experience through timely processing and prompt issue resolution.

Skills And Experience Must-Have Skills

• Loan Against Securities (LAS) & Lending Expertise
• Portfolio & Revenue Growth Management
• Credit Risk & Regulatory Governance

Other Skills

• Customer & Relationship Management
• Strategic Planning & Business Development

Motivations

• Motivated by delivering high-quality operational outcomes while ensuring compliance with regulatory requirements and internal policies.
• Energised by identifying opportunities for process improvement, driving operational efficiency, and enhancing customer and stakeholder experiences.
• Thrives in a fast-paced, results-oriented environment that requires problem-solving, critical thinking, and effective decision-making.
• Driven by collaborating with cross-functional teams to achieve shared business objectives and deliver sustainable business outcomes.
• Demonstrates resilience and adaptability when managing complex operational challenges, changing priorities, and continuous business transformation.
• Motivated by developing people, fostering a culture of accountability and continuous improvement, and supporting team success through coaching and leadership.

Qualifications Key Experiences

• 10+ years of experience in Banking/NBFC/Wealth Management, with at least 5+ years in a leadership role managing LAS, secured lending, or wealth lending businesses.

Certifications / Qualifications (only Where Mandatory)

• A Commerce graduate/ MBA with minimum 3 years of experience of LAS industries

Languages

• English, Hindia

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.