渣打银行
Senior Relationship Manager, Priority
Senior Relationship Manager, Priority
发布于 1 天前基层主管/组长
北京市
初级经验
全职员工
仅现场办公
本科
大客户销售
分析能力
反洗钱合规
客户关系管理
投资咨询
普通话
沟通能力
理财销售
英语
财富管理
AI 估算 · 15k–25k
外资银行高端客户经理，薪资具有竞争力，需金融销售经验，市场月薪约2万元。
职位详情
关于这个职位
这是渣打银行优先理财部门的资深客户关系经理岗位，负责维护高端客户关系，销售银行财富管理产品并提供投资咨询，需要完成业绩指标并遵守合规要求
工作地点在北京，适合有金融销售经验、沟通能力强、抗压能力好的求职者，可接触国际化平台并获得系统化培训
最低要求
Selection Criteria:
Full time Bachelor’s degree, or AMAC Fund Qualification Certificate Holder.
year or above working experience in financial industry, acting in good faith and professional ethics. Have a good command of knowledge about wealth management sales activities related regulations
Sound knowledge of financial products and services and banking procedures, equities markets, unit trusts and other personal investment services are preferred.
Good investment counseling and analytical skills.
Strong interpersonal and communication skills, ability to deal with all levels of people, often in complex and difficult situations.
Team player who shows initiative and assertiveness.
Self-motivator who is keen to upgrade, improve personal knowledge and skills to meet job requirements.
Good command of both spoken and written English and Mandarin
职位要求：
全日制大学本科学历，或持有基金从业资格证书
从事金融工作1年以上，具备良好的诚信记录及职业操守
熟悉理财业务活动及理财产品销售相关的法律法规
熟悉银行产品、服务、银行程序、股票市场、单位信托以及其它个人投资服务
具备良好的投资咨询和分析技巧
出色的人际关系能力和沟通能力，能在复杂场合应付自如
具有团队意识，主动坚定
有上进心，能自我激励，不断提高人际交流能力和技巧，以满足工作要求
工作职责
Key Responsibilities:
Understand, acknowledge and comply with the requirements onindividual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies;
Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities;
Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank;
Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections;
Cooperate with any investigations or reviews on regulatory failure such as accountability review.
Deliver allocated performance targets for various product VSs;
Maintain relationship with customers and deliver superior customer service to ensure customers’ needs are met;
Enhance bank-customer relationships by expanding existing customers’ portfolio holdings;
Actively participate in Priority Banking / other Bank’s marketing and promotional activities to acquire NTB customers, as well as cross-selling to existing customers;
Proactively engage with Personal Clients hidden affluent and advise to approach bank with complex investment needs;
Accountable for implementing and complying with AML requirements when performing duties;
Ensure compliance of Management Manual, Operating Manuals and Bank’s laid down knowledge of the various products offered by all departments;
Learn and understand all relevant regulations and internal Risk & Compliance policies and procedures;
Keep updated on the events in the financial industry;
Participate actively in training programs, meetings, briefings organized by the bank and ensure skills & knowledge acquired is applied to daily work;
Ensure timeliness & managing customer’s complaint;
主要工作职责/挑战：
理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求
跟上本地问责法律法规的发展，以有效地确保并强化内控
审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力
对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任
配合任何关于违反监管规定的调查或审查，例如，问责审查
实现领导安排的各个产品的业绩指标
维护与客户的关系并提供卓越的客户服务以确保满足客户需求
通过扩大现有客户的投资组合加强客户与我行的关系
积极参与优先理财/其它银行营销项目，以获取新客户
另外，向现有客户进行交叉销售
主动发现具有“优先理财”资质的个人理财客户, 并发掘其投资理财需求
负责实施各项反洗钱的需求并且确保符合反洗钱的合规要求
遵循银行的管理手册，操作手册和所有部门相关产品的既定政策
学习并了解一切相关条例以及内部风险与合规的政策与程序
保持对金融行业相关动向的敏感
积极参与银行组织的培训项目，会议和简报会，并保证将学习到的技能和知识运用到日常工作中
确保客户投诉的时效与管理
Strategy:
Responsibilities that are related to the development and implementation of a strategy, for example, Awareness and understanding of the Group’s business strategy and model appropriate to the role.
Business:
Responsibilities related to the delivery of business and / or financial objectives, for example, Awareness and understanding of the wider business, economic and market environment in which the Group operates
Processes:
Reference the processes for which the Role Holder is responsible, as per the Operational Risk Framework definition of first / second line, for example, Responsible for executing and supervising the Budget process.
People & Talent:
Reference all responsibilities related to people and talent matters, for example:
Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
Employ, engage and retain high quality people, with succession planning for critical roles.
Responsibility to review team structure/capacity plans.
Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
Risk Management:
Responsibilities relating to identifying, assessing, monitoring, controlling and mitigating risks to the Group, as well as an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them. For example -The ability to interpret the Group’s financial information, identify key issues based on this information and put in place appropriate controls and measures
All responsibilities under the Risk Management Framework – both execution and supervisory – should be referenced, for example, Act as the [Process] risk control owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for [Liquidity] risk.
Governance:
Responsibilities relating to the direction, planning, structure, frameworks (e.g. processes and policies) and oversight. For example, 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.
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.
Key stakeholders:
List all responsibilities associated with the management of stakeholders e.g. regulators, other bank teams
Other:
Other then above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time.
除上述工作职责外，员工应遵循直属经理随时指派的任何工作职责和任务
优先资格
Sound knowledge of financial products and services and banking procedures, equities markets, unit trusts and other personal investment services are preferred.
AI 洞察
优缺点分析
优点
- 外资银行品牌平台，职业履历含金量高
- 接触高端客户资源，积累财富管理和投资咨询经验
- 银行提供系统性培训，帮助提升金融专业知识和合规意识
- 薪资和福利在行业内具有竞争力，业绩优秀者收入可观
- 金融监管严格，需持续学习和适应合规变化
- 客户关系维护要求高，需投入大量时间和精力，可能影响工作生活平衡
- 适合具备金融销售经验、沟通能力强、抗压能力佳，并期望在外资银行长期发展的求职者
缺点 / 挑战
- 销售业绩指标压力大，需要持续拓展客户资源
角色解读
- 可向团队管理方向发展，例如优先理财团队主管或分行客户经理经理
- 可向私人银行或财富管理专家角色转型，服务超高净值客户
- 通过银行内部培训和发展计划，横向轮岗至其他业务部门
- 维护优先理财客户关系，了解客户资产状况和投资需求，提供个性化的理财配置建议
- 销售银行财富管理产品（如基金、保险、结构性产品等），完成个人业绩指标，并通过交叉销售挖掘存量客户潜力
- 识别和拓展新客户，参与银行营销活动，提升客户资产管理规模
- 严格执行反洗钱和合规要求，处理客户投诉并确保服务时效
- 熟悉银行理财产品、股票、基金等金融市场知识，具备投资分析和咨询能力
- 出色的沟通和人际交往能力，能够处理复杂客户场景
- 流利的中英文表达，满足外资银行工作需求
- 自我驱动和目标导向，能够在压力下完成销售业绩
申请策略
- 关注渣打银行的企业文化和价值观，在面试中体现专业与合规意识
- 准备1-2个完整的客户开发或关系维护案例，量化成果
- 突出过往金融行业的销售业绩，如管理资产规模、客户数增长等数据
- 强调投资咨询和理财产品的专业能力，包括持有的基金从业资格等证书
- 展示高端客户服务经验和处理复杂投诉的成功案例
- 体现英语沟通能力，如海外背景或专业英语认证
- 提前了解渣打银行的优先理财业务和产品线
- 学习反洗钱、客户适当性等合规知识，为面试做准备
面试指南
- 对于行为类问题，使用STAR法则（情境、任务、行动、结果），突出具体做法和量化成果
- 对于合规和风控问题，展示对监管的尊重和执行，强调在业绩与合规之间优先合规
- 对于客户沟通问题，体现同理心和专业度，说明解决问题的步骤和后续跟进
- 请分享一个你成功开发新客户的案例，你是如何做到的？
- 面对一位对投资保守的高净值客户，你会如何推荐理财产品？
- 如何处理客户投诉以维护银行声誉？
- 你对反洗钱（AML）要求有哪些理解？在销售中如何执行？
- 如何设定并达成个人销售目标？
职位点评
76
综合评分
外资银行高端客户经理，薪资优厚，职业发展空间大，但销售压力和生活方式平衡需考量。
从薪资福利、成长空间、工作节奏和岗位方向综合评估，方便横向比较。
更适合这类人
适合追求职业发展、享受销售挑战、希望在外资银行积累经验的求职者。
表现最好
成长发展
相对薄弱
工作生活
薪资福利80
成长发展85
工作生活60
使命价值70
薪资福利
80较高
该职位提供具有竞争力的薪酬和外资银行福利，薪资水平在行业内处于中上，但JD未披露具体薪资细节。
薪资信号未披露（AI估算：15K-25K/月）
成长发展
85较高
银行提供系统化培训和技能提升机会，有清晰的管理发展路径，但JD未明确晋升通道，职业成长高度依赖个人业绩。
技术前沿非技术岗（不适用）
成长机会training programs、skills & knowledge、培训项目、技能和知识
业务类型profit_center
工作生活
60中等
办公地点位于北京核心区域，但需现场办公，JD未提及弹性工作或加班情况，销售岗位可能面临工作与生活平衡挑战。
工作模式仅现场办公
办公地点市区核心地段
加班情况未提及（无法判断）
使命价值
70中等
金融行业稳定成熟，客户服务有一定社会价值，但整体意义感一般，主要聚焦商业目标。
行业发展稳定成熟行业
社会影响中性/一般
创新程度稳健跟随主流
渣打银行 的其他在招职位
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