渣打银行
Associate Director, Affluent Acquisition
Associate Director, Affluent Acquisition
发布于 3 天前中层管理(经理/总监)
全职员工仅现场办公商业银行
商业银行
Aml
交叉销售
信用评估
合规
商业银行
客户关系管理
客户开发
销售管理
零售银行
值不值得投
72综合评分
综合评分 72
国际银行中层销售管理岗，发展平台好，业绩压力大，薪资中上，合规要求高。
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。
薪资怎么样
35K
比商业银行中位数高
发布情况
新岗位 · 2 天前发布
公司情况
这家公司招聘很活跃
约 230 个在招 · 其中商业银行 7 个
市场机会
选择不多
上海 · 商业银行 · 9 个在招
职位详情
关于这个职位
该职位为渣打银行的富客业务副经理，主要负责推广指定的个人银行产品与服务，开发新的富裕客户群体
你需要通过各类渠道挖掘销售机会，完成销售指标，并主动进行交叉销售以实现年度财务目标
同时，你需要管理销售团队，确保合规运营，并为客户提供高质量的售前售后服务
最低要求
大专及以上学历
一年以上金融或房贷或房产行业工作经验优先
有相关银行行业销售经验者优先
了解银行产品、政策及经营策略
良好的信用评价与营销技能，对金融市场有敏锐触角
良好的个人诚信，无任何纪律处分纪录
良好的沟通，表达及学习能力
优良的个性品质，勇于销售及解决业务过程中的问题
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
Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the “CPBB Essentials”, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employees who have passed the probation, failing to pass the “CPBB Essentials”, will be taken as assessment basis for job incompetency.
以上的主要工作职责和岗位聘任要求是用于考核试用期是否符合录用条件和工作胜任与否的标准
倘若员工未能满足前述要求，或未能通过“CPBB Essentials 入职培训”的，则该员工将被视为不符合试用期的录用条件，银行有权立即终止员工的劳动合同
对于已过试用期的员工，未能通过“CPBB Essentials 入职培训”的，将作为不胜任工作工作岗位的考核依据
Before attend and pass the “CPBB Essentials” class, the employee should not perform any kind of business communication / engagement to customers.
对于还没有参与并通过“CPBB Essentials 入职培训”的员工, 禁止跟客户有任何业务上的交流
Please note that the job description above will be reviewed during the Job Objective setting every year, which may be amended and agreed where necessary by the employee and the line manager.
请注意以上本工作描述将于每年制定年度工作目标时予以审核，如有必要将由直属经理和员工予以修订并达成一致
工作职责
Participate in sales promotions and activities to achieve/exceed defined sales targets;
Engage NTB Affluent clients via leads sourced from varies channels;
A well thought-through, creative approach to satisfy customers, improve competitive advantage and improve performance;
Actively cross-sell the bank other products / services and ensure annual financial budget is met;
To provide quality, efficient before and after sales services;
To prepare and consolidate accurate reports on sales activities;
Based on a “shared sense” of purpose and approach within CB;
Based on a clear division of roles (and no duplication of effort) within MD;
Accountable for implementing and complying with AML requirements when performing duties;
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.
参与促销活动，完成或超额完成指定的销售目标
跟进销售机会，开发新客户
以周全、创新的方法使客户满意，提升竞争优势及业绩表现
主动销售银行其它产品和服务，确保达到年度销售业绩指标
提供高质量、高效的售前和售后服务
编写和维护有关销售活动的准确报告
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
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
Strategy: Awareness and understanding of the Group’s business strategy and model appropriate to the role.
Business: Awareness and understanding of the wider business, economic and market environment in which the Group operates.
People & Talent: 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: All responsibilities under the Risk Management Framework – both execution and supervisory. Act as the process risk control owner under the Group’s Risk Management Framework.
Governance: 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.
优先资格
Credit Appraisal and Marketing Skills
AI 洞察
优缺点分析
优点
- 背靠国际顶尖银行平台，拥有完善的培训体系、全球视野和高端客户资源
- 薪酬结构（含绩效奖金）具有市场竞争力，且能直接通过业绩体现个人价值
- 金融行业合规要求极高，工作需时刻保持谨慎，对个人及团队的风控意识要求严格
- 作为副经理，需平衡业务拓展、团队管理、跨部门协作和上级汇报，对综合协调能力要求高
缺点 / 挑战
- 职位级别为中层管理，既有业务挑战也能锻炼团队管理、战略规划和风控合规的综合能力
- 面临严格的销售目标和业绩压力，以及来自市场和竞争对手的双重挑战
- 适合拥有扎实金融或银行业销售经验、具备一定团队管理潜质、追求高绩效回报且能承受合规压力的资深销售人才
角色解读
- 深耕银行零售财富管理领域，向更高级别的区域销售总监或分支行长发展
- 凭借出色的业绩和管理能力，可转向私人银行、财富规划等更核心的客户业务条线
- 在集团内积累的跨市场经验，也为跳槽至其他金融机构的同类管理岗位奠定基础
- 领导并推动面向富裕客户群体的银行产品（如存款、理财、贷款等）销售，管理销售团队达成业绩目标
- 通过多种渠道主动开发新的高净值客户，并对现有客户进行交叉销售以提升客户价值
- 确保所有销售活动严格遵守反洗钱等合规要求，并参与团队人才发展与风险管理
- 精通银行产品知识、信用评估及金融营销策略，能解读财务信息
- 出色的客户关系建立与管理能力，具备敏锐的销售嗅觉和解决复杂业务问题的能力
- 优秀的团队领导、沟通协调及合规风控意识，能带领团队在监管框架下高效运作
申请策略
- 深入研究渣打银行的品牌价值观（如勇气、负责任）和在可持续金融等领域的最新动态，并在面试中体现认同
- 准备好具体案例，说明你如何在过去的岗位中平衡销售目标、客户利益和公司合规要求
- 突出过往在金融或银行领域的销售业绩数据（如完成率、新增客户资产规模）和管理经验
- 强调对银行产品（特别是针对富裕客户的产品）的理解、信用分析能力和合规意识
- 展示解决复杂客户问题、进行交叉销售的成功案例，以及领导或参与团队协作的经历
- 深化对高端零售银行产品（如结构化存款、跨境理财）和资产配置知识的理解
- 系统学习反洗钱、客户尽职调查等金融合规知识，以应对岗位的高要求
- 提升公开演讲、提案演示等高级沟通与影响力技能，以更好地进行客户开发和团队领导
面试指南
- 使用STAR法则（情境、任务、行动、结果）结构化描述具体案例，量化成果
- 结合JD中提到的合规要求，从客户识别、风险评估、流程执行等角度阐述你的理解和实践
- 从目标复盘、市场分析、团队动员、策略调整、寻求支持等多个维度提出系统性解决方案
- 先分析宏观与客户微观层面的变化，再提出针对性的产品组合、沟通方式或服务流程调整
- 请描述一个你成功开发高净值客户并实现交叉销售的具体案例，你采取了哪些关键步骤？
- 如何理解银行零售业务中的‘反洗钱’职责？请举例说明在过往工作中你如何确保合规
- 如果你的团队连续两个季度未完成销售目标，你会采取哪些措施进行分析和改进？
- 你如何看待当前经济环境下富裕客户的需求变化？你会如何调整销售策略来应对？
职位点评
薪资福利78
成长发展85
工作生活45
使命价值70
薪资福利
78中等
作为国际银行的中层管理岗，薪酬结构应具有市场竞争力，福利体系相对完善，能满足对物质回报和工作稳定性的需求。
薪资信号市场水准 (25K-45K/月)
成长发展
85较高
该职位提供管理团队、处理复杂客户关系和应对严格合规环境的机会，是培养高级金融销售与风控管理能力的优质平台。
技术前沿非技术岗（不适用）
成长机会ongoing training and development of people、succession planning for critical roles
业务类型profit_center
工作生活
45较低
职位未明确办公模式，但作为销售管理岗，通常需要现场办公以支持团队和客户活动。银行岗位的WLB可能因业绩压力而有所限制。
工作模式未明确
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
在渣打银行这样的国际机构工作，能够参与服务高端客户和社区发展，具有一定的品牌价值感和社会影响力。
行业发展稳定成熟行业
社会影响中性/一般
使命信号make a positive difference for our clients, communities, and each other
创新程度稳健跟随主流
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