Introduction to standard chartered and program

渣打银行是一家世界权威银行，主要业务集中于亚洲、次大陆、非洲、中东、拉丁美洲等新兴市场。

自1858年在上海开设第一家分支机构，渣打银行已经成为历史最悠久的外资银行。

1949年新中国成立以后，渣打被允许在上海继续开展业务(business)，并应新政府的要求完善中国的金融市场。

50年代，渣打的贷款主要集中于化工和钢铁行业(steel industry)。

80年代，随着中国的改革开放(reforming and opening up)，渣打率先在中国重建服务网络。

加上已有的上海分行，渣打在全国15个城市设立了分支机构，成为中国分支机构最多的外资银行。

渣打银行的主要业务包括零售银行服务，如按揭(mortgage)、投资服务、信用卡、个人贷款(personal loan)等；商业银行服务，如现金管理(cash management)、贸易贷款、投资和离岸管理等。

哪个银行都是要进行客户的开拓的，只是consumer banking相比Wholesale Banking 来说面对的客户众多且资产相对零散，所以服务要好才能吸引客户The company has operated for over 150 years in some of the world’s most dynamic markets, leading the way in Asia, Africa and the Middle East.Consumer Banking: Provide banking service to individuals. Banking institutions execute transactions directly with consumers, rather than corporations or other banks. Services offered include: savings and transactional accounts, mortgages, personal loans, credit cards, insurance, investment advisory services and. Consumer banking faces more clients and their assets are less concentrated.Private Banking: Personalized financial and banking services that are traditionally offered to a bank’s rich, high net worth individuals (HNWIs). For wealth management purposes, HNWIs have accrued far more wealth than the average person, and therefore have the means to access a larger variety of conventional and alternative investments. Private Banks aim to match such individuals with the most appropriate options. In addition to providing exclusive investment-related advice, private banking addresses a client’s entire financial situation: protecting and growing assets in the present, providing specialized financing solutions, planning retirement and passing wealth to future generations.SME Banking: for the unique business of each SME organization. The SME banking offers solutions to address their specific business needs: help to manage the cashflow easily and conveniently; provide services to expand business opportunities; risk management to protect business from unexpected; maximize potential returns by investment products;.Islamic Banking: provides comprehensive international banking services and Shariah compliant financial products based on Islamic values.Wholesale Banking: provide services to the likes of large corporate clients, mid-sized companies, investors, international trade finance businesses, institutional customers (such as government entities), and other banks or financial institutions. The services usually involve high value transactions.The job I am applying for: Consumer Bank Fast Track Programme in Standard CharteredConsumer Bank Fast Track Program:∙Develop into a world-class banker, perfecting your relationship management skills;∙Perform and shine in a key revenue generating role with one of our most valued business lines targeted at the high value client segments;∙Fly high. Your exceptional attitude and performance will hold you in good stead as you take your first step on an exciting career journey with us.Application Process:1.Online application: (personal details; academic background; workexperience)2.Online assessment:3.First Interview: telephone interview4.Final interview: (60 minutes) interview with members of the ConsumerBanking business and Talent Acquisition team-communication skill to answer more challenging question about yourself, your understanding of the Bank and your reason for choosing the Consumer Fast Track Programme.Qualities for success:∙Ambition: to become a successful banker and have a winning mindset, constantly driven to meet and exceed targets;∙Commitment to do the right thing for customers, develop and deepen customer relationship;∙See things from customers’ perspective;∙Independent and at the same time a great team player-the team’s success is also your success;∙Communicator.Rotations:1-Branch Operations:Gain an understanding of the collaboration between branch and operations, and focus on service, productivity and quality in this two month rotation.2-Credit Risk:During this two months, you will learn how we collate and use data in the decision making process.3-Product:Get involved in customer-centric product development and spend two months learning about our different products.During the final rotation, lasting 6 to 12 months, you will take on a customer facing role, becoming skilled at customer relationship management. You’ll seek to understand your customers’ needs, bringing to gether comprehensive and bespoke solutions to meet their requirements.。