Vice President Front Office Manager - GIFT City Branch

(A) Primary Responsibilities  (Key work activities essential to achieve the position objective)

Customer Service at GIFT-City IBU (Branch)

• New Customer Onboarding/ deboarding for Resident and offshore customers of SMBC.
• Support branch’s KPIs and Front-Office KPIs including IFSCA ESG Compliance and Gross profit contribution through timely and errorfree execution.
• Speed and quality of customer service

Transaction Execution & Customer Lifecycle Management

Ensure timely and error-free execution across the entire customer lifecycle: onboarding (registration, AML-KYC, sanctions screening), credit application preparation support, documentation liaison, disbursement, transaction management, covenant/collateral management, monitoring, renewals and account closure.

Quotes to Customers, instruction sheets, funding coordination with BCAPD, Treasury and OPIN for disbursement discipline.

Champion post-disbursement discipline – covenant compliance, portfolio monitoring, sale/purchase of assets, and remediation of exceptions.

• Preparation of alpha quote/ Instruction Sheet of new drawdown/ prepayment/ selldowns/ rollovers
• Review of Term sheet, facility documentation and provide feedback to RMs
• Share CP/CS, covenant compliance emails with internal team.
• Front Office role for KYC/ Fenergo/NR/Dashboard
  • Guide the team on KYC matters. Liaise with stakeholders to manage  KYC timelines.
• Review of various applications (credit/CoC/C&I/etc.) and sharing comments with RM team. Circulation of GBR appl as Checker.
• Present Front Office activities during GB meeting.
• New Products:
  • Participate in discussions with internal stakeholders.
  • Review product notes, provide feedback.
  • Periodic approvals post launch of new product.

Team Leadership & People Management

• Lead, coach and develop the Front-Office team; set performance objectives aligned to IBU and India Division goals; support career progression, mobility and succession.

• Build a diverse, inclusive and collaborative team culture consistent with SMBC values; break down silos across teams and cultures; provide constructive feedback and role-model the SMBC Competency Framework behaviors (Trust & Integrity, Customer First, Proactive & Innovative, Speed & Quality, Team SMBC Group).

• Plan resourcing in line with book growth and hiring plan for GIFT-City IBU.

Risk, Compliance, Governance & Conduct (First Line of Defense)

• Act as first-line owner for Front-Office risks; embed a strong risk-management and compliance culture in line with SMBC Group policies, IFSCA regulations, RBI guidelines, FEMA, SEZ requirements and cross-border obligations.

• Partner with Compliance, Risk, Legal and BCO framework to identify, assess, monitor and mitigate operational, credit, market, conduct and regulatory risks; ensure timely completion of audit and regulatory obligations and actively manages BCP.

• Reinforce SMBC’s ethical and governance principles; ensure Front-Office activities operate within the Bank’s risk appetite and align with the SMBC APAC BCO Framework.

Business Systems Design, Policy & Stakeholder Management

• Design and refresh procedures, processes and policies for Front-Office activities of; support automation and system migrations (e.g., Fenergo, FOX, TEXP/TEMS).

• Provide timely inputs for internal, HO and regulatory reporting; liaise with Credit, Legal, Operations, Compliance, FCIN, Risk and external counsels; represent Front Office in governance forums.

• Actively participate and contribute to Branch/ India-Division/ SMBC projects

(B) Secondary Responsibilities  (Duties that are marginal or infrequent)

• Provides front office progress to Governing Board and Management
• Any other duties assigned by the management from time to time.