# data[].attributes.body
Top 3 skills:

Ability to sense the change in trend, both business-wise and skill-wise, and be able to adapt

Teamwork capability, coordinate with different people from with different culture and background

Diversity & inclusiveness, we should embrace all culture and various opinions to move forward

# data[].attributes.body
1. Problem-solving skills: The ability to analyse issues, think critically and come up with effective solutions would enable us to overcome challenges.

2. Ability to work in a team: We can only go far and fast as a team.

3. Adaptability: The capacity to adapt in today's dynamic environment is critical to ensure that we continue to thrive no matter the circumstance.

# data[].attributes.body
Our team of diverse fresh graduates with diverse disciplines that are from different parts of the world. We can contribute to the bank's strategy by leveraging on our varied educational backgrounds, cultural experiences that can provide unique insights into a global market, customer behavior and innovative solutions.

Being at the early phases of our career also means that we can contribute by bringing a high level of energy and adaptability that can boost morale within existing teams which is crucial for navigating the rapidly changing financial landscape.

Our team of diverse grads can also significantly impact the bank's strategy through cultural understanding, cultural intelligence, diversity, and inclusion.

Cultural understanding and intelligence within the team allows for the recognition and appreciation of different cultural norms, values, and behaviors. This understanding enables effective teamwork, trust, and decision making in a multicultural environment, which is highly applicable to Standard Chartered.

Lastly Standard Chartered strategy aims to leverage technology and digitalization on its banking business. As the new generation, we are more technology savvy and aware of the latest technology trend. We are happy to help the bank to transform digitally and contribute in offering innovative banking solutions.

# data[].attributes.body
1. Digital and Technological Proficiency.

Enhances operational efficiency, enables better customer service, and ensures the bank stays competitive in a rapidly evolving digital landscape.

2. Strategic Thinking and Agility

Helps the bank navigate uncertainties, identify new opportunities, and implement strategies effectively.

3. Customer-Centric Approach

Ensures customer satisfaction and loyalty, and helps in tailoring services to meet evolving customer needs.

# data[].attributes.body
1. Digital and Technological Proficiency: With the rapid evolution of AI and digital banking, being adept at leveraging new technologies, understanding digital transformation, and implementing innovative solutions is crucial.

2. Agility and Adaptability:

In this VUCA world, being able to adapt to dynamic changes will be important for the bank to be able to seize opportunities as soon as they arise to be at the forefront of innovation.

3. Customer-Centric Mindset: As a bank who’s value proposition is to be here for good, it is imperative to prioritize customer needs to deliver exceptional service and developing products that resonate with clients.

# data[].attributes.body
1. Good Time Management

Breaking down a large project into smaller manageable parts help to allow people to stay focused and organised, enabling us to move further and faster

2. Communicating Effectively

Being clear and concise reduces misunderstandings, ensuring everyone is on the same page and this allows for all to finish the work faster

3. Problem-Solving Skills

Being able to identify problems fast and solve them with effective strategies will allow for optimal productivity and to move the project further to the next step

# data[].attributes.body
Top 3 Skills

1. Agility - Being able to adapt to our surrounding and navigating a fast paced environment

2. Analytical

3. Public speaking skills - One way to communicate effectively to a large crowd and in a public setting

# data[].attributes.body
Adaptability

Critical thinking

Leadership

# data[].attributes.body
To propel Standard Chartered further and faster, critical skills include digital transformation expertise to leverage technology advancements for enhanced customer experiences and operational efficiencies. Equally important are robust risk management and compliance capabilities to navigate regulatory complexities and maintain trust. Innovation and adaptability are vital for staying competitive, fostering a culture that embraces rapid innovation and agile responses to market changes. Collaboration and leadership skills are essential to unify teams towards strategic goals and drive execution excellence across the organization. These skills collectively empower Standard Chartered to excel in a dynamic and evolving financial landscape.

# data[].attributes.body
-Agile methodology: to foster speedy decision-making

-Digital transformation (e.g. open banking): to provide better customer experience

-Customer-oriented mindset: to drive more valuable products for our customers

# data[].attributes.body
Learning Agility:

The ability to quickly learn and apply new skills or knowledge in dynamic situations ensures continuous improvement and adaptability in the face of change.

Networking and Relationship Building:

Building strong professional networks can open up opportunities for collaboration, knowledge sharing, and support which can accelerate progress.

Digital Literacy:

Beyond basic technical skills, being proficient in leveraging digital tools and platforms for collaboration, automation, and data management can significantly enhance efficiency.

# data[].attributes.body
Innovation: Foster a culture of innovation that encourages creativity and development of new products, services and processes that can drive growth and efficiency.

Client Centricity: Understanding and meeting customers needs that transcends organizational boundaries and deliver a holistic view deeper understanding of the client.

Collaboration & Communication: Effective communication and collaboration across all levels and departments of the organization ensures alignment and efficient of strategies.

# data[].attributes.body
1. Digital transformation and technology adoption: leverage new technologies to improve productivity and create more customized solutions to client

2. Sustainable and ethical banking initiatives: be responsible market player e.g. promoting sustainability

3. Agility and adaptability: being able to adapt to the fast-changing environment and react to challenges

# data[].attributes.body
1) Innovation - To adapt to the changing environment and rapidly changing external and internal factors

2) Communication - To clearly and concisely communicate ideas that enhances each other's capabilities

3) Agility - To stay in a state where we as a bank can quickly pivot between different strategies

# data[].attributes.body
Analytical Thinking: The ability to analyze data, identify trends, and make data-driven decisions is crucial. This skill helps in understanding market dynamics, customer behaviors, and financial performance.

Adaptability: Given the rapidly changing landscape of regulations, technology, and customer expectations, being adaptable is essential. This includes embracing new technologies, adjusting strategies swiftly, and responding effectively to market shifts.

Communication: Strong communication skills are vital for effectively conveying complex financial information, negotiating deals, and building relationships with clients and stakeholders. This includes both written and verbal communication, as well as the ability to tailor messages to different audiences.

# data[].attributes.body
1. Creativity - the ability to tackle tough problems in an innovative way

2. Resilience - the mental toughness to overcome difficulties

3. Empathy - the ability to understand and address client’s needs

# data[].attributes.body
1. Digital Transformation skill - As banking industry evolves, integrating advanced technologies like AI, blockchain, and cloud computing is crucial. These technologies enable us to improve operational efficiency.

2. Data analytics skill - We handle vast amounts of sensitive data. Proficiency in data analytics helps in better decision making, personalized customer service, and risk management.

3. Customer experience and relationship management skill - These skills allow us to build stronger and personalized relationships, increasing customer satisfaction and loyalty in the market.

# data[].attributes.body
Adaptability: The ability to quickly adjust to new situations, technologies, or roles is crucial in fast-paced environments. Being adaptable allows individuals and teams to stay agile and responsive to changing demands.

Collaboration: Effective collaboration involves not only working well with others but also leveraging diverse strengths and perspectives. Strong collaborative skills enable teams to achieve more together and foster innovation.

Critical Thinking: This skill involves analyzing information objectively, evaluating situations, and making informed decisions. Critical thinkers are adept at problem-solving and can navigate complex challenges with clarity and logic.

# data[].attributes.body
Tapping to the diverse strengths of various cultures and backgrounds as a global bank.

Ability to digitally transform and traverse through the everchanging AI landscape.

Never losing sight of having a customer-centric approach

# data[].attributes.body
1. Business agility: Being extra aware on the latest market trend in order to explore new business opportunities in the industry.

2. Communication: Build global connectivity with colleagues from various cultural and educational background.

3. Creativity: Applying creative solutions to the challenges that we may face in our role.

# data[].attributes.body
1. Risk management

2. Customer relationship manager

3. Digital proficiency

# data[].attributes.body
Adaptability: Resilient to changes and quick to adopt new methods and processes.

Excellence: To be detail-oriented and consistently put in best efforts.

Client-Centric: Focus on solutioning and understanding what the client needs.

# data[].attributes.body
1. Digital Proficiency: Integration of digital banking and fintech is essential for modern technologies. Skills like programming, data anlytics and the use of other digital tools would be necessary.

2. ESG Expertise: ESG and sustainability are key trends in the current world. Hence skills involving the evaluation of ESG criteria would be critical for ensuring compliance with regulatory standards.

3. Agile Project Management: As the current world requires the fast implementation of technology and consumer trends, having agility would be necessary.

# data[].attributes.body
1. Adaptibility. The bank operates in a highly dynamic environment, and we would need to adapt to shifting circumstances in order to keep up with regulation and consumer trends.

2. Teamwork. The bank is a large organisation with many staff of different backgrounds. We would need to be able to work together effectively despite our differences, while striving towards a common goal.

3. Resilience. The road to success is not easy, and we would sometimes need to keep at it for an extended period. Also, failure would occasionally happen, and we would need to be able to pick ourselves up and try again.

# data[].attributes.body
1. Resilience - to be able to persevere through different challenges and discomfort both in work and in life

2. Communication - to be able to converse effectively with various people from different countries

3. Adaptability - adapt to new technology and new trends

# data[].attributes.body
Relationship Building: Building strong relationships both internally and externally with clients, colleagues and stakeholders is crucial for our personal growth, networking, business development and providing exceptional customer service.

Decision-making: We in the banking industry often encounter complex problems and need to make timely decision. Developing strong decision-making skills helps us analyze situations, identify key issues and generate creative solutions efficiently, contributing to our professional growth in the bank.

Teamwork: Effective teamwork skills enable us to collaborate with colleagues, coordinate projects and achieve common goals more effectively. Developing emotional intelligence, adaptability and the ability to work well in diverse teams are vital for success in leadership roles and our professional growth.

# data[].attributes.headline
D1C1   1) Diversity of Worldviews and Outlooks 

# data[].attributes.subject
D1C1   1) Diversity of Worldviews and Outlooks 

# data[].attributes.body
We all come from various majors, countries, cultures and backgrounds, which have crafted our worldviews and outlooks, which can help to create diverse perspectives to approach the question of how to create value for Stanchart's business, customer and communities.

# data[].attributes.body
1. Driven and appropriate goal setting to allow us to move with purpose towards apt goals

2. Data automation of everyday tasks to quicken our journey

3. Continuous learning to learn how to adapt and keep up with the world around us

# data[].attributes.body
Embracing a growth mindset: necessary to stay relevant in a world where businesses are continually evolving

Prioritising sustainability: identifying long-term opportunities that come with increased efficiency

Resilience: ability to tide over difficult quarters and redirect ourselves

# data[].attributes.body
Adaptability: With the market constantly changing, it is important for us to adapt and be nimble with our methods, as well as way of thinking, to best capture potential opportunities.

Problem-solving: There are many new, emerging challenges that we will have to face. In each situation, we must be resilient and tap on the diverse strengths of our team mates to move forward.

Asking questions: We need to be open to questions and also be willing to ask questions to further our own knowledge. In an interconnected global economy, it is crucial to gain multiple perspectives to do well in our work. While reading is one way of acquiring knowledge, another productive way of learning is through asking questions in our conversations.

# data[].attributes.body
1. Technological skills - technology would allow us to be most efficient in our processes

2. Communication skills - would allow us to more effectively exchange information, facilitating collaboration

3. Decision making skills - allow us to make the correct decisions for the bank

# data[].attributes.body
1 Digital transformation and Technology adaptation: Leveraging cutting edge technology as AI, blockchain and data analytics. These new technology can help build faster streamline operations and decisions making.

2 Cross cultural communication:

As a international bank, learning different people with different background across various regions, effective cross cultural communication and management skills are essential.

3 Innovation:

Developing and offering innovative financial products and services that cater to changing customers needs and preferences. Help keeping the company with continuous cash flows.

# data[].attributes.headline
D1C1  2) Deepen Our Understanding of Markets 

# data[].attributes.subject
D1C1  2) Deepen Our Understanding of Markets 

# data[].attributes.body
As we come from different geographies, we bring to the table deep insights into how the market operates in that region and invaluable knowledge on the people and culture of that region. That helps us to be able to tailor made the services we provide to clients, for that geography.

# data[].attributes.body
1. Communication Skills: Effective verbal and written communication, especially for client interactions and teamwork.

2. Problem solving: Strong analytical skills and critical thinking to address financial related challenges

3. Regulatory awareness: Get familiar with local and company wise compliance requirements

# data[].attributes.body
1. Willingness to learn

Demonstrate growth mindset by actively learning technical knowledge and new technology relevant to the evolving banking industry

2. Creativity

Offer and apply innovative solutions to challenges faced by the Bank

3. Open-mindedness

Welcome changes and value them as opportunities for growth and improvement

Embrace cultural differences and respect diverse opinions from different stakeholders

# data[].attributes.body
Being Agile: Enhances flexibility and responsiveness, enabling faster adaptation to market changes and more efficient project management through iterative development and continuous improvement

Customer-Centric Mindset: Ensures that the needs and preferences of customers are at the forefront of decision-making, leading to enhanced customer satisfaction and loyalty

Innovative and Empowering Culture: Fosters an open environment where employees are encouraged to challenge the status quo, contribute ideas, and drive change without bureaucratic barriers.

# data[].attributes.body
1. Adaptability - Ability to adjust to various situations, grow alongside change, learn from mistakes and remain positive in the midst of challenges

2. Resilience/Perseverance - Never giving up when facing challenges, always striving to do better and working harder

3. Teamwork focused - Able to work well with teams locally and globally in order to drive efficiency and reach greater heights

# data[].attributes.body
1. Adaptability - the ability to adapt to new situations, learn quickly and bounce back from setbacks is crucial to handle challenges and thrive in the dynamic environment in SC

2. Problem-solving - think critically, analyse complex situations and develop innovative solutions

3. Communication skills - Having strong interpersonal skills, effective communication and the ability to collaborate with diverse teams are essential for success in a global organization like SC

# data[].attributes.headline
D1C1: Adopting AI for personalized complaint responses  

# data[].attributes.subject
D1C1: Adopting AI for personalized complaint responses  

# data[].attributes.body
Issue: Uptick of unhappy SCB clients due to slow reply by call centers.

Solution: Implement AI technology to provide personalized and prompt responses to client complaints.

# data[].attributes.body
1. Agility - with a rapidly changing and digitizing demographic of customers, clients, and environments we operate in, being able to adapt quickly to new norms will be critical.

2. Communication - with international clients and complex problems there is a need to communicate clearly and effectively both internally and externally

3. Resilience - in an increasingly tumultuous world the ability to deal with shocks, and remain together will set the bank apart

# data[].attributes.body
Top 3 skills that would be critical to enable us to move further and faster:

1. Innovation to improve operational efficiency, enhance customer experiences, and explore new revenue streams

2. ﻿﻿﻿Market Adaptability to identify and manage risks as well as identify new opportunities to remain resilient

3. ﻿﻿﻿Client-centrism to build client relationships and loyalty for higher satisfaction and potentially lifetime value

# data[].attributes.body
1) Building Relationships with Integrity

In order to move further, we need the trust of our community and people, to keep integrity at the heart of our work is important to building the foundation of this trust.

2) Having an Innovative Mindset

In order to move faster, I think spirit of innovation is important. Meaning that we need to have both the courage to take a step beyond what is already known to explore new ideas and new tools and tap on our creativity to find new ways of doing things.

3) Approaching challenges with Resilience

As challenges crop up, what would enable us to move faster would be to push through with grit, looking to solve problems step-by-step

# data[].attributes.body
1. Communication Skills - It is interesting to see that people come different backgrounds and have a completely unique set of skills. However, to put this uniqueness to practical use, the ability to communicate to a wider audience is a necessary skill to move further and faster. Communication brings people together and united them to push for a common goal.

2. Adaptability - The past decade has seen lots of innovations and discoveries such as AI, machine learning, and data science being applied to multiple industries for precision and accuracy. Not keeping up with these trends can be seen as detrimental for the organization given that there is a huge competition out there. Thus, to continue to innovate, expand, and grow, an open mind is needed to adapt with the trends that are happening in the industry.

3. Leadership - It does not take one person to build a successful organization, it takes a team where each member performs their tasks well to sustain the institution. Thus, great leadership will helps the team in aiming for greater heights.

# data[].attributes.body
Top 3 skills:

1) Analytical Skills

It is important for us to be able to analyse complex data and identify trends in the markets so that we can create products and solutions that can meet our customers' need.

2) Communication Skills

Since we will always be working as a team, it is crucial that we know how to communicate and collaborate well with others.

3) Team Player

As a global organisation, it is critical that we possess the interpersonal skills needed to work with others as a team towards the success of the bank.

# data[].attributes.body
1. Proactiveness

Needed to identify new client needs & identify new business opportunities

2. Inquisitivity

Ability and want to ask insightful questions. A questioning mind that digs deeper into understanding the client's business model and financials.

Needed to stay current with industry trends

3. Resilience

Not all client interactions will be smooth. Resilience needed to navigate difficult conversations as well as changing regulations.

# data[].attributes.body
1. Cross-Cultural communication and collaboration

In an international corporate, team members need to efficiently and effectively communicate across culture to ensure smooth cooperation. In addition, ESG is a global issue involving multiple regions.

2. Data analysis skill

Decisions related to market and ESG involves a large amount of data and, thus, strong data analysis skill can help the team to better interpret the data.

3. Innovative thinking

Team task is always full of challenges. Thinking outside of the traditional framework may help the team to solve the problem in a more effective way.

# data[].attributes.body
1. Innovation mindset

Willing to challenge the current situation and problems and explore new ideas

Be active in giving suggestions and providing innovative products and services

2. Networking and building relationships

Experienced professionals could offer guidance and career development support

A strong professional network can lead to collaborative opportunities

3. Customer-centric

Focus on customers’ needs and expectations

Ask for feedbacks and provide solutions

# data[].attributes.body
1. ﻿﻿﻿Diverse perspectives: We can bring unique viewpoints with our variety of backgrounds (cultural, geographical, profession, work experiences, etc). Collaboration through challenges like this also helps us as graduates connect and potentially contribute to the "Network business" strategy of the bank in the future as we collaborate on our work. The diversity might help us formulate innovative solutions to problems that we encounter.

2. ﻿﻿﻿Data/ digital-savvyness: As Gen Z, we are continuously being immersed in digital environment and are bombarded with the latest technology and trends. This could help us contribute the viewpoints of the newer generation to help the bank keep up with their banking needs and demands.

3. ﻿﻿﻿The Great Wealth transfer leads to changing investment preferences. Younger generations have different investment priorities as compared to their parents. Hence, as a team, we would be in a better position to comprehend the investment outlooks of the current generation which could facilitate the Bank’s strategies

# data[].attributes.body
1. Antifragility - the ability to thrive, bounce forward, and succeed despite challenges, failures, and uncertainties

2. Innovation - enabling breakthroughs that are disruptive to usual processes with a strategic priority on transition finance and sustainability

3. Reflective - looking things at a larger picture, before jumping into critical decisions

# data[].attributes.body
Vision - set a clear objective for the bank and everyone will work towards the common goal

Resilience - stay resilient under uncertainties in the market, adapting to new technologies and governance directions

Learning - commit to continuous learning of the latest market trends and challenges

# data[].attributes.body
1, Digital Transformation and Technological Competence

2, Customer-centric Thinking and Service Excellence

3, Adaptive Mindset and Agile Execution

# data[].attributes.body
1. ﻿﻿﻿Strategic Vision: Developing a strong strategic vision is essential for SCB. This skill involves setting clear goals, defining a roadmap for success, and aligning all efforts towards a common purpose. By having a well-defined strategic vision, the bank can make informed decisions, prioritize initiatives effectively, and stay focused on long-term growth.

2. Customer Centricity: Placing customers at the center of all operations is a key skill for SCB. This involves understanding customer needs, preferences, and providing exceptional experiences. Employees should focus on empathizing with customers, delivering personalized solutions, and continually enhancing products and services based on customer feedback. By being customer-centric, the bank can build lasting relationships, foster customer loyalty, and gain a competitive edge.

3. Adaptability and Agility: The ability to adapt to change and respond swiftly is crucial in the banking industry. StanChart requires employees who are adaptable, open to learning, and willing to embrace new technologies and processes. Adopting agile methodologies and fostering a culture of innovation allows the bank to quickly adapt to market dynamics, customer demands, and regulatory changes. This skill enables faster decision-making and implementation, ensuring the bank stays ahead.

# data[].attributes.body
1.Ability to predict trends: By analyzing historical data and trends, the bank can better forecast future market trends and translate it to better allocation of resources across different markets.

2.Adaptability: As technology advances and business landscape changes, financial institutions must be able to adapt to new tools and ways of working to stay ahead and efficient.

3. Customer Oriented: Accurately identify the needs of clients across markets and customize solutions and experiences to meet client's expectations. Quality service delivery to stand out amongst other providers.

# data[].attributes.body
Top 3 skills:

1. Communication and collaboration: Communication skills, both verbal and written, are vital in banking. Being able to explain financial concepts clearly to client and build strong relationships internally and externally are key to achieving collective goals and driving the bank forward.

2. Digital literacy: In today's environment, proficiency with digital tools (especially being able to integrate AI into our daily BAUs) will ensure that we stay competitive and productive. We should be nimble and leverage technology wherever possible to enhance efficiency and customer service.

3. Financial acumen: Understanding financial principles, banking operations and the banking business is crucial to provide holistic solutions to our clients, no matter our function. This skill enables us to make informed decisions, take calculated risks and contribute to the bank's growth.

# data[].attributes.body
1 Digital Literacy and Technology Proficiency: With the rapid advancement in Fintech, skills in digital banking platforms, blockchain, cybersecurity, artificial intelligence, and data analytics are essential for driving innovation and improving operational efficiency.

2 CRM: Effective CRM skills are vital for understanding and responding to customer needs, enhancing customer experiences, and building long-term loyalty. This includes proficiency in using CRM software, data analysis for personalized services, and strong communication skills.

3 Regulatory and Compliance Expertise: Navigating the complex regulatory landscape quickly and proficiently requires in-depth knowledge of financial regulations, risk management, and compliance procedures. This skill ensures that banks can operate within legal frameworks while minimizing risks and maintaining trust with stakeholders.

# data[].attributes.body
Adaptability

Resilience

Innovation

# data[].attributes.body
1. Collaboration

Working in a people-oriented business, effective collaboration and communication create a positive work environment that promotes teamwork, recognition, and a sense of belonging

2. Curiosity Mindset

Foster a culture of continuous learning, exploration and questioning encourage employees to experiment and try new approaches

3. Resilience

Able to quickly adapt to changing circumstances and the fast pace of the the banking industry, helping to capitalise on new opportunities as they arise

# data[].attributes.body
1.Adaptability: with AI taking over the world, our bank should not only focus on the integration of new technologies, but also adapt ourselves to react to the fast changing regulations and economy.

2.Retaining clients: becoming a customer centric bank and personalize our service will becoming increasingly crucial as most general services will easily be tackled by technology.

3. Network expansion: building a huge network will help us gain more insights in multiple industries and form a well-rounded strategy and vision to move forward, react to changes in local economy, and resolve global crisis.

# data[].attributes.body
1. Teamwork - in the world of globalisation, being able to work effectively in a team is paramount due to the interconnectedness of our working world

2. Adaptability - with rapid changes every single day, being quick to predict and respond keeps us ever-ready

3. Integrity - the complex nature of work brings about unprecedented challenges and opportunities to do both good and evil, having the moral high ground and ethics is crucial to do business for the long run

# data[].attributes.body
1. Critical Thinking: Essential for analyzing situations, making informed decisions, and solving complex problems effectively.

2. Tech Proficiency: Important for leveraging technology to streamline processes, enhance productivity, and drive innovation.

3. Collaborative Skills: Crucial for working seamlessly as a team, maximizing collective strengths, and ensuring effective communication and cooperation.

# data[].attributes.body
1. problem solving skills: to break down issues into manageable pieces and come up with solutions

2. Agility: to adapt to new challenges arising from fast- changing environments

3. Communication skills: to effectively exchange ideas in a team work setting

# data[].attributes.body
Three important skills as per me would be

1. Adaptation to Technology: Enable innovation, enhance efficiency, and deliver seamless customer experiences through digital channels.

2. Client-Focused Products: Allow banks to understand and meet evolving customer needs, driving loyalty, retention, and business growth.

3. Open Mind Work Atmosphere: Foster a culture of innovation, collaboration, and creativity, attracting and retaining top talent and driving business success.

These skills help banks stay ahead in a competitive market, build strong customer relationships, and navigate the rapidly changing financial landscape.

# data[].attributes.body
1. Problem-solving and analytical abilities are at the forefront of the important skills required. The capacity to analyze complex issues, identify solutions, and make informed decisions is highly valuable. This skill helps in streamlining processes and achieving strategic objectives.

2. Moreover, a person also needs to have adaptability and learning agility. Being adaptable to new situations and quick to learn new skills keeps you relevant and responsive to changes within the organization.

3. Finally, the way an individual communicates dictates their path in an organization. Being able to communicate clearly and effectively is vital for teamwork, presenting ideas, and interacting with stakeholders. This includes both verbal and written communication.

# data[].attributes.body
Question-2

1. Financial Acumen: Understanding complex financial products and markets to make informed decisions and drive strategic initiatives.

2. Customer-Centric Approach: Prioritizing customer needs and delivering exceptional service experiences to build strong relationships and loyalty, thereby driving growth and retention.

3. Adaptability and Innovation: Being agile in response to market changes and innovative in developing new solutions that meet evolving customer needs.

# data[].attributes.body
Kira Chen Yu Ju D1 C2

The top three skills essential for advancing the bank are adaptability, innovation, and collaboration. Firstly, adaptability is crucial due to how swift the market changes. As a bank, we must swiftly respond to emerging trends and changes in order to stay relevant and competitive. Second, innovation is key. We have to continuously develop new ideas and solutions to ensure we remain at the forefront of the industry. Lastly, it is important to ensure collaborative skills. Banking involves intricate financial products, regulatory requirements, and risk management. Collaboration among teams such as compliance, risk, IT, and customer service ensures that complex problems are addressed comprehensively and efficiently.

# data[].attributes.body
1. Cross-functional collaboration: This involves the ability to work effectively across different teams, regions, and business units to drive cohesive strategies, streamline processes, and deliver integrated solutions to clients.

2. Risk Management, Ethics and Compliance: As a Bank with many stakeholders, robust risk management, ethical practices and compliance skills are paramount. This includes expertise in regulatory requirements, risk assessment frameworks, and proactive management of financial, operational, and compliance risks to ensure stability and integrity.

3. Digital Transformation Expertise: This includes knowledge of fintech innovations, digital platforms, and leveraging technology to enhance customer experience, operational efficiency, and regulatory compliance.

# data[].attributes.body
D1C2 KIRA CHEN YU JU

The top three skills essential for advancing the bank are adaptability, innovation, and collaboration. Firstly, adaptability is crucial due to how swift the market changes. As a bank, we must swiftly respond to emerging trends and changes in order to stay relevant and competitive. Second, innovation is key. We have to continuously develop new ideas and solutions to ensure we remain at the forefront of the industry. Lastly, it is important to ensure collaborative skills. Banking involves intricate financial products, regulatory requirements, and risk management. Collaboration among teams such as compliance, risk, IT, and customer service ensures that complex problems are addressed comprehensively and efficiently.

# data[].attributes.body
1. Advanced Data Analytics and Machine Learning: Leveraging advanced data analytics and machine learning can help the bank derive deeper insights, predict customer behavior, and enhance decision-making processes. This would enable more personalized services and improved risk management.

2. Blockchain Expertise: Implementing blockchain technology could revolutionize the bank’s operations by enhancing security, transparency, and efficiency in transactions and record-keeping. This would facilitate faster cross-border payments and reduce fraud.

3. Behavioral Finance Understanding: Integrating principles of behavioral finance can provide insights into customer decision-making processes, enabling the bank to design better financial products and services that align with customers' psychological and emotional needs. This could lead to increased customer satisfaction and loyalty.

# data[].attributes.body
Teamwork - Effective cross collaboration allows us to share and gain institutional knowledge from different parts of the bank to distill new solutions and achieve operational efficiencies to deliver higher RoTE

Adaptability - A VUCA world requires that the bank be nimble in addressing the new and fast developing challenges around the world by structuring and re-structuring our offerings and platforms to tailor to the fast changing needs of a VUCA world

Empathy - Driving changes with empathy allows the bank to continue focusing on being here for good and maintain our good standing with governments and societies around the world which makes our business possible.

# data[].attributes.body
Teamwork - Effective cross collaboration allows us to share and gain institutional knowledge from different parts of the bank to distil new solutions and derive operational efficiencies for higher RoTE

Adaptability - A VUCA world requires that the bank be nimble in addressing the new and fast developing challenges around the world by structuring and re-structuring offerings and platforms to tailor to the fast-changing need of a VUCA world.

Empathy - Business and development done with empathy allows the bank to continue being here for good and maintain the bank’s good standing with governments and societies around the world.

# data[].attributes.body
1) Creativity - Delivering products that ensure more creative solutions to the customers and clients across different countries is imperative. Creativity and ease of bridging the gaps between the client needs are things that can allow a better competitive edge to the bank as compared to the peers.

2) Adaptability - The changing dimensions and incoming technology are things that the bank has to constantly adapt to. Faster and better adaptability and change management is something that allows an individual, firm or institution to move ahead in the the market.

3) Market Interpretation - it is important to find where the future client inclination lies and find opportunities and solutions in accordance with their needs. To differentiate and advance compared to the bank's competitors, it is important to interpret client motivations and movements in the market.

# data[].attributes.body
1. Adaptability and Flexibility: The ability to quickly adapt to changing circumstances, embrace new technologies, and respond to market shifts is crucial in a fast-paced financial environment.

2. Collaboration and Teamwork: Effective collaboration across departments and with external partners can drive innovation, improve problem-solving, and enhance overall efficiency.

3. Communication and Interpersonal Skills: Strong communication skills are essential for clear articulation of ideas, effective stakeholder engagement, and fostering a culture of openness and trust within the organization.

# data[].attributes.body
To streamline operations and increase efficiency in an international banking context, especially considering the rapid pace of technological advancement and ever-changing global regulatory environments, I believe that 3 skills listed below may significantly contribute to tangible benefits in terms of faster service delivery and improved risk management:

1. Regulatory knowledge and compliance management: International banking involves navigating complex regulatory frameworks across various regions and global standards. Keeping abreast of prudential regulations and ensuring compliance is essential to avoid delays or fines for violations of laws and regulations. A deep understanding of Sanctions, Anti-Money Laundering (AML), Know Your Customer (KYC) requirements, and cross-border payment regulations allows banks to implement efficient systems that comply with all necessary standards while minimizing processing budget.

2. Digital literacy and technological adaptation: In the disrupting landscape of digitalization, understanding and leveraging technologies such as blockchain, artificial intelligence (AI), and machine learning (ML) for automating processes, enhancing security, and improving customer experience. For instance, AI and ML can help in predictive analytics, risk assessment, and fraud detection, thus speeding up decision-making processes.

3. Effective communication and collaboration: Misunderstandings or delays in communication can lead to operational inefficiencies. Developing strong interpersonal skills, being sensitive to cultural nuances, and having the agile mind to work collaboratively with teams from around the world can greatly enhance the speed and success of international banking transactions. Additionally, proficiency in multiple languages can be a significant advantage.

# data[].attributes.body
1. Analytical Skills

Understanding Markets and Customers

- Market Research: Use tools like SWOT and PESTLE analysis to identify trends and opportunities.

- Customer Insights: Analyze data to understand customer needs and behaviors.

- Predictive Analytics: Forecast market changes and customer demands.

2. Disciplined Implementation

Effective Plan Execution

- Clear Communication: Ensure all employees and stakeholders understand the strategy.

- Training and Support: Provide necessary training and resources.

- Monitoring and Feedback: Regularly track progress and adjust as needed.

3. Adaptability

Aligning with Market Dynamics

- Agility: Quickly adjust strategies in response to market changes.

- Innovation: Embrace new technologies and business models.

- Local Customization: Tailor products and services to local needs and regulations.

# data[].attributes.body
Our group has representatives from Hong Kong, India, Pakistan, Singapore, South Africa, UK, United States which shows the diversity of markets that we represent and work in. Each of us is also in a different business function such as WRB, SCMAC, CIB, ventures and support functions which means that we have a unique diversity and we are able to share our diverse knowledge and experience with each other. Driving the sharing of thought leadership and knowledge sharing through unique diversity helps us build a collaborative culture where we tap on each other’s skill base and expertise to drive success, profitability, sales and also drive the transfer and cross collaboration internationally. Through collaboration and subject matter expertise, the team can leverage its skills and diversity to ensure that the bank is able to achieve its strategic objective of driving commerce and delivering sustained prosperity.

The bank has four strategic pillars: network business, affluent client business, mass retail business and sustainability.

Using CIB as an example, a Global Account Manager who is stationed in the UK can assist one of its clients to expand into South Africa by leveraging the expertise of a Field Account Manager to help set up the client’s banking requirements from a South African perspective. Further to this, the client can further expand into rest of Africa, where it will also be able to receive bespoke financial services support from our banking colleagues in the region. This example is only possible through the bank’s unique network, which is one of the key strategic pillars.

Using Ventures as another example, they drive innovation, invest in disruptive financial technology and explore alternative business models. Therefore, Ventures can help to identify innovative solutions that solve problem statements or challenges that other business areas such as CIB face. For example, CIB has engaged with SC Ventures for idea generation for various business challeges using SC Ventures’ fintech bridge platform/spark innovation. The platform allows employees to share innovative ideas and collaborate with their colleagues to develop ideas. The platform helps to spur innovation in various teams, encouraging employees to share their unique ideas, driving innovation for their teams and the bank such as identifying new business models, cost-cutting processes and ways to drive productivity and revenue to drive results for clients and the bank, guided by Ventures’ intrapreneruship team as well.

# data[].attributes.body
1. Digital Transformation: Key for adopting AI, ML, big data, and cloud to improve operations and customer service.

2. Innovation: Fostering a creative mindset to innovate and adapt to market changes.

3. Cybersecurity: Essential for safeguarding data and earning customer trust amidst growing digital threats.

# data[].attributes.body
Digital Innovation- this skill will help SCB improve customer services and streamline operations to enhance efficiency.

Communication Skills- Helps employees and customers have all the required information to make decisions.

Teamwork-Helps improve efficiency as well as ensuring alignment of decisions. Furthermore, the combination of ideas can help generate a better outcome.

# data[].attributes.body
Collaboration

Collaboration, both internally and externally, will drive the bank’s growth by breaking down silos and fostering innovation through diverse perspectives. Internally, enhanced teamwork leads to streamlined processes and better problem-solving, while externally, deeper customer relationships enable access to new technologies and markets, improving overall efficiency and satisfaction.

Adaptiveness

Adaptiveness is crucial for the bank to stay competitive in a rapidly changing environment. By being responsive to regulatory changes and evolving customer preferences, the bank can quickly align its operations and offerings. Embracing new technologies and maintaining robust cybersecurity measures ensures the bank can meet modern demands and protect its reputation.

Ambition

Ambition fuels the bank’s pursuit of aggressive growth goals and innovation. A clear, ambitious vision from leadership inspires employees to achieve higher standards and attracts top talent. This drive for excellence enables the bank to expand into new markets, continuously improve its products and services, and remain a leader in Asian&African markets while also expanding in Europe and America.

# data[].attributes.body
Analytical skills:

Ability to analyse financial data, identify trends and make data-driven decisions. Good use of statistical tools and software to perform data analysis.

Risk Management:

Experience of working within GIA, good understanding of key risks and what the bank is doing to mitigate these through implementation of controls.

Project Management:

Knowledge of project management methodologies (agile,scrum) to streamline processes and enhance productivity

# data[].attributes.body
Analytical Skills:

• Ability to analyze financial data, identify trends, and make data-driven decisions.

• Proficiency in using statistical tools and software to perform data analysis.

Risk Management:

• Having worked within GIA for the past 6 months I have a good understanding of key risks for the bank and what the bank is doing to implement controls and mitigate the risks.

Project Management:

• Knowledge of project management methodologies (e.g., Agile, Scrum) to streamline processes and enhance productivity.

# data[].attributes.body
1. Flexibility: constantly adapting to changing global markets, enabling us to benefit from new opportunities.

2. Local knowledge: given the global footprint of SCB, knowledge specific to each marketplace is important to provide tailored products globally for our customers

3. Collaboration: collaboration across teams and across markets is crucial to enable the above skills

# data[].attributes.body
Data analytical skills: Allow us to gather and analyse the data. So that we could draw the conclusions and do comparisons.

Networking Skills: Building professional networks, both within the bank and across related sectors, can provide us valuable information, resources, and potential business opportunities.

Decision-Making Skills: Allow us to gather relevant data, compare the pros and cons, and make decisions that align with the bank's strategic and provide the best performance.

# data[].attributes.body
1. Adaptability: this refers to the bank’s capacity to swiftly adjust to changing market conditions, regulatory requirements, and diverse cultural norms. An adaptable team can pivot strategies, embrace new technologies, and respond effectively to unexpected challenges, ensuring the bank remains agile and competitive in the dynamic financial and business landscape.

2. Risk Management Proficiency: this involves effectively identifying, assessing, and mitigating risks to safeguard the bank's financial stability and reputation. It includes implementing robust risk assessment frameworks, monitoring potential risks, and developing strategies to manage and minimize these risks.

3. Talent Development: this involves nurturing and enhancing the skills and capabilities of employees to drive individual and organizational growth. This process includes providing training opportunities, mentorship programs, career development paths, and feedback mechanisms to empower employees to reach their full potential, which in turn reflects on the bank’s effectiveness.

# data[].attributes.body
1.     Regulatory Compliance and Risk Management

Some critical skills that fall in this category include regulatory knowledge, risk assessment and ethical conduct.  This means by staying up to date with local and international banking regulations to ensure the bank’s operation. It is also critical to maintain high ethical standards and integrity in all business practices to build trust with stakeholders.

2.     Strategic thinking and planning

Some strategic moves may involve strong market analysis and business development by formulating and implementing strategies to drive growth and expand the bank’s market share.

3.     Collaboration and Teamwork

A great team atmosphere within Standard Chartered includes cross-functional collaboration, communication and conflict resolution. The ability to manage and resolve conflicts constructively to maintain a positive and productive work environment is fairly essential.

# data[].attributes.body
1. Technological Adaptability: we must be comfortable with the latest digital tools and continue to develop our competencies in new technologies.

2. Cultural Competence: we must be capable of communicating effectively, especially in a bank with such a large footprint as ours. Cultural understanding is essential for building relationships across borders, as well as being open to diverse perspectives and practices.

3. Strategic Thinking: in dynamic and unpredictable markets, we must be able to think strategically in order to overcome challenges and seize new opportunities. Particularly, developing a pro-active approach will enable us to identify potential issues and solutions.

# data[].attributes.body
1. Cross-Cultural Collaboration:

Ensures that everyone is understood and valued, fostering a more cohesive and productive team - requires active listening skills and cultural sensitivity

2. Technological Proficiency:

As a geographically dispersed team within a global bank, strong virtual collaboration skills help maintain productivity and cohesion despite physical distance - requires proficiency with virtual collaboration tools, and maintaining regular and structured communication

3. Time Management and Self-Discipline:

Careful planning and discipline to ensure that work is completed efficiently and deadlines are met - requires prioritizing tasks, and setting personal/team deadlines

# data[].attributes.body
1. Data Analytics and Interpretation

2. Innovation and design thinking

3. AI and machine learning

4. Cybersecurity expertise

# data[].attributes.body
•Technological proficiency – with the rapid advancements of technology (blockchain, AI in particular), being proficient and informed of the latest software, data analytics approach, and fintech solutions helps to enhance operational efficiency, improve customer service and stay competitive.

•Logical thinking – this ensures us to evaluate situations thoroughly, consider all factors and make decisions that are in the best interest of the bank and clients. Precise and rational judgment is critical in the industry, especially in financial analysis, risk assessment, and compliance.

•Cross-cultural communication – this will help smoothen and accelerates the process when cooperating with various internal and external international stakeholders (including colleagues, clients etc.) on different matters

# data[].attributes.body
1) Embedded Banking: This is where banking services are integrated into other platforms and applications that customers already use. For example, imagine being able to check your account balance or make a payment directly within a ride-hailing app such as Uber. Embedded banking streamlines the customer experience and creates new opportunities for partnerships.

2) Open Banking: This allows customers to share their financial data securely with third-party providers. This can lead to the development of new and innovative financial products and services. For example, a customer could use open banking to allow a fintech company to analyze their spending habits and recommend personalized budgeting tools.

3) Subscription-based Banking Model: Consider offering subscription-based tiers with different account features and benefits. This would allow customers to choose a plan that best suits their needs and budget. Higher tiers could include premium services like dedicated financial advisors, priority customer support, or exclusive rewards programs.

# data[].attributes.body
Cross Functional Collaboration:

Collaborating across departments to develop market and client knowledge and utilise diverse expertise. This will provide a more comprehensive and innovative solutions to complex issues.

Data-Driven Decision Making:

Leveraging the bank's database and analysis to formulate solutions and predict consumer changes and trends. This will provide a cutting edge and allow for effective for risk management.

Effective Communication:

Efficient and clear communication can speed up processes and prevent misunderstandings. This can be achieved by ensuring systems and procedures are in place to allow for collaboration and transparency.

# data[].attributes.body
1. Customer Relationship Management:

Building and maintaining strong relationships with customers is crucial for a banks success. This includes understanding customer needs and grievances and taking on feedback in a positive manner.

2. Data Analysis and Interpretation:

Banks generate vast amounts of data and the ability and skill to navigate through the data and make informed and strategic decisions is invaluable. This leads to better risk management, targeted strategies and improved financial performance.

3. Regulatory Knowledge and Compliance:

The banking industry is heavily regulated and understanding these legalities and ensuring compliance helps maintain the banks integrity. It helps in navigating complex legal issues, reduces the risk of penalties and ensures transparency in the banks operations.

# data[].attributes.body
1. Effective communication - clear, concise communication, ensure everyone understands their roles, responsibilities. Providing feedback to each other where appropriate, and establish your career network from there.

2. Embracing technology - staying up to date with the technology, adapt quickly to new tools and streamline workflows where possible. Automate repetitive tasks and increase productivity.

3. Storytelling - skills to ensure the audience to stay engaged is important, make sure your ideas are well presented to others and keeping others listening can avoid time wasted repeating the same information. Learn to read the room and use the appropriate language is also useful.

# data[].attributes.body
1. Communication: Effective communication is essential for clarity, alignment, and collaboration within teams and across departments, as well as with our clients. Clear and concise communication fosters understanding and drives efficient decision-making.

2. Adaptability: The ability to quickly adjust to new situations, challenges, and environments is crucial in a fast paced business workspace. Being adaptable enables teams to embrace innovation and work through unexpected events efficiently.

3. Critical Thinking: This skill involves analyzing information objectively, evaluating alternatives, and making reasoned judgments. Critical thinking empowers teams to solve complex problems, innovate solutions, and make well-informed decisions that drive progress and growth.

# data[].attributes.body
Technological proficiency: with the rapid advancements of technology (blockchain, AI in particular), being proficient and informed of the latest software, data analytics approach, and fintech solutions help to enhance operational efficiency, improve customer service and stay competitive.

Logical thinking: this ensures us to evaluate situations thoroughly, consider all factors and make decisions that are in the best interest of the bank and the clients. Precise and rational judgement is critical in the industry, especially in financial analysis, risk assessment, and compliance.

Cross-cultural communication: this will help smoothen and accelerates the process when cooperating with various internal and external international stakeholders (including colleagues, clients etc) on different matters

# data[].attributes.body
Time Management: As things get more and more complicated and piled up in work, sorting out priority and managing the time successfully is crucial.

Resilience: Resilience refers to not taking rejections personally and being able to quickly recover from mistakes in workplace. This skill is needed in managing pressure and remaining confident even in hard times.

Leadership: Being able to lead a team means having the ability to care about others, contribute to the team, and taking responsibility for the collective work. This enables employees to move further and faster in career.

# data[].attributes.body
Time Management: As things get more and more complicated and piled up in work, sorting out priority and managing the time successfully is crucial.

Resilience: Resilience refers to not taking rejections personally and being able to quickly recover from mistakes in

workplace. This skill is needed in managing pressure and remaining confident even in hard times.

Leadership: Being able to lead a team means having the ability to care about others, contribute to the team, and taking responsibility for the collective work. This enables employees to move further and faster in career.

# data[].attributes.body
1. Customer experience:

We should aim to deliver more than just banking services to customers and rather, leave a lasting experience with our customers

2. Cybersecurity:

Ensure that we protect sensitive financial and customer data from cyber attacks

3. Strategic partnerships

SC can partner with emerging fintech companies to drive growth and stay competitive in the financial space