Job Description

Role Responsibilities Portfolio Management .Proactive management of the Secured Lending & BB portfolio to be within acceptable and agreed risk appetite. .Development, management and implementation of credit policies and risk management strategies for effective portfolio management. .Implementation of local and group risk policies, strategies, processes and controls. .Development and management of portfolio MIS for informed decision making and effective portfolio management. .Meet LI budget and benchmarks. .Ensure compliance to regulatory changes. Business .Management of all stakeholders, including developing partnership relationship with business partners, regulators, Group and balancing the role with stakeholder expectations. .Support good business growth. Leading .Provide direction, guidance and motivation for Secured Lending and BC Risk team. .Develop bench strength to allow for development of each member of the team. Strategy . .Development, management and implementation of credit policies and risk management strategies to achieve quality bookings and effective portfolio management. .Assess potential portfolio / individual impairments and work in partnership with Collections to implement appropriate strategies for minimizing losses. .Facilitate strategic initiatives via CRD to explore new opportunities. .Periodic review of the entire portfolio for optimal decision making .Continuous tracking of portfolio performance against budget to ensure appropriate collections action are taken as required. Business . .Drive and enhance MIS and analytics to facilitate effective monitoring and pre-emptive portfolio management. .Conduct in-depth portfolio analysis on business issues identified. .Drive cost effectiveness and automation of credit processes. Processes . Provide guidance to Credit Approval Managers in credit evaluation. Work closely with Credit Approval team to track deviations for approvals and monitor breaches in the product programmes by highlighting issues so that corrective/preventive action can be taken. People & Talent . Employ, engage and retain high calibre staff. Ensure effective succession planning for key positions in the Secured Lending and BB Risk function. Ensure provision of ongoing training and development for members of the department aligned to the potential career path and development plan. Practice active and engaged performance management - clear definition of goals and objectives and measurement of performance. Establish and maintain high level of staff engagement. Risk Management . Development, management and implementation of credit policies and risk management strategies to achieve quality bookings and effective portfolio management. To exercise Process Ownership for the following processes - Portfolio Management - Secured, Retail Banking Ensure risks of processing failure are being actively controlled end-to-end. Ensure compliance with the Group\'s standards and regulatory requirements pertaining to Money Laundering and KYC. Participate in and / or support the Bank\'s effort in combating money-laundering activities. Ensure compliance with local regulations and group policies. Ensure compliance to the operational Risk Framework including the effective application of risk toolkit eg. KPIs/KRIs, CSTs and reporting. Ensure material risk exposures and related issues are reported to the responsible governance committees and to Group and business level committees as appropriate. Governance . Strict compliance to Group Standards, regulations and controls set by the Bank and regulators. Ensure triggers and thresholds per local regulations, group policies, CCPM and CADs are adequately monitored. Readiness for internal and external audits. Key stakeholders . Country Credit Head, Head of Operational risk, Group Credit Risk, Legal & Compliance, Credit Initiation, Collections, Fraud, Policy teams, Technology, Group Internal Audit, Business team About Standard Chartered We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 years, we\'ve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you\'re looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can\'t wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you\'ll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with with minimum global standards for annual and public holiday, which is combined to 30 days minimum Flexible working options based around home and office locations, with flexible working patterns Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you\'ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website

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