Job Description

Job ID: 43196


Location: Petaling Jaya, MY


Area of interest: Operations


Job type: Regular Employee


Work style: Office Working


Opening date: 12 Nov 2025

JOB SUMMARY

Execute the OPS WRB - Risk Operations strategic direction and manage country Credit Initiation activities and processes effectively and efficiently Work with WRB CCO and CCH and other stakeholders in-country for smooth functioning of Credit Initiation processes and activities To ensure quality of credit underwriting in Wealth Management is maintained within parameters under respective Product Development Document (PDD) and under Group and local credit policy and business strategy, and that reporting of information relating to this portfolio is timely and accurate. To ensure applications are processed within the acceptable TAT.
To instil strong credit culture by setting highest standards and demanding these are maintained by all business partners within Retail Banking.

RESPONSIBILITIES

Strategy

Provide inputs in shaping the OPS WRB - Risk Operations strategic direction.

Business

Optimise operating efficiency while balancing the effectiveness of decision making within the OPS WRB - Risk Operations function.
Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.

Assist Head, Credit Initiation to identify, coordinate, drive and implement productivity projects for the country.

Processes

Ensure that credit origination decisions are executed in line with the delegated authority while adhering to the process standards defined by CCH, Retail Banking. Assist Head, Credit Initiation to lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives in the country for Credit Initiation. Assist Head, Credit Initiation in managing capacity planning, develop and maintain robust and scalable Credit Initiation processes to execute risk management policies and strategies. Leverage and build credit assessment infrastructure capability to optimize process efficiency. Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees. Assist Head, Credit Initiation in implementing the Operational Risk Framework in Risk Operations and monitor the operational risk metrics to identify potential control weaknesses. Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.

People & Talent

Support Line Manager in encouraging and promoting an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability

Risk Management

Identify and share industry best practices and work with the businesses for their feasibility and implementation. Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship. Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.

Governance

To support Head, Credit Initiation in,

Provide oversight on Credit Initiation team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. Embed the Group's values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture. Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.

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.

Key Stakeholders

Internal stakeholders

CCRO, Head of Operational Risk, Malaysia Regional / Country Business Heads and Product Head, Business Banking segment In-country governance forums (as may be applicable) Head of Collections Relevant members of OPS WRB - Risk Operations management team Internal IT partners supporting OPS WRB - Risk Operations business HR & L&TD team WRB Client Experience Unit

External Stakeholders

Auditors and Regulators Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks Suppliers, vendors and consultants

Other Responsibilities

Embed Here for good and Group's brand and values in Credit Initiation Team. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats) as at when required.

Our Ideal Candidate

Business Strategy and Model: Good working knowledge of Standard Chartered's Retail Clients business and that of peers in the industry Non-technical Skills: Strong written / oral communication and influencing skills. Ability to create effective work relationships within and across functions & borders Risk Management and Control: Good working knowledge of Standard Chartered's approach to risk management, specifically as applicable to Retail Risk Operations Governance, Oversight and Controls: Strong leadership capabilities and management skills, with the ability to deliver effective controls within Retail Risk Operations through both directly-managed and virtual team Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role of Credit Initiation

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 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

Are better together,

we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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.
www.sc.com/careers