Job Description

The Role Responsibilities Job Role Ensure overall credit policy and procedure are in line with Global Credit Standards (Global CAD, Group Credit Policies) and Country Regulatory guidance, and the credit risk and portfolio composition are kept within the Bank\'s risk appetite. Produce, review, and update policies based on credit performance monitoring and analysis as well as business opportunity and future strategy based in risk return optimization. Responsible for digital lending portfolio. Strategy Improve portfolio quality and optimize risk adjusted return dynamics through development of effective acquisition strategy, including increase or decrease of exposure based on segment performance within the portfolio. Business High level of business partnership and engagement to ensure alignment and implementation of the strategic agenda. Actively engaging business in acquisition activation and interventions initiative. Processes Contribute to design of credit process around acquisition activation/intervention and drive automation to improve efficiency and effectiveness of acquisition process. People and Talent Work closely with other units within Credit Department and other stakeholders outside Credit Department to support overall credit and business initiatives and strategy. Risk Management Perform continuous monitoring on portfolio performance and take necessary actions to ensure the quality of portfolio is within credit parameter and benchmark. Update CCPM based on business opportunity, portfolio performance, internal / external risk, Group Policies and Bank\'s Risk Appetite. Identify and escalate when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees and ensure timely resolution. Enhance risk MIS capabilities for better portfolio monitoring and tracking. Governance Ensure compliance within Group Policy and Local Regulatory. Regulatory and 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. Work with the Unsecured CRM team to achieve the outcomes set out in the Bank\'s Conduct Principles: [Fair Outcomes for Clients Effective Financial Markets Financial Crime Compliance The Right Environment]. Implement control and assurance mechanism in the responsible area to ensure CRR requirements based on Prudential Compliance Framework are complied. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key Stakeholders Other units within Credit Department and other units outside Credit Department (e.g. Business, Legal and Compliance, Finance, OPS, CI, etc) Other Responsibilities Implement the brand promise and values more deeply within the Bank. Our Ideal Candidate Graduate degree with 5 - 10 years of relevant Risk Management experience. Extensive knowledge of digital banking and lending credit process. Middle Management level experience in Credit / Operational Risk. Sound understanding of Banking processes and products. Strong risk and control mind-set. Language English Role Specific Technical Competencies Analytic and programming skill (e.g. SAS) Credit Risk Lending knowledge Digital Banking knowledge Enterprise Risk Management 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 , together with our brand promise, to be are achieved by how we each live our . 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.

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