Manager Portfolio Management Ccpl

Kuala Lumpur, Malaysia

Job Description

RESPONSIBILITIES * Manage, Develop, and implement credit policies and risk management strategies for effective portfolio management. * Manage the unsecured portfolio within approved risk appetite, monitor the portfolio, highlight risks, and i RESPONSIBILITIES Manage, Develop, and implement credit policies and risk management strategies for effective portfolio management. Manage the unsecured portfolio within approved risk appetite, monitor the portfolio, highlight risks, and intervene to contain risks Ensure Loan Impairment budgets are met Develop and manage portfolio MIS for effective portfolio tracking, triggers, and exploration to assist the business in achieving the optimum risk reward equation. Support Business in existing and new product development to assist in meeting business objectives. Manage the new initiatives, sandbox experiments, new segment plans, geographic expansions and fintech partnerships Implement Local Risk strategies. Implement and manage regulatory changes Active participation and guidance on digitization efforts through RTOB and other systems. Manage implementation of approved policies and risk decision frameworks in decision engines. PORTFOLIO MANAGEMENT Understand sensitivities to key risk drivers and potential stress impact on the portfolio. Monitor external factors such as state of the economy, regulatory environment, and other emerging risk trends. Ensure that Portfolio Standards evolve appropriately to proactively manage changes in external environment, strategy and/or risk appetite. Monitor, review and control risk profiles (e.g. Risk grade migration, risk concentration, RWA) to ensure that portfolio shape is in line with strategy. Ensure development of quality MIS to monitor on-us and off-us portfolio shifts via segmentation and identify risks and opportunities. Ensure MIS decks provide adequate segmentation and profitability indicators. Perform in-depth portfolio analysis on identified business issues. Conduct program tracking to ensure continuous validation of credit policies for essential program rollouts. Contribute to design of credit process around portfolio activation/ intervention and drive automation to improve the efficiency and effectiveness of portfolio management process. Continuously improve the way we work by driving cost effectiveness and automation of credit processes. OPERATIONAL RISK To exercise Process Ownership for the following processes - Portfolio Management for CCPL CAD & CRD Credit Programs Development, Formulation, seeking approval and Implementation and carry out responsibilities with the support of the organizations at the Group, Country and Business levels. To ensure risks of processing failure are being actively controlled end-to-end. 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. Processes Ensure adherence to all internal and external regulations To embed CPBB Risk monitoring as an integral part of the process. Governance Support the governance related responsibilities as assigned by Unsecured Credit Risk Management Head and the Country Credit Head. Regulatory & Business Conduct Display exemplary conduct and live by the Group&rsquos 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 P&G / SCMAC Collections CCPL Business Credit Initiation and FRMU Compliance Operations Group Risk ROLE SPECIFIC TECHNICAL COMPETENCIES QUALIFICATIONS : Training, licenses, memberships and certifications Strong prior experience in Unsecured Risk Policy / Risk Analytics Exposure to risk decision frameworks, credit models Exposure to Credit Bureau Knowledge of SAS Post Graduate/MBA 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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Job Detail

  • Job Id
    JD870740
  • Industry
    Not mentioned
  • Total Positions
    1
  • Job Type:
    Full Time
  • Salary:
    Not mentioned
  • Employment Status
    Permanent
  • Job Location
    Kuala Lumpur, Malaysia
  • Education
    Not mentioned