Job Description

The Role Responsibilities Strategy To underwrite and manage loans under credit initiation (credit analysis and credit approval) for business installment loan, business working capital loans, commercial & residential mortgage loans, credit cards, personal loans, wealth management loans. To provide feedback to the policy team on gaps and overlay in the credit policy observed during underwriting. Involve in credit risk & provide credit assessment and deliver strategy on risk operations. Business Support and deliver Bank\'s strategic intent to become the world\'s best international and focusing on banking the companies and people driving trade, investment and wealth across Asia, Africa and the Middle East. Actively sponsor and reinforce strategic change through effective and receptive change management practice. Processes Ad hoc reporting and other duties assigned byHead, Credit Lending Operations from time to time. Co-supervision and training of new/existing staff on new products and guidelines under the purview of credit evaluation. Actively engage the teams in regular discussions to drive operational efficiency and knowledge sharing. Maintain an open channel of communication with other stakeholders particularly sales channels, product/ process, policy/risk and operations teams to address any issues. To ensure quality of credit underwriting in CPBB Business Instalment Loans (BIL, including Government Instalment [GIL], Commercial Mortgage (CM) and Business Working Capital (BWC) (including Supply Chain Financing (SCF) & Legacy Program Lending Trade) 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. Ensure services provided by CPBB Client Onboarding Operations and Third-Party Service Providers are delivered in accordance with agreed service standards. To identify service delivery issues in the country and reflect then in the operational plans with appropriate actions to address the issues. Monitor performance against standards and provide timely feedback to direct reports. Accountable for efficiency and effectiveness of CPBB Client Onboarding Operations processes by ensuring service standards are in line with competitive benchmarks. Review end to end processes with Direct reports and GBS team service delivery units with the aim of enhancing workflow, productivity and achieve end to end efficiencies with optimal resourcing at both bank and GBS. Responsible for the provision of support, advice and guidance to the branch network and other processing centre regarding all areas of operations including the organization of service and efficiency from a customer perspective People & Talent Banking products knowledge - SME Credit, Credit Cards, CASA, Mortgage, PL, Banca Market and competition knowledge Lead through example and build the appropriate culture and values.Set appropriate tone and expectations from their team and work in collaboration with risk and control partners. Ensure that GBS counterpart holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks. Ensure framework and execution of planning in place. Participation for all key trainings for personal development & mandatory e-learning are completed within stipulated timeframe. Risk Management Accountable for identifying, managing and controlling risks by ensuring that all procedure and processes are in compliance with laws and regulations as well as relevant law of the domiciled country of client to avoid risks to clients, Bank and the Group. Ensure accuracy in the creation and maintenance of a compliance culture, undertake compliance monitoring, generate timely and accurate compliance reports, proactively advise Country Compliance on compliance issues and updates new matrices as advised by the Business Compliance Coordinator. To proactively identify and recommend areas of risk/ opportunities arising from regulatory and market changes. Ensure all processes within Client Onboarding Lending Operations comply with Standards, Risk and Compliance procedures and processes. Governance The ability to assess the effectiveness of the firm\'s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role Ability to deliver \'effective governance\' capability to challenge fellow executives effectively and willingness to work with any local regulators in an open and cooperative manner. Take personal responsibility for understanding the risk and compliance requirements of the role. Understand and comply with, in letter and spirit, all applicable laws and regulations, including those governing anti-money laundering, terrorist financing and sanctions the Group\'s policies and procedures and the Group Code of Conduct. Effectively and collaboratively identify, escalate, mitigate and resolve risk and compliance matters. Embed the Group\'s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture. Local regulator prescribed responsibilities and Rationale for allocation. Key stakeholders Country Consumer & Business Banking Head, General Manager, Cards and Personal Loans Head, Card Products & Acquisition GM - Deposit, Mortgages & Digital MD, Head of Business Banking Consumer Banking Product Managers Head, Personal Banking, Segment & Acquisition Head Digital Banking Manager Digital Banking Country Programme Manager (CTM) Country Technology Management (CTM) Production Support Team Head, Client Experience and PMO Head, Branch Operations Branch Managers & Branch Operations & Service Managers Head, Business Operational Risk Manager Head, Consumer Banking Client Care Centre Country COO CPBB COO Head, Cash Management Services CCRO & Head of Operational Risk Supply Chain Management Head, Compliance Officers Head, Finance Internal Audit Team Cluster Head of Business Resilience Global Business Services - Malaysia & India COO, Client Servicing & Transacting, CPBB Vice President- Group Retail Liability Operations Senior Manager Group Retail Ops Cards HRBP Lead, CPBB, Specialist Functions & Saadiq Head HR Specialist Delivery MY External: Bank Negara Malaysia Officers Associate Bank Malaysia officers (ABM) External Audit teams 3rd party vendors Other Responsibilities Embed Here for good and Group\'s brand and values in Malaysia / CPBB Operations Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures Multiple functions (double hats) Our Ideal Candidate Education: Bachelor Degree Membership AICB or Any Other Certifications AICB Certifications or Any Banking Certifications Languages English Bahasa Malaysia Mandarin Cantonese Role Specific Technical Competencies Manage Conduct Manage Risk Presentation Credit Underwriting Credit Risk 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 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.

foundit