Job Description

Job Summary
The team plays a pivotal role in supporting the Wealth Retail Banking (WRB) business across all financial functions. This includes managing monthly financial reporting, annual budgeting, forecasting. The team provides insights on performance, variance analysis, and key drivers to help management make informed decisions, By partnering closely with the business stakeholders, the team evaluates initiatives, support strategic projects. It also manages balance sheet efficiency, monitors KPIs, and delivers forward looking financial analysis.
Key Responsibilities

• Oversee cost management, ensuring expenses are well-tracked, controlled and aligned with budgetary targets.
• Manage financial performance of the credit card and personal loan portfolio, including monitoring revenue, margins, profitability.
• Lead preparation of monthly management reports, financial analysis, and insights to support decision making,
• Drive the annual budgeting and forecasting process.
• Partner with business stakeholders to evaluate new initiatives, product launches, and campaigns froma financial perspective.
• Provide in-depth variance analysis of actuals vs budget/ forecast, highlighting risk and opportunities.
• Support strategic initiatives, transformation projects, and productivity improvements across WRB.
• Act as a finance partner to senior leadership, delivering insights that drive sustainable growth and profitability.
• Work on transforming the analytical process to improve speed, timeliness and quality of information available within finance systems and exploring new automation tools and future analytics.
• Awareness and understanding of the regulatory framework in which MYH operates and the regulatory requirements and expectations to the role.

Skills and Experience

• 10+ years relevant experience in finance at a leading global financial services firm, preferably banking.
• Bachelor's degree in Accounting, Finance, Banking or equivalent professional qualifications, i.e. ICAEW, ACCA, CPA, CA or CIMA or MBA with strong business and financial acumen.
• Strong understanding in cost and previous experience in retail business finance, particularly on credit card and personal loan portfolio, is preferred.
• Ability to develop forward looking financials model, and impact analysis.
• Ability to design/prepare senior level financial presentations/dashboards.
• Demonstrated track record of leading and managing broad processes, while challenging the status quo and embracing the spirit of transformation.
• Strong understanding of P&L, balance sheet, and returns of financial products.
• Excellent written and verbal communication skills to effectively manage varied stakeholders and global teams within finance and business.
• Ability to navigate complex situations and ambiguity.
• Live the Valued Behaviours of "Do the right thing", "Never settle" and "Better Together" on a day-to-day basis whilst seeking opportunities for self-development and growth.

Role Specific Technical Competencies

• Business and Product Knowledge (WRB)
• Financial and Management Reporting
• Cost Management
• Budgeting and Forecasting
• Performance Analytics
• Stakeholder Management

Key Stakeholder

• Head, Business Finance WRB (Malaysia)
• Head, Business Finance WRB, Singapore & ASEAN
• Head, Personal Banking, CCPL. Digital Banking

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.

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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Skills Required