Job Description

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Job Details
Senior Manager - WRB Credit

Requisition Number: 46690
Job Location: Bangalore, IND
Work Type: Office Working
Employment Type: Permanent
Posting Start Date: 02/01/2026
Posting End Date: 28/02/2026
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Job Summary

• Primary responsibility for assignment of standard Loan to Values (LTV) across all WRB wealth products (bonds, equities, structured products, managed investments and derivatives). Assign non-standard LTVs after suitable risk assessment and provide input to country Wealth Lending risk teams for assignment of client specific LTVs
• Actively monitor the Wealth Lending portfolio performance across segments and booking locations and propose actions to relevant stakeholders and committees as necessary
• Assess and opine on complex structured Wealth lending transactions in Retail and Private Banking segments
• Appraise and contribute to the development of CMPS business/product review through active participation in proceedings relevant working groups
• Responsibility to uphold the integrity of Wealth Lending (PvB &PrB) risk/return decisions, and in particular for ensuring that risks are properly assessed (including product approvals and LTV assessment) and are controlled in accordance with the Group's standards and its Risk Appetite
• To ensure the Risk Management Framework is effectively communicated and implemented across Wealth Lending (PvB & PrB) and for administering related governance and reporting processes related to Capital Markets Products & Solutions (CMPS) products.
• Risk representative for credit related operational risk processes and related systems enhancement in WML. Challenge the completeness of risk control activities across Operational Risk Control Areas and identify and address any significant gaps that may exist between them
• Partner with the business on strategic initiatives in Wealth Management, Wealth Lending and Private Banking

Key Responsibilities

• Ensure oversight over processes in place in WML to maintain adherence to the LTV policy
• Ensure that material risk exposures and related issues are reported to the responsible governance committees.
• Continuously improve the operational efficiency and effectiveness of risk management processes
• Uphold and reinforce the independence of the Risk function from those whose primary responsibility is to maximize short-term revenues and profits
• Coach and mentor team members
• Conduct training sessions for Relationship Managers related to LTV methodology, systems and processes.
• Assist the Head, CRM Wealth Lending Risk & PMG, WRB in implementing the overall Risk Management Framework for Wealth Management
• Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures
• 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

Key stakeholders

• Head, CRM Wealth Lending Risk & PMG, WRB
• Global Head Wealth Lending
• Frontline stakeholders
• Country WML Credit Risk teams
• Internal Audit

Our Ideal Candidate

• 10 + years of substantial experience in the financial services industry with understanding of the dynamics of financial markets across asset classes, price movements and volatility assessment.
• Direct experience in Private Banking credit risk management / Lombard lending LTV assignment considered a strong advantage.
• Strong understanding of credit related processes and operational risk management
• Strong inter-personal skills and ability to work successfully with multi-cultural teams in diverse locations.
• Analytical mindset and ability to work independently.
• CFA/FRM certification will be considered an advantage.

Role Specific Technical Competencies

• Financial markets knowledge
• Analytical thinking
• FX & Derivatives risk management
• Wealth Lending Risk Management
• Private Banking

Other Responsibilities

• Embed Here for good and Group's brand and values in Standard Chartered [country] hub team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;

Qualifications
Education

• University Graduate

Language

• English

Skills and Experience

• Excel skills
• English skills
• Risk management
• Regulatory compliance
• Project management
• Data analysis and reporting

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.

Information at a Glance
Standard Chartered 2025. All rights reserved.
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