Job Description

Role Responsibilities

Credit Policy

• Formulating and obtaining approval of Local Underwriting Standards (from credit risk perspective)
• Credit Risk and regulatory compliance, governance, monitoring and control.
• To provide assurance on credit policy and risk appetite conformance.
• Ensure adherence of the Group Guidelines and ensure valid dispensation approvals in place for mindful gaps.

Portfolio Monitoring / Analysis

• Identify key risks impacting the portfolio and perform analysis on the same.
• Stressed / vulnerable sectors assessment and stress test analysis.
• Analysis on key external events and assessment of the same on the portfolio.
• Recommend portfolio level actions / restrictions basis impact assessed due to external / internal events.
• Support and provide analysis to Group on adhoc / need basis on global events that are expected to have impact on portfolio.
• Monitoring of the portfolio Early Alert and GSAM trends and provide meaningful recommendations where applicable.

Capability Enhancements

• Partner with business to ensure that credit processes are efficient, effective and improved
• Support delivery of scalable efficient underwriting processes
• Working in partnership with business and other functions on issues surrounding systems development, risk reporting and new modelling methods or upgrades of infrastructure
• Act as a one-point contact for the various automation initiatives undertaken by Country / Group
• Tracking of portfolio and credit markets for potential update to Risk committees: spreads, default rates, default forecasts, market indicators, indices, macroeconomic indicators, etc.
• Support of centrally driven reviews, analyses and stress tests.
• Support writing of papers by CCO to be presented to various group and country committees.
• Support CCO for various initiatives taken from credit perspective.

Audit

• Engage with internal and external auditors from CCIB Credit Risk perspective and address their queries.
• Assist CCO in review of audit report and preparation of revert on the findings.
• Assist CCO in completing the audit action plan and its effective implementation.
• Assist CCO in ensuring various governance activities are completed on a timely manner and being audit ready.

Regulators

• Assist CCO in preparation of various periodic regulatory reviews and responding to queries from regulators.
• Assist CCO in addressing regulatory observations and formulating necessary action plan.
• Assist CCO in reviewing periodic regulatory changes and feedback / implementation from Credit Risk perspective.

Strategic Initiatives

• Credit risk transformation and development of control and operating environment.
• Regulatory change implementations from credit perspective.
• Risk process change.
• Process improvement plans.
• Feedback loop to CCO.

Committee Representations

• Credit Issues Committee
• Country Risk Committee
• Country Non Financial Risk Committee

Monthly Reviews / Update / Presentation

• ECL Stage 1 and Stage 2 Good book provisioning review on a monthly basis and detailed analysis to be shared with CRO and CCO
• Review of various Credit MIS / Report.
• Preparation of various decks for CCO for presentation to Senior Risk Members / Auditors, etc.
• Revert on any other adhoc queries sent to CCO office.

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.
• Lead the CCIB Credit Risk 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.] *
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

Internal

• Regional and Country Co-Heads CCIB
• Regional and Country Heads of Functions
• CCIB Risk Leadership team
• Product Heads and Operational Risk Heads

External

• Auditors
• Government regulators
• Local rating agencies

Other Responsibilities

• Live by values and brand promise 'Here for Good'.
• Determine credit training needs within their territory and arrange for these needs to be met in collaboration with Organisation Learning.

Our Ideal Candidate

• Minimum Post Graduation / Professional Course Required

Internal

• Corporate Credit Risk Management Certification (CCRMC)

e-learnings

• As assigned by learning centre.

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.

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