Key Responsibilities

Strategy

• To build scalable, standardized and cost-effective Credit Initiation processes for Credit Risk Operations to ensure most effective turnaround time with minimal error rates

Business

• Ensure the underwriting processes framework is effectively embedded and communicated across Lending and Risk Operations for Onboarding
• Track and ensure strategies to meet budget and improvement plans.
• Track progress on OKRs, Capacity Plans and Dashboards
• Ensure the cost budget in Lending and Credit Risk Operations is based on robust capacity plans and is delivered through a rigorous cost management discipline.
• Work with the Global Head, Credit Operations on setting the framework to track budgets, MIS, cap plans, OKRs, projects and stretched.
• Communication strategy and execution for Lending and Risk Operations

Processes

• Lead and drive standardisation, automation, Hubbing & Centralisation of activities and consolidation through re-engineering and process improvement initiatives in countries for Lending and Risk Operations as part of Onboarding.
• Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees
• Implement the Operational Risk Framework in Credit Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.
• Actively work with COEs and Country Lending and Risk Operations Heads. 

People & Talent

• Support the identification, engagement, and retention of high quality professionals at the group level.
• Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives
• Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks
• Lead through example and build the appropriate culture and values within the Risk Operation team. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners
• Identify training needs and ensure necessary trainings are conducted.

Risk Management

• Identify and share industry best practices and work with the businesses for their feasibility and implementation
• Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees
• Balance business performance delivery and cost management with risk and control matters to ensure that it does not materially threaten the Group remaining within risk appetite
• Track audit points to closure and ensure the same are cascaded globally and fixed

Governance

• Provide oversight across countries, business units, and support team to ensure compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws, other applicable laws (e.g. laws governing securities activities, company law) and anti-money laundering regulations and guidelines 
• Embed the Group’s values and code of conduct in Lending and Risk Operations 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. 

Regulatory & 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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal stakeholders

•   Country COO CPBB, CCH/Regional COO CPBB, Country Lending and Risk Operations  
•   Country Onboarding Operations Head 
•   Head Fraud Operations
•   Head FRM Operations and Surveillance
•   Head FRM Strategy

External stakeholders

• Regulators and Central Banks 
• External auditors
• Suppliers, vendors and consultants

Other Responsibilities

• Embed Here for good and Group’s brand and values in Lending and Risk Operations; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;

Skills and Experience

• Credit Risk Management
• Leadership skills
• Communications Skills
• Problem Solving
• Fraud Risk Management  

Qualifications

• Education - Graduate/Post Graduate
• Training - Banking Process Knowledge,Credit Lending Process, Advanced excel, presentation skills ,good communication preferable
• Certifications - Advanced Excel, Presentation Skills Preferable
• LanguagesEnglish

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.