Strategy
- Improve portfolio quality and optimize risk adjusted return dynamics through development of effective portfolio management strategy, including increase / decrease of exposure based on segment performance within the portfolio.
- Review of portfolio/environment indicators for pre-emptive portfolio strategy development.
- High Level of business partnership and engagement to ensure alignment and implementation of the strategic agenda.
- Actively engaging business in acquisition activation and interventions initiative
- Actively engage with business in driving and take lead in managing Loan Channelling business initiatives
- To communicate any policy changes to related party.
- To ensure the end-to-end process (i.e Operation, CI) is aligned with Country Policy.
- Work closely with other units within Credit Department and other Units to support overall credit and business initiative and strategy
- To ensure full understanding of the risk and control environment in area of responsibility
- Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through relevant committee
To ensure alignment between local regulation, group policy, and country policy. Compliance Areas in PCF (Prudential Compliance Framework) owned by CRO – CPBB:
- Category 2. Eligible Residential property, Commercial property, and other physical collateral for credit protection
- Category 3. Financial collateral, deposits with third parties and life insurance (Funded credit protection)
- Category 4. Eligible Credit Derivatives and Guarantees for credit protection (Unfunded credit protection)
- Category 5. Credit Risk Mitigation for RWA (Principles of CRM)
- Category 6. Receivable financing (IRB only)
- Category 8. Aggregation rules for SME and Retail exposures
- Category 10. Data Assurance and RWA Monitoring
- 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.
- Other units within and outside Credit Department such as Business Team, Lending Operations, Compliance and Legal, Credit Initiation, Fraud Risk, Collections.
- Always aware of the issue which informed Country, Group of Risk and cascade to team
- To fully aware with Group Policy and Standards on regulatory requirements for prevention of money laundering, Gift and Entertainment Country guideline
- Implant the brand promise and values more deeply within the Bank
- LSPP Certification Level 2
- Credit Risk Lending knowledge.
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.
Standard Chartered