• 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.
• Add value by giving suitable cost solution to stakeholders on business planning and strategy scenario; monthly trend analysis, identifying risk and opportunities.

• High level of business partnership and engagement to ensure alignment and implementation of the strategic agenda. Actively engaging business in portfolio activation and intervention initiatives.
• Responsible for account, portfolio and LTV and collateral monitoring and review.
• Producing and reviewing reports for WM Lending and any requested data.
• Responsible to ensure all country policy, group policy and local regulation related with WM lending implemented.
• Performing gap analysis against group policy, country policy and local regulations. Including escalation of any deviations for any gap identified, ensuring approvals are in place and tracking action plans.
• Performing any system related reviews, such as SPEED matrix certification, EUC.
• Demonstrating business partnership and engagement with key stakeholders to ensure alignment and implementation of any initiatives, not limited to solving any issues related with WM Lending.
• Responsible for updating country policy (CCPM), related DOI, procedure or SLA align with business strategy and Group policies.

• Implement cost saving Cost saving on training, travel cost, seat count/ relocation, event/ meeting, stationary, people activities, team’s transportation, (9) MMI, others.
• Responsible for reimbursement business expenses, operational expenses, validating T&E claim.
• Responsible for travel arrangement and ensure comply with latest policy.
• Responsible for validating eProcurement requests, monthly T&E report, carpooling & taxi usage, MMI, etc.
• Taking phone calls, enquiries and request and handling them when appropriate.
• Diary management & TOR (for CCH, RB Risk internally, regulatory meetings, etc.).
• Event planning (people activities agenda, annual offsite training, CSR activities.
• Office management.
• Travel planner & arrangement: visa, airport assistance, transport, general assistance, and agenda for group visit and CCH + team’s business trip.
• Maintain office filings.
• Liaising with suppliers, vendors.
• Responsible for providing attrition data for AFPQR and updating team’s organization chart.
• Responsible for LSPP process Risk team and other training arrangement.
• Responsible for updating DOA (CCH’s, travel DOA) and POA.
• Facilitate internal communication (e.g., distribute information, report status, etc.).
• Support the control and assurance review to policy and processes within Credit Retail Risk functions to ensure all properly implemented and aligned with Country Regulatory and Group Credit Risk Policy and Procedures.
• Contribute to design of credit process around portfolio activation/ intervention and drive automation to improve the efficiency and effectiveness of acquisition and portfolio management process.
• Work closely with other units within Credit Department and other stakeholders outside Credit Department to support overall credit and business initiatives and strategy.

• Responsible for people activities agenda and team engagement.
• Ensure all staffs are completing Risk Management certification as per required level.

• Perform continuous monitoring on new booking and portfolio performance and take necessary actions to ensure the quality of new booking and portfolio are within budgeted credit parameter.
• Review of portfolio indicators for pre-emptive acquisition and portfolio strategy development.
• Identify and escalate when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe, escalated through the relevant stakeholders, and resolved timely.

• 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

• Supervise policy alignment and ensure the policy is communicated and executed properly.
• Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
• Support the conduct of audits both from internal and external, including performing and monitoring any action items from audit findings.

• 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.
• Aim to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients, Financial Crime Compliance.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.
• Comply with local regulator such as Central Bank, OJK, Ministry of Finance.

• CPBB Group Risk
• Group PMG
• CPBB Business Team (WM Lending)
• CPBB Non – Financial Services
• CPBB Credit Initiation
• CPBB Legal
• CPBB Compliance
• CPBB Operations – Change Management
• CPBB Operational Risk
• Country IT department
• Risk Reporting, GBS
• Risk CPBB Team

• To fully comply with Group Policies and Standards or local regulatory requirements for the prevention of money laundering, Anti Bribery & Corruption and Gift and Entertainment.
• Actively involves in internal & external audit event (GIA, Country Audit, OJK, BI).
• Implant the brand promise and values in daily activity within the Bank.

• LSPP Level 1

• Secretarial/ Administration
• Event management
• Office management
• Risk Management and Control: Awareness and understanding on portfolio segmentation and end to end process on Wealth Management Lending.
• Financial Analysis and Control: Develop portfolio analysis Wealth Management Lending performance.
• Governance, Oversight and Controls: Awareness and understanding on local regulatory, group policy requirement, and internal process flow related with WM Lending.
• Regulatory Framework and Requirements: Awareness and understanding on local regulatory related with wealth management lending.

• 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

• 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 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.

Standard Chartered