Job Description

JOB SUMMARY
Strategy
The role holder is responsible for development & execution of Global Personal Loan strategies and budget within the context of the wider global Credit Cards & Personal Loans ("CCPL") strategy. This role will also cover the portfolio management of both Personal Loan and Partnership Lending programs in WRB.
This includes translating these strategies with the relevant region and country level stakeholders into execution activities.
Business
The role holder will lead the Global Personal Loan team in managing PL product characteristics, overseeing Personal Loan business, distribution strategies and delivery technologies that satisfy the needs of the business, and to follow all applicable regulatory requirements, including:

• Leveraging advanced analytics and collaborating with risk teams to provide thought leadership on risk and pricing frameworks to enable markets to deploy portfolio management strategies that are EVA accretive and within risk appetite.

• Leveraging analytics and collaborating with regional and country teams to track portfolio performance and identify opportunities for performance enhancement.

• Develop and execute the agreed market participation models for Personal Loan business globally. Ensure the alignment, communication, and execution from group to country, and deliver financial results that are in line with corporate plans and budgets.

• Ensure balanced growth and returns optimization by and life cycle portfolio management tools including top-ups, margin, cost and return management, and coding these into PPGs.

• Collaborate with key stakeholders in the WRB organization to provide support in the market and direction around new customer and portfolio opportunities and execution upon them

• Collaborate with key stakeholders to help develop relevant products and propositions for the target client segments.

• Work closely with:

• Group Finance team
• Group Credit Risk team
• Group 2LOD and 3LOD functions
• Country WRB teams
• And all other relevant teams and stakeholder in the bank

• Train and develop talents.

Processes
The role holder is responsible for:

• Will engage with risk control owners and / or group policy owners for the implementation of policies and control standards set by them.

• Ensuring appropriate NTP and ETP procedures and controls are in place to operate within the group credit and operational risk tolerance and appetite.

• Defining and driving global (versus local) regulatory and compliance standards for managing PL customer relationships and working closely with markets to ensure they are met.

• Reinforce the right conduct culture in managing PL customer relationships.

• Execute the framework for PL set by the Global PL team to track effectiveness and efficiency.

• Collaborate across the RB organisation to identify, prioritize and design processes for rationalization, simplification, standardization and digitization for effectiveness, efficiency and market relevance.

People and Talent

• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations and work in collaboration with partners.

• Ensure holders of all critical functions are suitably skilled and qualified for their roles, including effective supervision in place to mitigate any risks.

Risk Management

• Collaboratively partner with risk teams to ensure risk management procedures and processes are effectively implemented to operate within operational and credit risk appetite.

• Partner with country CCPL teams for a robust risk management environment by identifying key risks and issues and ensuring effective mitigating procedures and controls are implemented.

• Work collaboratively with countries and functions to ensure any audit findings are suitably rectified.

Governance

• Develop and implement a clear structure of accountability to ensure team members can perform their roles successfully and there is clear oversight and decision making, including by relevant Committees.

• Take responsibility for assessing the effectiveness of arrangements to deliver effective governance, oversight and controls in business, and if necessary, oversee change in these areas.

• Maintain an awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role.

• Take responsibility for delivering 'effective governance' and to challenge fellow executives effectively

• Work with regulators in an open and cooperative manner.

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.

• Assist Global Personal Loans 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

• All relevant group functions in WRB

• Country CCPL Heads

Other Responsibilities

• Leverage the opportunity provided by Corporate Social Responsibility to create positive impact.

• Embed here for Good and Group's brand and values across the retail bank.

• Perform other responsibilities assigned under Group, Business, Function, Region or Country policies and procedures.

Our Ideal Candidate

• MBA Preferred or bachelor's degree / higher in finance, accounting, math, computer science or engineering.

• 12+ years of experience in financial, data or risk analysis in banking or fintech industry.

Role Specific Technical Competencies

• Strong understanding of analytics and solid numerical skills.

• Good interpersonal, negotiating and influencing skills.

• Positive attitude, high energy, ability to work under pressure and to tough deadlines.

• Ability to lead, influence and instil energy

Group Mandatory Learning:

• Understanding Sanctions
• Safety and Security
• Group Privacy Awareness
• Introduction to Fraud Risk Management
• Rejecting Bribery and Corruption
• Cyber Security Awareness for Everyone (CyberSAFE) - New Joiners
• Enterprise Risk Management Framework
• Group Code of Conduct
• Anti-Money Laundering & Counter Terrorist Financing
• Anti-Trust and Competition Law
• Conflicts of Interest
• Introduction to Operational Risk Management
• Reputation Risk Certification
• Treating Clients Fairly - Entry Level for Retail Banking
• Group Cross Border Client Engagement
• Inclusive Leadership

Role Specific Technical Competencies

• Product Management
• Governance and Conduct
• Risk Management
• Analytics
• Financial Management

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.

Recruitment Assessments
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Skills Required