Job Description

Role Responsibilities

• This role is a data specialist role within the Credit Risk team entrusted with the responsibility of data management used for credit risk purposes.
• Other than data management and reporting, individual will be working in one or more strategic initiatives or data remediation project for CPBB credit. Role in strategic initiative will be to define and implement the data sourcing requirements and associated controls. Role in data remediation projects will be to improve data quality by doing data quality and impact assessments, root cause analysis and remedial action management including system and business process changes.
• As part of the role, individual will get opportunities to learn and master data skills (governance, analytics, modelling, architecture) and develop domain knowledge on Bank products, credit risk management, model risk Management and etc. This is best suited for candidates aspiring to hone their data skills and become data experts to drive large scale data driven transformation projects in banking domain or other industries.

Strategy

• Support the strategy of Risk function with Business strategy by delivering risk information and analytics capabilities to support Risk Management for Retail & Business Banking segments
• Support senior management in portfolio shaping and portfolio credit concentration risk management, including trend and emerging risk profile analysis
• Support and participate in project Rubik and working with Rubik countries\xe2\x80\x99 risk teams to coordinate future regulatory reporting requirements.

Business

• Aligning risk management approaches/polices across all business unit line in accordance to the Group Risk appetite and regulations.
• Embrace new tools/technology to enhance analytics capability and effectiveness.
• Maintain and develop risk capabilities and skills to meet ongoing business needs and plans.

Processes

• Responsible for timely submission and accuracy of regulatory reports.
• Work with Central Finance, Policy, Collections and other related business units to review and ensure regulatory reporting standards are up to date.
• Ensure appropriate governance control is in place along with relevant DOI and process documents.
• Awareness and understanding of the key risks facing country/region/group and to the function
• Active involvement in Risk Management, both reputational and operational to ensure they are proactively identified and mitigated, and all issues are reported/escalated in a stipulated timeline

People & Talent

• Lead by example, fostering a culture of accuracy, consistency, and regulatory compliance within the data management team.
• Set clear expectations and establish a positive working environment. Develop and implement a robust training program to upskill team members in data management competencies. Ensure succession planning and capacity planning are in place.

Risk Management

• Ensure all Regulatory and Group Reporting are submitted accurately within timelines.
• Ensure generation all appropriate MIS accurately and within timelines to support the activities: monitoring credit quality, early identification of problem areas. Support data for portfolio management actions.
• Ensure that relevant local regulatory requirements, Group and Business policies are effectively embedded within business unit. Facilitate the implementation of Control Sample Test (CST), RCSA and RRA for compliance and operational risk management.
• Participate in BCP plans and ensure these are tested at the requisite periodicity.

Governance

• Awareness and understanding of the local regulatory framework and the regulatory requirements and expectations relevant to the function.
• Establish, implement, and oversee robust governance structures for data management, ensuring full compliance with both internal Group policies and external regulatory requirements.
• Keep abreast of changes in governance, oversight, and controls related to data management and swiftly implement necessary adjustments

Regulatory & Business Conduct

• Display exemplary conduct and live by the

. * 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.
• Support the team to achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles.

Key stakeholders

• Serve as the main liaison for the Reporting Team, the Head of Risk Management in Credit Risk and other key stakeholders, ensuring transparency and communication regarding data accuracy standards and protocols.
• Cultivate and maintain strong relationships with these stakeholders, working collaboratively to achieve shared objectives and resolve any issues promptly while supporting the CPBB Credit Risk agenda.

Our Ideal Candidate

• 2+ years of experience in non-regulatory/regulatory risk reporting, credit data management, credit reporting, and risk management, ideally within a large financial institution
• Technical Skills: Candidate should have expertise in understanding and interpreting complex credit data. They should also be familiar with advanced analytics techniques and the tools necessary for these tasks, such as SAS, SQL, Python, or other data analysis software.
• Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework, ensure all regulatory reporting are completed timely and accurately, in which the firm operates, and the regulatory requirements and expectations relevant to the role.
• Strategic Thinking: The ideal candidate should demonstrate a strategic mindset. They should be capable of understanding the big picture, making connections between disparate pieces of information, and guiding decision-making based on these insights.
• Problem-solving Skills: They should have strong problem-solving capabilities and be adept at identifying, analysing, and addressing challenges in a systematic and effective manner

Role Specific Technical Competencies

• Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role
• Risk Analytic: Strong working knowledge and understanding of risk analytics including scorecards, Basel, stress testing and scenario planning.
• Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control
• Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role
• Non-technical Skills: Significant relationship management experience \xe2\x80\x93 with external stakeholders at the most senior levels, including regulators and rating agencies.
• Operation knowledge: Good background of compliance, policies, collection and credit initiation functions
• Technical Skills: Good problem solving skills with ability to make independent decisions and up hold their decisions despite pressure from other stakeholders
• Personality: Ability to withstand stress and work on multiple tasks and priorities simultaneously
• SAS / Programming tools
• Microsoft skill (Excel, Power point, etc.)

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 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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