Job Description

Role Responsibilities

• Candidate will have the opportunity to work with various parties of the bank including both Standard Chartered country and group products, sales, operation, collection, modelling and governance to support business growth opportunities in Singapore.
• Candidate will have the opportunity to work on bank\'s new product/ service projects through partnership such as Buy Now, Pay Later ("BNPL"). This will cover end-to-end credit cycle review including underwriting, portfolio monitoring and collection management for newly designed financial product.
• Candidate will have the opportunity to work together with bank\'s credit policy manager and analyst for the review of in-production credit policies and its revision.
• Candidate will be able to learn how a Credit Risk Decision Framework is developed, monitored and managed.
• Candidate will be supporting the credit bureau data management operations activities and learn the working mechanism between each financial institution and credit bureau.
• Candidate will be supporting generation and verifications of monthly Credit Bureau upload and performing investigations on customer complaints raised by Credit Bureau or internal department.

Responsibilities

• Support the portfolio management activities such as tracking, monitoring, and analysing the full credit cycle performance and risk tolerance metrics of the Unsecured portfolios.
• Support bank\'s credit testing programs launches through effective management of program risks and profitability.
• Participate in credit decision engine testing and implementations as part of bank initiatives or system enhancements
• Support credit bureau data management activities related to timely submission to Credit Bureau Singapore (CBS), data quality standards and process controls.
• With the use of credit bureau data, support the establishment of a robust credit analytic framework to identify early warning signals, credit risk process inputs and customer segment risk factor(s).

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.

Key stakeholders

• Country Retail Credit
• Group Retail Credit
• Country Retail Product
• GTO

Our Ideal Candidate

• 4+ years of experience in risk policy framework, or governance or portfolio management related role.
• Strong Knowledge on Unsecured products (cards / personal loans)
• Strong analytical skills in resolving operational and systems issues
• Strong knowledge on credit model and statistical tool such as SAS.
• Education:-Bachelor\'s degree and relevant professional qualification
• Sound knowledge of banking practices, relevant legislation, and Statutory and Regulatory requirements.
• Strong presentation and negotiation skills

Role Specific Technical Competencies

• Retail and Private Banking Credit Risk
• Data Science
• Experience working in Unsecured products (cards / personal loans)
• Strong analytical skills in resolving operational and systems issues
• Experience in credit model and statistical tool such as SAS.

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.
Visit our careers website www.sc.com/careers

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