Job Description

The Role Responsibilities
This is a critical role within the Consumer, Private and Business Banking ("CPBB") risk management team, under which the role holder will manage setting and executing the credit risk management strategy for the mortgage and auto loan (secured lending) portfolios across ~25 markets, with a total balance sheet of more than $80bn, in partnership with country, regional and global teams.
Strategy

• Set and implement the credit risk management strategy, within the Group\'s risk management framework, to manage credit risks for the global mortgage and auto loan portfolios (secured lending).
• Provide robust data, analysis and insights to facilitate decision making pertaining to risk appetite, risk parameters and risk policies.
• Anticipate changes in credit conditions and work with respective credit officers in markets to implement effective portfolio actions that mitigate potential risks.
• Proactively manage the portfolio credit risk profile within agreed risk appetite.

Business

• Partner with first line and business team to co-create, contribute and understand the strategic agenda for business, as it related to secured lending.
• Maintain and develop risk capabilities, skills and infrastructure to meet ongoing business needs, with an awareness and understanding of the wider business, economic and market environment in which the Group operates.

Risk Management and Governance

• Work with first line to formulate risk appetite for different products and segments; facilitate development of new credit programmes to deliver scalable lending solutions.
• Maintain all credit risk standards and policies for secured lending and ensure it is aligned to the agreed risk appetite; reflects the key risk characteristics of the portfolio; and enables effective controls.
• Review Credit Approval Documents ("CAD"), credit test proposals, product / programme proposals and policy dispensations to ensure that all risk dynamics are properly addressed and controlled.
• Understand sensitivities to key risk drivers and potential stress impact on the portfolio; monitor external factors, such as state of economy, regulatory environment and other emerging risk trends.

People & Talent

• Lead through example and build the appropriate culture and values within the CPBB Risk function and across the wider organisation.

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Chief Risk Officer (CRO), CPBB
• Regional Chief Credit Officers (CCOs)
• Country Credit Heads (CCHs)
• Group and Country CRM Heads / teams
• Group and Country Collection teams
• Group Risk Reporting, Policy and Governance teams
• Group, Regional and Country Business / Product teams

Our Ideal Candidate

• 12+ years of hands-on experience in Credit Risk Management for various retail lending products
• Strong understanding of Credit Risk concepts, metrics and drivers
• Previous experience in policy formulation, policy framework design is preferred
• Firm grasp on Business and P&L dynamics
• Strong analytical and execution skills
• Capability to work with a diverse group of multi-function and multi-country stakeholders

Role Specific Technical Competencies

• Risk: Retail and Private Banking Credit Risk
• Risk: Business Partnering
• Risk: Manage Change
• Risk: Manage Projects
• Risk: Manage Risk
• Risk: Communication and Influencing Skills

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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