About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities

Execute the Lending and risk operation strategic direction and manage country verification activities and processes effectively and efficiently.

Work with Head Credit Initiation, CCH and other stakeholders in-country for smooth functioning of Credit Initiation processes and activities

Strategy

• Provide inputs in shaping the Lending and risk operation strategic direction
• Work with in-country stakeholders to deliver against the Lending and risk operation strategic initiative

Business

• Optimise operating efficiency while balancing the effectiveness of decision making within the Lending and risk operation function.
  
• Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.

Processes

• Ensure that verifications are executed in line with the process and policy guidelines while adhering to the process standards defined by CCO, Retail Clients.
• Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.
• Leverage and build credit assessment infrastructure capability to optimize process efficiency.
• Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
• Implement the Operational Risk Framework in Lending and risk operation and monitor the operational risk metrics to identify potential control weaknesses.
• Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.

People and Talent

• Lead through example and build the appropriate culture and values within the Credit Initiation team. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.

Risk Management

• Identify and share industry best practices and work with the businesses for their feasibility and implementation.
• Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.
• Ensure all verification policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.

Governance

• Provide oversight on verification team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
• Embed the Group's values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.
• Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.

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.
• Lead the Credit Initiation team to achieve the outcomes set out in the Bank's Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association

Key Stakeholders

• Internal stakeholders
• Country Credit Head
• Country Business Heads and Product Head, Retail Client segment
• In-country governance forums (as may be applicable)
• Country Fraud and Collections Heads
• Relevant members of Risk Operations management team
• Internal IT partners supporting Retail Clients business
• HR & L&TD team
• Operations, L&C and Customer Experience Management Uni
  
• External stakeholders
• Auditors and Regulators
• Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks
• Suppliers, vendors and consultants

Apply now to join the Bank for those with big career ambitions.

To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.

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