Job Summary
• Responsible for designing and implementing seamless product frameworks to scale the solutions for Medium Enterprises globally
• Responsible for managing global TWC portfolio performance, governance and reporting.
• Responsible for managing performance of credit analyst organization and streamlining structure, process, roles and capabilities to optimize on quality and efficiency of ME credit approvals in ASA markets
• Collaborate with Tech delivery, Credit risk, Fraud risk and Operations team to enhance the capabilities for efficient Client Relationship Management (CRM), Portfolio Monitoring and Management.
• Collaborate closely with SME heads, Product Heads, Credit Risk, Operations, Stressed asset team and Learning team to manage training needs of frontline staff.
Strategy
• Ensure that lending solutions in ME Markets are relevant in the market and aligned to the Group SME strategy
• Benchmark our ME proposition against client needs and competition offerings, especially in key markets, to identify gaps and opportunities
• Provide data driven analytics & insights to drive strategic discussions at the SME Management Team
• As Head of CA team ASA, provide leadership reinforcing commitment to CA structure and strong business focus. Provide oversight into the quality of credit analysis performed within the team. Be a mentor to the team, guiding them on career planning and progression and building a highly motivated team.
Business
• To partner both Coverage and Risk in ME Markets, supporting the former in developing and executing their client strategies and both teams in respect of credit analysis-relevant matters.
• Assess the effectiveness of product framework and ensure they are fit for growth
• Creating product and policy mix driven by client needs to offer seamless and easy solutions
• Work closely with the country product and segment heads to deliver comprehensive solutions for trade, forex and Wealth needs
Key Responsibilities
Processes
• Ensure that the approval, fulfillment and transaction processes are simple and streamlined and to client needs and calibrated to the risks involved.
• Develop a regular operating rhythm with stakeholders and appropriate governance framework to ensure that the portfolio shape and quality is in line with the strategy
• To provide insightful, relevant, succinct and timely credit analysis of a portfolio of SCB’s clients (current or prospective
• Analysis to provide a forward-looking view of the likely business and financial risks and potential mitigations. It should provide holistic counterparty assessment on structural elements relevant to SCB exposure and while it should be granular, opinion needs to be in succinct manner for presentation.
• Overall accountability for consistency and coherence of the complete BCA submitted to Risk will rest with Credit Analysis team
• Help group teams in driving the adoption and usage of digital capabilities
People & Talent
• Participate actively in shaping the SME Learning agenda for SME frontline especially the ME RMs
• Develop strong credit analyst capabilities for effective 1st line of defense and business enablement
• Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
• Share best practices and lessons learnt to build institutional capabilities for scaling the business
Risk Management
• Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
• Ensure infrastructure, processes, policies and control framework for SME Banking business is designed to appropriately and adequately manage the inherent risks in the product, keeping in mind that risk has multiple facets and goes beyond credit risk (e.g. operational risk, fraud risk, counterparty risk etc.)
• Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as
through proactive and considered discussion of key risk aspects
Governance
• Ensure that the overall risk and control framework in SME for is fit-for-purpose and working well within the risk appetite
• Understand the regulatory and legal framework governing products in markets
• Engage and present to Product Governance Committee and other relevant forums such as Risk Committee and other forums/committees as and when required
• Manage the credit change process globally across teams when credit policy changes are enacted, analyse gaps and propose solutions that optimize execution.
• Coordinate regional / global efforts to ensure compliance with BCA renewal policies, CaRT and other credit administration processes.
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
• Market Heads of SME Banking
• Global Head of SME Risk
• Product/segment Heads in markets
• Stressed Asset/ Collection teams
• Learning and Development teams
• Data, Digital and Analytics teams
• Legal, Audit and Compliance, where relevant
Other Responsibilities
• Embed Here for Good and the Group’s brand and values in the business
• Perform other responsibilities assigned under Group, Region, Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviours to drive overall business growth
Our Ideal Candidate
• 15+ years of lending experience in Commercial or SME banking
• Deep understanding of Trade and Working Capital products in a Product Management, Relationship management, Credit Risk or Stressed Asset Management role
• Strong analytical and problem-solving skills
• Proven ability to effectively collaborate with a wide range of stakeholders
• Proactive and positive with the ability to use independent judgement and make sound decisions
• Excellent written & oral communication skills
Role Specific Technical Competencies
• Deep understanding of Trade and Working products
• Risk mindset with an understanding of the Enterprise Risk Management Framework
• Exposure to SME/mid-market clients and their unique requirements is desirable, but not mandatory
• Appreciation for market specific nuances
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
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
