(JIB782) - Manager - Credit, Secured Lending

(JIB782) - Manager - Credit, Secured Lending

13 Nov
|
Standard Chartered Bank Ltd
|
Pune Division

13 Nov

Standard Chartered Bank Ltd

Pune Division

Job Description



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





Strategy





Provide inputs in shaping the Retail Risk Operations strategic direction

Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative



Business



Optimise operating efficiency while balancing the effectiveness of decision making within the Retail Risk Operations 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 credit origination decisions are executed in line with the delegated authority 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 Retail Risk Operations 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



Support the identification, engagement and retention of high quality CI professionals within the country.

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.

Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.



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 Credit Initiation 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 Credit Initiation team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.

Embed the Groups 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.



Key Stakeholders



Internal stakeholders Country Retail Risk 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 Unit





External stakeholders Auditors and Regulators

Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks

Suppliers, vendors and consultants





Our Ideal Candidate



Business Strategy and Model: Good working knowledge of Standard Chartered's Retail Clients business and that of peers in the industry

Non-technical Skills: Strong written / oral communication and influencing skills. Ability to create effective work relationships within and across functions & borders

Risk Management and Control: Good working knowledge of Standard Chartered's approach to risk management, specifically as applicable to Retail Risk Operations

Governance, Oversight and Controls: Strong leadership capabilities and management skills, with the ability to deliver effective controls within Retail Risk Operations through both directly-managed and virtual team

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 of Head, Credit Initiation





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.

The original job offer can be found in Kit Job:
https://www.kitjob.in/job/19936215/jib782-manager-credit-secured-lending-pune-division/?utm_source=html

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