Role Summary

This role serves as the Second Line Risk Control Owner for Credit Risk, including oversight of associated prudential regulations and external regulatory requirements. The incumbent is accountable for establishing and maintaining the credit risk management framework, including risk appetite, risk tolerances, policies, and control standards, while exercising delegated authorities and providing the expertise necessary to effectively manage these risks.

The role is also responsible for ensuring robust assurance, governance, and reporting mechanisms are in place; overseeing the design and effectiveness of risk controls; monitoring compliance with Board-approved risk tolerances; and escalating material control deficiencies or breaches to the appropriate management and risk governance forums. In addition, the role plays a critical leadership function in fostering a solid culture of good conduct across the organisation and holds final credit approval authority for Wholesale Lending facilities. While responsible for credit decision-making, accountability for the completeness,



accuracy, and quality of business credit applications, including the capture of information required for credit risk assessment and measurement, remains with the relevant Business CEOs.

Role Responsibilities

Lead Credit Risk Strategy & Portfolio Stewardship by shaping risk frameworks, credit portfolio standards, and risk appetite aligned to business growth objectives while providing strategic insight through cost, impairment, and macroeconomic risk forecasting.
Serve as the Senior Credit Risk Authority with responsibility for exercising delegated credit approval authority, safeguarding the integrity of risk-return decisions, and providing independent challenge to business proposals and risk-taking activities.
Oversee Wholesale Banking Credit Risk across Local Corporates, Global Subsidiaries, and Corporate & Investment Banking portfolios, ensuring robust risk governance, portfolio quali

📌 Senior Credit Officer (Bengaluru)
🏢 Standard Chartered India
📍 Bengaluru