Creating a better online experience with cookies We care about your experience online that s why we use cookies to make sure our website runs smoothly while personalising your visit for your ease of use and convenience To choose what cookies you want to accept select Manage cookies To accept all cookies for the best possible experience select Accept all If you d like to learn more about how we use cookies and to manage your selection visit our Manage Cookies Reject All Accept All Search Jobs Job Details Credit Analyst Team Leader - SME ME Requisition Number 42521 Job Location Mumbai IND Work Type Employment Type Posting Start Date 28 11 2025 Posting End Date 06 12 2025 Job Summary Monitor portfolio quality and facilitate smooth functioning of business with risk Ensure timely login Co-ordinate for timely approvals Train analysts on due diligence Ensure adequate BCA quality Compliance of regulatory and governance requirements Manage portfolio quality through timely completion of QPR CART Valuations UFCE undertakings etc Key Responsibilities Credit Process Ensuring that the quality of Limit Applications BCAs meets Group standards particularly with regards to the completeness and depth of risk analysis Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority where appropriate Highlighting Approving breaches of applicable Risk Authorities Policy and Local Lending Policy Undertake regular customer visits to better understand the business setting Maintain Turn-around Time of BCA approvals Portfolio Management Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted approved Ensure EAR process is adhered to and participate in the monthly EAR ASTAR discussions Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management where appropriate in managing stressed accounts to maximise recoveries and minimise losses Support all portfolio related analysis for various reviews initiated within outside the country Business Contribution Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk reward relationships Maintaining credit quality and standards of professionalism for the risk function Ensure effective implementation of Group Policies Circulars Procedures Participate actively in any group initiative to improve systems and processes Regularly attending and making meaningful contribution to the Regional Credit Issues Forum Stakeholder Management Actively engage all stakeholders eg Business partners to raise their awareness of credit issues and how these are managed by the Credit Risk function Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner especially when turning down proposals Operational Risk Management Assurance ORMA Ensure compliance to the ORMA framework self-assessments KRIs KCSs etc and reporting Ensure full awareness of all the policies procedures issued in relation to money laundering prevention Ensure compliance with these policies procedures on an ongoing basis and immediately report any deviations to the Supervisor Others Live by values and brand promise Here for Good People and Talent Managing a Team of 24 Credit Analysts and work closely with them which enables monitoring of portfolio quality Lead through talent and build the culture and values Ensure ongoing training and development Employ engage and retain high quality talent Risk Management Monitor all major risk issues and concentrations Where appropriate direct remedial action and or ensure adequate reporting to Risk Committees Governance Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business 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 work to achieve the outcomes set out in the Bank s Conduct Principles Fair Outcomes for Clients Effective Financial Markets Financial Crime Compliance The Right Environment Effectively and collaboratively identify escalate mitigate and resolve risk conduct and compliance matters Key Stakeholders Internal Risk CRC Audit External As and when necessary Qualifications Substantial experience in the banking industry including demonstrated success in a similar role Must possess sharp business acumen including ability to assess risk and appropriate levels of return excellent interpersonal skills and multi-cultural awareness and sensitivity Ability to work with geographically dispersed and highly varied stakeholders At least 10 to 15 years of relevant experience in lending to SME s Mid Corporates preferably in West Skills and Experience Risk Understanding Relationship skills Negotiation skills Stakeholder Management 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 Information at a Glance Standard Chartered 2025 All rights reserved x Cookie preferences Tell us which cookie categories you consent to by using the sliders below You can change your preferences any time by clicking on Manage cookies on our homepage Stricly necessary cookies always active Your security and privacy are our top priority that s why these cookies are always on to ensure the safest and smoothest online experience Show More Details Stricly necessary cookies always active Provider Description Enabled SAP as service provider We use the following session cookies which are all required to enable the website to function route is used for session stickiness careerSiteCompanyId is used to send the request to the correct data centre JSESSIONID is placed on the visitor s device during the session so the server can identify the visitor Load balancer cookie actual cookie name may vary prevents a visitor from bouncing from one instance to another Functional Cookies For your ease of use and convenience these cookies remember the choices you made e g language and region and personalise our website to make it most relevant for you Show More Details Functional Cookies Provider Description Enabled YouTube YouTube is a video-sharing service where users can create their own profile upload videos watch like and comment on videos Opting out of YouTube cookies will disable your ability to watch or interact with YouTube videos Advertising Cookies To make sure we only send what s most relevant to your needs these cookies help us and our partners understand what matters most to you The data collected can be shared with third parties such as advertisers or platforms to create an ecosystem that is always relevant to you Show More Details Advertising Cookies Provider Description Enabled LinkedIn LinkedIn is an employment-oriented social networking service We use the Apply with LinkedIn feature to allow you to apply for jobs using your LinkedIn profile Opting out of LinkedIn cookies will disable your ability to use Apply with LinkedIn Google Analytics Google Analytics is a web analytics service offered by Google that tracks and reports website traffic Google Tag Manager Google Tag Manager is a tag management system for conversion tracking site analytics remarketing and more

📌 Credit Analyst Team Leader - Sme Me (Mumbai)
🏢 Standard Chartered
📍 Mumbai