Job Summary

Optimization of economic capital to create sustainable value in ME business by crafting and agreeing risk appetite that helps to achieve a desired risk profile from which we can secure relatively better returns than our competition over the longer term.
To ensure that the quality of the client portfolio of Commercial Banking is maintained within acceptable parameters, as defined by ME credit policy and country underwriting standards (CUS), and that the reporting of information relating to that portfolio is timely and accurate.
To instil a robust credit culture by setting the highest standards and demanding that these are maintained by all Business teams in country.
Proactive management of the portfolio credit risk profile within agreed risk appetite. Reducing P&L; volatility by running a largely “surprise free” and well managed ME book.

Strategy





Support the Senior Credit Officer in planning the development of risk parameters for India Medium Enterprise Business according to Risk Appetite and Policy Frameworks and documents in the relevant Portfolio Guidelines/Risk Appetite Mandates.
Support the Senior Credit Officer in the development of business plans with the provision of cost and impairment forecasts and a balanced judgment on the external environment.

Business

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 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.

Key Responsibilities

Credit Processes

Ensuring that the quality of Limit Applications (BCAs) meets Group s

📌 Senior Credit Manager (India)
🏢 Standard Chartered India
📍 India