Job Summary

• This is a senior leadership role responsible for independent, technical and forward-looking assessments over the credit quality, risk governance and control setting of the Group’s Specialized Finance portfolios globally.
• The role will exercise independent challenge and escalation authority in accordance with the Credit Risk Review mandate, while preserving transparent separation from first-line credit and business decision-making. The individual is expected to undertake independent reviews that provide insights into actionable strategic and business outcomes. This includes informing decisions on Specialized Finance growth, risk appetite, sector and country concentrations, capital deployment, hold levels and distribution strategy; identifying emerging and systemic risks; influencing improvements to underwriting, structuring and portfolio management; and ensuring that material weaknesses are addressed through timely and sustainable remediation.
• The role provides senior management,



risk committees and relevant regulators with an independent assessment of Specialized Finance underwriting, structuring, portfolio quality, risk appetite alignment, lifecycle monitoring and problem-credit management.
• This will be achieved through Business Credit Application and portfolio reviews covering project finance, sponsor finance, private credit, CRE, infrastructure and power, natural resources, transportation (shipping/aviation), export finance, structured asset finance and other asset-backed or cash-flow-based lending, with principal focus on Credit Risk and its interaction with ESG, climate and country risks.
• Business Risk Assessment - independently assess whether the Specialized Finance strategy, sector appetite, origination model, delegated authorities, specialist capabilities, data and portfolio management arrangements support an appropriate balance of risk and return. Provide independent overview and assurance with regards balancing risk and return through

📌 Head, Credit Risk Review, Specialised Finance Bengaluru
🏢 Standard Chartered India
📍 Bengaluru