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Job Summary

SCM: Second line of defence responsibilities to support the SCO for CIB portfolio Global as part of the Global Risk Services Organization out of Bengaluru. Initially it will cover geographies including UK/Europe, Singapore, Hong Kong, UAE and India. This involves oversight and challenge of risk management actions from the First Line, including the following:
• For Credit risk, provide independent oversight and challenge of all credit origination activities and recommend credit risk exposures proposed by the First Line of Defence based on delegated authorities. Responsible for ensuring that the quality of the portfolio is being maintained within acceptable parameters and for escalating significant risks and issues to the senior Management and senior risk committees as appropriate
• While the roles and responsibilities will be also defined by the SLA signed between GRS and the respective geographies, the spirit of the role of being a recommending credit risk officer is covered in the job description.

Key Responsibilities

Strategy
• Aligning with Group's Business Strategy with the provision of cost and impairment forecasts and a balanced judgement on the external environment.
• Provide proactive and holistic risk management through identification of emerging risks in the portfolio and assist the SCO/CCO to keep the portfolio in positive shape and ensure appropriate risk culture and discipline.

Business
• Communicate the strategic intent and collective agenda for the Risk Function.




• Maintain and develop the Function's risk capabilities, and skills to meet ongoing business needs and plans.
• Identify measures and monitor material risk affecting the portfolio in the context of the external market environment.

Processes
• Responsible for assisting SCO and along with business units, delivering targeted revenue.
• Supervise all the relevant credit and monitoring processes for the portfolio handled.
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
• Continuously improve the operational efficiency and effectiveness of the Function's risk management processes.

People & Talent
• Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits.
• Ensure the provision of ongoing training and development of the Function's people Lead through example and build the appropriate culture and values within the business and across the wider organisation.
• Effective team-work and shared goals between the various units in Client Relationship and the rest the Bank.
• Help coaching the junior credit managers, with an aim to nurture the next generation of senior credit managers (if applicable).

Risk Management




• Ensuring that the quality of Group Mandates, Business Credit Applications (BCAs) and other credit submissions meet Group standards, particularly with regards to the completeness and depth of risk analysis.
• Ensuring adherence to Country Portfolio Guidelines and Local Lending Policy (from credit risk perspective)
• Ensuring that Credit Policy breaches are identified, recorded and approved as per approval authority matrix.
• Ensuring credit related issues are raised in a timely manner to Senior Credit Officer with all necessary suggestions for rectifications.
• Assisting Senior Credit Officer on timely submission of portfolio reviews and ensure accuracy of the Portfolio data as and when required. Ensure EAR process is adhered to and take an active part in the monthly EAR discussions. Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist Stressed Assets Group & Stressed Assets Risk, where appropriate, in managing accounts to maximise recoveries and minimise losses.
• Ensure compliance to the Operational Risk framework including the effective application of risk toolkit (self-assessments, KRIs, KCSs, etc) and reporting.
• Initiate or assist stress tests as required by internal and external factors and review results and assess their implications.
• Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy.
• Direct appropriate response to material events or other risk issues that come to the SCO's attention.
• Exercise risk control

📌 Senior Manager (Bengaluru)
🏢 Standard Chartered Bank
📍 Bengaluru