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Job Summary

• This is a senior leadership role responsible for independent, technical and forward-looking assessments over the credit quality, risk governance and control workplace 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 clear 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 objective assessment of the Portfolio Risk Profile, Governance and Risk Management Enablers (Skills, Infrastructure, data quality) Business Risk Assessment -
• Portfolio Assessment - assess individual credits and portfolio concentrations from origination, operations, refinancing, restructuring and exit, including risk rating, expected loss, collateral and recovery assumptions.
• Process Assessment - independently assess end-to-end Specialized Finance credit processes and governance against risk appetite, sector standards, Group policies, delegated authorities, regulatory expectations and recognized financing practices.

Key Responsibilities

Strategy
Maintain awareness of the Group's Specialized Finance strategy and assess whether growth priorities, sector and country concentrations, tenor, leverage, distribution assumptions and originate-to-distribute activity remain aligned with approved risk appetite. Specifically the role requires:




• Act as the independent senior authority for Specialized Finance Credit Risk Review, with access to relevant senior management, information and governance forums and the authority to escalate material portfolio, underwriting, risk appetite or control concerns in accordance with the Credit Risk Review mandate.
• Provide forward-looking, evidence-based insights to inform Specialized Finance strategy, sector and country appetite, portfolio limits, growth priorities, capital deployment, hold levels, distribution strategy and risk-mitigation decisions.
• Identify emerging and systemic risks across Specialized Finance sectors, structures and jurisdictions, assess their potential portfolio impact and recommend appropriate strategic responses, including changes to risk appetite, underwriting standards, concentration limits, monitoring intensity or review coverage.
• Assess whether strategic growth objectives remain supportable under downside conditions and whether the balance between risk, return, capital consumption, concentration and distribution is sustainable.
• Provide independent challenge on whether Specialized Finance strategy is being executed within approved risk appetite and whether material deviations, emerging vulnerabilities or unintended portfolio concentrations are identified and addressed promptly.

Business
• Understand the strategic intent and collective agenda for Specialized Finance globally, including the interaction between client strategy, sector franchises, sustainability objectives, capital allocation, hold levels and distribution strategy.
• Maintain deep knowledge of the macroeconomic, sector, commodity, construction, operating, demand, technology, legal, political and

📌 Head, Credit Risk Review, Specialised Finance (Bengaluru)
🏢 Standard Chartered Bank
📍 Bengaluru