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Job Summary

• The Capital Risk Oversight team reports into the Treasury CRO, in Enterprise Risk Management. The team's mandate is to provide assurance to senior management and the Group regulator (Prudential Regulation Authority and Bank of England) on issues that could impact the Group's regulatory capital position in a BAU environment and across the stress continuum. Areas of responsibility span across a variety of different regulatory submissions and touch on all principal risk types.
• The team provides second line review and challenge on all regulatory stress tests and recovery plans across the SC Group and Solo, HK & SG. The team is a dedicated second line function for the development of Treasury risk related Resolvability capabilities and provides holistic oversight across all Resolvability capabilities.
• The team provides ongoing review and challenge for capital planning purposes to ensure that capital metrics are managed within Risk Appetite and that any distribution plans are credible and affordable under plausible downside stress scenarios.

Key Responsibilities

Stress Testing Oversight and Challenge
• Support independent 2LOD oversight of regulatory and internal stress tests, including ICAAP, BCST, RPST, RST, climate stress tests, Management Stress Tests and relevant material legal entity exercises.
• Provide SME reviews on Treasury risk results, including the evolution of income and balance sheet amounts, including the determination of key judgements embedded therein.
• Challenge scenarios,



methodologies, assumptions, judgments, results and management actions, ensuring outcomes appropriately reflect the scenario, risk profile and legal-entity dynamics.
• Provide independent conclusions on capital resilience, recovery capacity and material vulnerabilities, including the adequacy of remediation against regulatory, audit and 2LOD findings.
Stress Testing Analytics
• Provide analytical support to the team in summarising and reviewing the SBAP outputs, model results, overlays, management adjustments and key assumptions.
• Challenge model-use testing, data quality, reconciliations and in-house analytical controls to ensure outputs are complete, reliable and decision-useful.
• Explore automation opportunities in review and challenge of the results and dashboards for management information.
Consolidation of second line Assurance and Governance
• Consolidate input from Treasury Risk and other Risk Framework Owners into an integrated 2LOD assurance view.
• Assess compliance with applicable policies, standards, regulatory requirements, controls, attestations and approved dispensations.
• Produce formal assurance reporting for GRC and BRC, clearly escalating material observations, residual risks and unresolved actions.

Recovery Planning and Management Actions Oversight




• Support independent review and challenge of Recovery Plan Stress Tests, recovery scenarios and the associated management-action framework.
• Assess the credibility, quantification, timing, dependencies and execution constraints of management actions.
• Provide independent conclusions on total recovery capacity and the Group's ability to restore capital and liquidity resilience.
Policy Governance and Risk Frameworks
• Maintain oversight of Treasury Capital Risk policies and supporting governance frameworks.
• Lead policy effectiveness reviews and challenge policy compliance across Treasury risk activities.
• Review horizon scanning of regulatory developments and assess impacts on capital and resolution frameworks.
• Manage policy dispensations, exceptions and remediation activities.
• Ensure policies remain aligned with regulatory expectations and enterprise risk management framework.
Management of Process Universe and Control ownership
• Act as SME for Capital Risk Oversight and stress-testing process architecture within Process Universe and ARIS.
• Define 2LOD processes, responsibilities, handoffs and dependencies, maintaining explicit separation from first-line ownership and specialist validation.
• Drive improvements to process controls, operating models, governance, documentation and management information.

Skills and Experience

Must-have Skills
• Stress Testing and Scenario Analytics
• Risk Analysis and Analytical Support
• Policy Management and Monitoring
Other Skills
• Data Analytics
• Report writing
• Governance, Oversight and Control

📌 Associate Director, Capital Risk Oversight (Bengaluru)
🏢 Standard Chartered Bank
📍 Bengaluru