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Job Summary

Overview
• Actively managing the Bank's credit portfolio to maximise risk-adjusted returns for sustainable Group RoTE outcomes through better origination discipline, portfolio optimisation, modelling, early identification and action of stressed assets and distribution. Driving balance sheet optimisation and resilience through improving the inter-operability of key subsidiaries, reducing Cost of Funds (CoF) and improving quality and resilience of liabilities by monetising illiquid CIB loans to create medium term secured and contingent funding options that could even be used to raise funds in stress.

Credit & Portfolio Management (CPM)
Analytics
• We do CPM Analytics activities which involve RWA Variance analysis, Account Plan Tracking, CPM MI packs and OBL MI packs. The activities include the production and distribution of RWA Variance reports for CIB, analyzing RWA movements and engaging with GAM's directly on the reason for the Variance.
• Delivers insightful analytics which provide transparency and accountability to facilitate fully informed decisions with the ultimate goal of maximising client revenues and returns.

Distribution:
• CPM Distribution is part of Credit & Portfolio Management. CPM Distribution co-ordinates loan sales in the secondary market to generate liquidity, obtain RWA relief, and offload risk at minimum cost under the guidance of the Origination and Distribution Policy. To facilitate loan sales and other CPM Distribution initiatives,



GBS CPM Team extracts the data on all transferable loans from multiple sources and compiles them in the Loan Database.
• Distribution also runs various programs that help in the bank offloading RWA. The team functionally supports these various programs.

SAG Reporting
• Monthly, Quarterly, Semi-Annual, and Annual performance of Regulatory and non-Regulatory reports.
• Reaching out to in country RM to get clarity / Status of their clients.
• Reaching out the Account manager and Account owners for Clarity on SAG accounts.
• Helping the in-country team to keep track of various access and Client related information for SAG clients in System such as RV2.

Key Responsibilities

Strategy
• Help to ensure appropriate BAU controls being established and deployed effectively in GBS.
• Help to support new Business requests through Product programmes and Country addendums
• Help to look for possibilities of leveraging on synergy within the various processes through automation thereby bringing in improvements.

Business
• Help the team to pursue the strategic intent and agenda for SPM
• Help to improve client experience through more productive and effective processing in tandem with Risk, Client Coverage and Front Office users

Processes
Credit & Portfolio Management (CPM)




• Monthly RWA Hygiene/ ECL Hygiene reports at a regional level
• Monthly RWA Variance report for both CIB and CB and analysing the reason for the RWA movement
• Monthly ECL Variance report for both CIB and CB and Analysis the reason for the ECL Movement
• Development and maintenance of various CPM MI Dashboard like CPM MI, CG Simulation etc.
• Monthly RHCIC packs reporting the entire list of loans monitored by CPM distribution, List of loans on Marketing list, recommended for Sale and Pending marketing.
• Bi-Monthly RWA LSD Pricing update
• Monthly Minimum Retained Uninsured Report, Industry statement, regional portfolio report, GCLO pack, OBL MI packs, CPM MI packs and priority Sale Report to respective CRO.
• Monthly Chakra Reference/RWA save on Chakra Reference report at regional Level and Chakra Reference related activities.
• Maintenance of the Loan Sales database and monthly update of RMI, PMI, SCI, Creditmate and ACBS data
• Drive Capital and Liquidity efficiency through IBSM Deal direction
• Take responsibility for IBSM deal direction and support deal direction process that leverages Group's Balance Sheet capacity as well as Bank's cross border capabilities while meeting regulatory, liquidity and capital requirements.

• Manage deal flow and deal related issues.
• Support the delivery of strategic development for IBSM process.
• Take responsibility for the internal documentation and tools like DOI and DM and ensure that they always remain up-to-date.
• Collaboration with stakeholders
• Work with the business/product teams and IBSM policy in Group Treasury to ensure that t

📌 Associate Manager, GBS CPM (Chennai)
🏢 Standard Chartered Bank
📍 Chennai