Job Summary

You will become part of the product chapter and will work as data scientist on CIB Credit Transformation programme; your primary area of focus will be the Credit AI workstream. Credit Transformation is a key strategic agenda for CIB to uplift the core credit platform, drive end-to-end digitization and deliver a fully digitized, data driven Credit Origination model, leveraging internal & external data, and machine learning capabilities.

We are a business-first team with diverse skillset across coverage, risk, product management and technology, who work with frontline and Credit SMEs to find AI and analytics driven solutions to business problems and are ably supported by BAs, ML engineers, developers, MLOps and QA testers from our squads.

The Credit AI workstream is a big part of this agenda, and works to leverage Machine Learning, NLP and visual analytics to deliver products that drive better business outcomes. Some work products delivered by the workstream include Early warning system to identify stress on corporate entities using SOTA ML algorithms and a multi-platform Decision Insights ML product (E2E incl. data ingestion, transformation, prediction, presentation).
Upcoming work involves improving and evolving the Decision Insights model, using power of LLMs to enhance and automate the Credit processes; Adverse media screening and text abstraction/summarization for analyst reports, news articles and qualitative credit application writeups. Creating Intelligent assistant for Credit frontline staff using Gen AI models.

Working with the product manager, BAs and SMEs, you will take new ideas from the pipeline, develop POC solution and then take them to production-ready solutions. You will serve as an data science SME in Credit AI and be hands-on in ideating, developing, evaluating, and deploying AI/ML solutions (feature engineering, model development, evaluation, deployment, documentation, monitoring) to a live serving env.

We are looking to hire both senior and junior candidates for this role; the requirements will be similar, with more extensive experience and leadership/mentoring skills being additionally important for the senior role. 

•    Ideate->Build->Implement->Evolve advance AI and analytics products with relevant stakeholders, including Product Manager, BA, SMEs, Data Engineers, MLEs, MLOps
•    Create ML powered solutions (including Gen AI) that have business outcomes like reduced TAT, Credit process efficiencies, reduced LI for the bank through early warnings on portfolio credit health and better visibility of client profile by understanding their transactional flows and business patterns.
•    Work with UX team and product managers to convert ML results to actionable outcomes. Be able to create simple dashboards for POCs.
•    Develop and implement processes and solutions for model technical and functional performance monitoring, concept and data (covariate, prior probability) drift detection, user feedback-driven model improvements.

•    Be responsible for ensuring adherence of solutions to Responsible AI standards. This includes representing the solution at RAI council, providing any clarifications to local compliance teams, and enabling auditability and replayability of results.
•    Design, develop, and implement generative AI models and algorithms, utilizing state-of-the-art models such as GPTs, LLaMAs, and frameworks in industrial settings.
•    Assess the effectiveness and accuracy of data sources and data gathering techniques.
•    Identify alternate data sources (vendors and open source) with the product manager; work with data org. to onboard and integrate.
•    Present proposals and results in a clear manner backed by data and coupled with actionable conclusions.

Key Responsibilities

Regulatory & Business Conduct

•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

Key stakeholders

•    All business and Credit stakeholders that are impacted or involved with Credit Lifecycle
•    Credit Transformation Programme Manager
•    Credit Transformation team
•    Client Coverage COO
•    T&I
•    Credit Policy
•    Credit Process Owners

Other Responsibilities

•    Leverage the opportunity provided by Corporate Social Responsibility to enhance the Group’s internal and external reputation and indirectly influence the bottom-line.
•    Promote the Group’s brand and Here for good with clients and regulators.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    Maintain effective communication with key stakeholders, including regulators and staff.

Skills and Experience

Artificial Intelligence and Machine Learning 

Understands the concepts and applications of Machine Learning (ML) in the Bank’s and/or clients’ business.
Develops, evaluation, implements and/or applies Machine Learning solutions for the continuous improvement and innovation of the Bank’s and/or clients’ processes, products, and business. Can perform data transformation, feature engineering, picking the right method to evaluate model performance (eg.. RMSE, log loss, accuracy, AU-ROC, P/R), and threshold selection based on desired outcome (eg. Sensitivity vs specificity).
Understands Responsible AI usage guidelines issues by MAS/HKMA/ECB and ensures models built are compliant (fairness, transparency, explainability, data suitability, accountability)

Programming

Proficient and hands-on on SQL, Python and PySpark; working knowledge of HiveQL, SparkML and ML libraries. Good understanding of deep learning and NLP architectures and applicability in Banking domain x
Experience working with both open source as well as vendor platforms like Databricks, , SageMaker, AzureML
Able to create simple interactive dashboard/UI to present model’s output during POC phase
Statistical Analysis
Applies systematic statistical, mathematical, and numerical analyses to interpret complex data sets to derive data-driven measurements and predictions of trends / risks
Data Analysis and Visualisation

Scopes and shapes business problems into feasible and specific data analysis problem statements. Interprets data according to defined requirements to obtain business insights, including the use of statistical and predictive modelling techniques and practices for analysis Communicates data findings and insights through data storytelling to key stakeholders through dynamic visual display of data (i.e., visual illustrations, iconographies, graphs, charts)

NLP/LLM/Gen AI

Develop, implement, and optimize large language models including finetuning using RAG and crediting Agentic AI solution. 
Knowledge of cloud platforms (AWS, GCP, Azure) is a plus

Qualifications

EDUCATION     GRADUATE/ PG / PHD
EXPERIENCE    MIN. 10 YEARS OF WORK EXPERIENCE
TRAINING /CERTIFICATIONS    GEN AI/LLM TRAINING/CERTIFICATION [GOOD TO HAVE]
PUBICATION    AI/ML PUBLICATION [GOOD TO HAVE]

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.