Job Summary

This position is for an Associate Director (WRB) with experience in areas of Credit Risk Scorecards and Credit Risk Strategy (cut-off analysis, line assignment et. al) for retail banking / small business lending businesses.  The individual will drive delivery (2-3 engagements at any given time) of both Credit Risk Scorecards and associated Credit Risk Strategies (as well as other risk analytics) for all Retail and SME portfolios of Standard Chartered Bank. The individual is expected to be hands-on at all times. 
Responsibilities include understanding Standard Chartered Group requirements and working with the team in developing statistically derived predictive models, performing decision tree-based customer segmentation and profiling analyses, assisting business implementation of sophisticated risk models and providing analytic support to Standard Chartered Businesses across the globe. The individual is expected to drive timely delivery with assigned resources on an engagement, while ensuring compliance to prevailing / applicable standards / legislation / policies

Key Responsibilities

Strategy

• Strategic mindset 

Business

• Retail Business Understanding

Processes

• Process improvement

People & Talent 

• People manager
• Lead through example. Set clear expectations from the teams and work in collaboration with all relevant partners.
• Set and monitor objectives for team members and provide feedback

Risk Management

• Manages risk 

Governance 

• Adhere to governance 

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.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] 
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Unsecured and Secured Risk and Business Heads of Countries
• Head of Scorecards
• Group Model Validation
• Model Risk Policy and Governance
• Model Delivery Management

Skills and Experience

• Credit Risk Modelling
• Leading and owning 1-2 engagements at any given time
• Ability to explain modelling outputs and inferences to Senior Stakeholder in non-technical manner
• Need of getting involved in on-the-ground and data activities
• Analytical / Strategic / Conceptual thinking
• Attention to detail
• Problem solving
• Highly motivated, organized and methodical

Qualifications

• Bachelors / Advanced (Masters or higher) degree in Statistics, Applied Mathematics, Operations Research, Economics, Engineering, MBA or other quantitative discipline
• At least 4 years of total experience in a retail banking / small business lending analytical function.
• Hands-on experience of 4 – 6 years, in the past in statistical modeling, mining data and understanding data patterns is an absolute necessary to lead engagements. 
• Past exposure to statistical programming skills in SAS (preferred) or similar tools
• Experience in directly interacting with Business and exposure to international markets will be a plus

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.