Job Summary

The person is responsible for working with the Collection Analytics and Strategy teams on analytics and strategy projects, and in doing so manage the risks for various collection portfolios in WRB and support the Country collection leaders and operation teams in meeting their targets.

Key Responsibilities

Risk and Collections Analytics
•    Work with large complex datasets, solve difficult, non-routine analysis issues, applying advanced problem-solving methods as needed.
•    Leverage machine learning, predictive analytics, and CRM tools to identify at-risk customers and prioritize collection efforts and outcomes.
•    Perform deep-dive analytics including causal inference analysis, Pre-Post analysis, Sensitivity analysis, financial projections, and additional ad-hoc exercises to provide holistic recommendations.
•    Employ advanced analytical and statistical techniques to identify trends, issues and opportunities.
•    Develop risk-based segmentation and Risk and Response score models.
•    Collaborate with cross functional stakeholder teams to implement automated follow-up systems and real-time tracking of collections.
•    Lead initiatives to refine existing strategies and develop new approaches to business challenges. Promote a culture of continuous improvement and testing.
•    Define metrics and develop models, iteratively build and prototype dashboards & views to provide insights at scale.
•    Communicate findings, recommendations, and metrics updates to both technical and non-technical internal stakeholders. Drive visibility into portfolio performance, synthesize and present findings at regular reviews.
•    Develop and present insights and strategic recommendations to leadership, influence strategy decisions through data-driven insights.
•    Develop and implement strategies for managing delinquent accounts. 
•    Monitor portfolio performance and provide insights through dashboards, MIS reports. 

Personal Attributes
•    A data driven decision maker, passionate about solving complex problems using analytical solutions. 
•    A self-starter who is motivated to take initiative and thrive in a fast-paced environment. 
•    Drive the 3 key principles of Simplify, Standardise and Automate

Key Performance Metrics 
•    Collection efficiency rate in lower buckets 
•    Reduction in roll-forward rates to higher buckets and normalization
•    Compliance with legal and regulatory standards.

Skills and Experience

Must-have Skills
•    Wealth Management
•    Business Risk Governance
•    Regulatory and Policy Management
Other Skills
•    Analytical Skills
•    Multi-tasking Skills
•    Stakeholder Management
•    SQL and SAS/Python

Motivations

•    Solving complex, high-impact problems: Energised by using analytical thinking to identify the drivers of delinquency, predict customer behaviour and design practical strategies that improve portfolio outcomes. 
•    Creating measurable business value: Motivated by seeing insights translate into higher cure and recovery rates, lower credit losses and more efficient use of collection resources. 
•    Balancing commercial and customer outcomes: Driven by the challenge of developing fair, targeted treatments that support customers in financial difficulty while protecting long-term customer relationships and managing risk. 
•    Continuous learning and innovation: Thrives in a collaborative, data driven environment that encourages experimentation, testing and the use of advanced analytics to improve decisions across markets and portfolios.

Qualifications

•    3+ years of experience in analysing multi-dimensional datasets and creating actionable business solutions.
•    3+ years of experience in Risk and Collections Analytics
•    Knowledge of SAS, SAS E-Miner, Python and SQL
•    Expertise in SQL, Excel and visualization tools such as Tableau, Qlikview. Proficiency in a statistical programming language like Python, SAS or R is preferred.
•    Excellent stakeholder management skills 
•    Strong educational background with a Bachelor’s / Master’s degree in Analytics, Engineering, Computer Science, Economics, Statistics, Mathematics or a related quantitative discipline.  
•    Proficiency in Spoken and written English

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.