Job Summary

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.

Strategy
•    The mitigation of risk by providing accurate and timely information necessary to support management decisions.
•    Protection of the Bank’s reputation.  Bank’s ability to meet legal and regulatory obligations.  Minimizing risk of Bank being used by money launderers.
•    Ensure compliance with ALL internal policies and regulatory requirements.

Business
•    Ability to formulate and comply with credit criteria.
•    Ability to be highly flexible, adaptable, open-minded, responsive to the behavior of the market.
•    Comprehensive knowledge on basic banking practices, policies and relevant regulatory concerns.

Processes
•    Responsible to manage the generation and delivery of daily / weekly / monthly / quarterly risk Ops reports accurately and timely. 
•    Responsible to ensure that the team delivers reports accurately with adequate checks and controls are done based on the past trends.

Key Responsibilities

People & Talent 
•    Ensuring that the necessary trainings (on-the-job or classroom) are conducted to the team and provide required job knowledge.
•    Ensure quality processing and adherence to all key controls and checks.
•    Responsible for handling all queries relating to the reports produced.

Risk Management
•    Work closely with the country risk teams.
•    Compliance with all relevant policies and procedure, guidelines, rules & regulations

Governance *
•    Proper documentations like EUC, BIA, BCP, BID, Migration Checklists, SLAs, Recharge Documents, DOI, Change Templates etc. needs to be documented appropriately.

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 the [Collections and Recoveries unit 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.
•    [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation].
[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
•    Serve as a Director of the Board of [insert name of entities]
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders
    Group Collections Team 
    Country Collections, Head of Collections, Tele Collections-Head, 
    Country Policy & CRM teams
    Dialer, CACS, Collections MI, Portfolio Monitoring teams in Hub. 

EXTERNAL
    Auditors
    External Collections Agencies / Collections partners / Vendors  

Other Responsibilities*
Embed Here for good and Group’s brand and values in XXXX [country / business unit / team]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); [List all responsibilities associated with the role]

•    Finding actionable insights in portfolios using trend analysis, statistical techniques etc.
•    Accurate and Timely delivery of Collections Analytics dashboard.
•    Enhancement of existing Dashboards and development of new MI as and when needed.
•    Initiate and support Automation & Process optimization initiatives. 
•    Maintain and improve validation framework for error-free delivery of Dashboards.
•    Support team with Adhoc data needs and root cause analysis.
•    Review and commentary on key Collections ops KPIs.
•    E-Learning Modules, particularly the AML E-Learning Course, Credit Practices, Basel 2 and Credit Bureau, as applicable
Protection of the Bank’s reputation.  Bank’s ability to meet legal and regulatory obligations.  Minimizing risk of Bank being used by money launderers.

Skills and Experience

• Strong educational background with a Bachelor’s / Master’s degree in Analytics, Engineering, Computer Science, Economics, Statistics, Mathematics or a related quantitative discipline. 
• 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

Qualifications

• SAS/Python programming
• Experience in SQL with the use of data-warehouse tables and operational data with ability to write/modify SQL queries
• Excellent problem-solving, leadership skills and analysis skills, combined with impeccable business judgment ant the ability to communicate with an executive management team
• Risk models and scorecards development
• Experience with Risk & Collections Analytics
• Influencing Through Expertise
   

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.