Job Summary

• Drive implementation of Credit Transformation initiatives for Trade & Working Capital (TWC) business within SME Banking
• Develop / manage transformation roadmap for identified capabilities within the end-to-end credit journey comprising credit origination, monitoring and fulfilment
• Define, drive and track relevant success metrics
• Design and implement a change management strategy

Key Responsibilities

Strategy

• Collaborate with SME, Risk and Operations teams to identify opportunities to streamline and accelerate credit journey through digitisation and automation of credit assessment and monitoring activities 
• Help to benchmark SME credit origination and monitoring capabilities with industry best practices / tools, identify key trends and incorporate into SME roadmap 

Processes / Execution & Project Management 

• Able to work in Enterprise agile environment and guide the squad to deliver on agreed priorities
• Work with cross functional Group, regional and country teams to identify use cases for digitisation / automation of credit journey. Execute those use cases with help of Agile Squad. 
• Creating and maintaining a prioritised Product Backlog, ensuring it is visible, transparent and clear 
• Clearly communicating priorities, objectives/goals, mission and acceptance criteria to the Agile Delivery Team 
• Ensure country SME teams are suitably engaged throughout the change delivery lifecycle  
• Work with vendors, Professional services consultant, and cross functional teams to design, implement capability
• Validate deliveries through success metrics, after deployment to ensure they meet all operational and business requirements and drive maintenance and problem resolution, as required
• People & Talent
• Nurture a network of country champions for effective implementation of credit journey digitisation. Share best practices across country teams.

Risk Management

• Ensure change risk is duly assessed and managed, in line with the Bank’s Enterprise Risk Management Framework 

Governance

• Facilitate the oversight of funded initiatives through appropriate governance and oversight forums. Ensure timely escalation of emerging risks and issues associated with change initiatives and agree appropriate mitigation. 

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 SMECredit Transformation agenda 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

• Global Head of SME Banking
• Global Product / Segments Heads – SME Banking 
• Country Heads of SME Banking
• Technology 
• Compliance, Operational Risk, CFCC (Conduct, Financial Crime & Compliance), Credit Risk, Supply Chain Management, Global Infrastructure Services 

Other Responsibilities

• Embed Here for Good and the Group’s brand and values in the business
• Perform other responsibilities assigned under Group, Region, Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviours to drive overall business growth

Skills and Experience

• Understanding of SME/Commercial Banking client segment
• Project Management     
• Experience with Credit Risk Management & Analytics Tools     
• Appreciation of regulatory and competitive landscape in SME key markets    

Qualifications

• Strong understanding of Business / SME Banking and credit risk management practices in this segment
• Experience of driving credit transformation initiatives
• Exposure to credit tools / platforms
• Bachelors / Master’s degree holder. Relevant experience of 8+ years.
• Strong communication, interpersonal and stakeholder management skills
• Good knowledge of Confluence and JIRA to conduct above activities in enterprise agile environment
• Highly effective in a large virtual cross functional team aligning to/and multiple business and IT partners across different markets

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.