Job Summary

The AI Project Lead for Collections AI/ML Model Development will oversee the design, development, deployment, and improvement of machine learning models for collections strategy. This role integrates data science, risk strategy, technology, and operations to create efficient, scalable solutions that enhance recovery and customer outcomes. The individual will ensure AI governance, model transparency, and ethical AI use according to regulatory standards

Strategy*

1. Define the AI/ML strategy for collections, aligning with broader business goals, risk appetite, and digital transformation agendas.
2. Identify high-impact use cases in the collections value chain (e.g., contact prioritization, propensity-to-pay, treatment optimization).
3. Create a roadmap for model development, deployment, monitoring, and refresh cycles.
4. Explore opportunities for generative AI, NLP, and real-time decision engines to enhance customer engagement and outcomes.

Business*

1. Collaborate with business stakeholders to translate collections challenges into AI use cases with measurable ROI.
2. Lead value assessment and benefit realization from AI model deployment in collections (e.g., recovery uplift, cost reduction, CX improvements).
3. Interface with product, technology, and risk teams to ensure successful integration of models into business systems and workflows.
4. Track model-driven outcomes to guide future business strategy refinement and prioritization.

Key Responsibilities

Processes*

1. Oversee data sourcing, feature engineering, model selection, training, validation, and deployment processes.
2. Ensure that model development adheres to reproducibility, scalability, and explainability standards.
3. Manage model performance monitoring, stability tracking, and continuous tuning processes post-deployment
   

   People & Talent*

   1. Lead a multidisciplinary team of data scientists, data engineers, and model validators.
   2. Build AI/ML capability within the broader collections team through knowledge sharing, training, and cross-functional collaboration.
   3. Foster a culture of experimentation, accountability, and innovation in AI model development.

   Risk Management*

   1. Ensure models are developed with strong controls around bias, fairness, and compliance with applicable risk policies.
   2. Work closely with risk teams to align model outcomes with credit and operational risk tolerance.
   3. Conduct model validation, scenario testing, and stress testing in partnership with risk governance teams.
   4. Mitigate risks related to data quality, model drift, and unintended consequences of automated decisions.

Skills and Experience

Governance*

1. Define and maintain documentation, model governance frameworks, and audit trails for AI/ML models.
2. Ensure compliance with internal model risk management standards and external regulatory requirements
3. Participate in model review committees and provide transparent reporting on model performance and risks.
4. Collaborate with compliance and legal to ensure ethical AI use, especially in sensitive customer interactions

Key stakeholders*

Collections Head/ Regional Heads

Credit Risk Management team

Product Team

Risk Operations

Collection Centre of Excellence

Finance

Supply Chain Management

Legal and CFC

Certifications in AI/ML, Data engineering are a plus

Competencies

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers