Job Summary

The role supports the Global Collections Governance agenda by maintaining effective risk and control oversight, strengthening policy and procedural governance, coordinating assurance and audit activities, improving oversight of issues, actions, regulatory obligations, collector performance and scorecard governance and collection training across markets. The role will partner with global, regional and country Collections teams and relevant Risk, Compliance, Operational Risk and Audit stakeholders to ensure governance routines are disciplined, evidence-based and action-oriented. 

Key Responsibilities

•    Drive effective execution of the Global Collections Policy & Governance agenda across markets, strengthening governance discipline, accountability and oversight. Provide independent challenge and facilitate timely resolution and escalation of material governance matters.

Strategy
•    Support delivery of the Global Collections Governance strategy and annual governance plan, aligned to Collections priorities, risk appetite and Group requirements.
•    Identify opportunities to simplify, standardise and strengthen governance, risk and control practices across markets.
•    Use data, automation and approved AI capabilities to improve governance insight, thematic analysis, action tracking and management reporting, while maintaining appropriate human oversight and confidentiality.

Business
•    Act as a governance partner to Global, Regional and Country Heads of Collections, translating policy, risk and control requirements into practical actions.
•    Prepare clear governance insights, thematic summaries and decision papers for senior management and relevant forums.
•    Build collaborative relationships with Credit Risk, Compliance, Conduct, Operational Risk, Audit, Legal, Technology, Data and country Collections teams.
•    Apply sound business knowledge of the end-to-end Collections and Recoveries lifecycle, including customer segmentation, treatment strategies, delinquency management, restructuring, settlements, recoveries, litigation, repossession and foreclosure, to ensure governance requirements are practical and proportionate. 
•    Understand key Collections performance drivers, customer outcomes, operational processes, system dependencies and third-party delivery models to identify governance implications and support informed management decisions.
•    Support the delivery of strategic Collections projects and transformation initiatives by providing business input, coordinating key stakeholders, and tracking milestones, risks, dependencies and actions. 

Processes
•    Maintain the inventory and lifecycle governance of Collections policies, standards, procedures, guidance documents and key controls, including periodic review and evidence of approval.
•    Review and challenge and have end to end oversight of country exceptions and dispensations, including rationale, approvals, conditions, expiry dates, remediation and closure evidence.
•    Maintain governance calendars, committee materials, minutes, decisions and action logs, with timely escalation of overdue or high-risk items.
•    Support governance of strategic change and third-party arrangements by tracking required approvals, control readiness, risks, dependencies and post-implementation actions.

Risk Management and Controls
•    Support identification, assessment, monitoring and reporting of operational, conduct, regulatory, reputational and customer risks within Collections.
•    Coordinate periodic risk and control assessments, control attestations, key control testing inputs and remediation tracking.
•    Analyse risk events, control failures, breaches, complaints and emerging themes to identify root causes, potential systemic exposure and required management response.
•    Challenge the quality and completeness of management actions and closure evidence before recommending closure.
•    Escalate material risks, control gaps, repeat issues and missed commitments through the appropriate governance channels.

Governance, Assurance and Audit
•    Coordinate internal audit, external audit, compliance review and regulatory assurance requests relevant to Collections, ensuring accurate and timely responses.
•    Maintain a consolidated view of findings, management actions, owners, target dates, dependencies and closure status.
•    Support pre-audit readiness reviews, evidence collation and management validation of responses and remediation plans.
•    Conduct thematic governance reviews across markets to assess consistency of policy implementation, control execution and evidence standards.
•    Prepare governance dashboards covering policy health, exceptions, risk events, control issues, audit findings and overdue actions.

Responsible AI and Data Usage
•    Promote responsible use of approved AI and analytics tools to support governance drafting, summarisation, issue classification, trend analysis and quality checks.
•    Ensure AI-assisted outputs are subject to human review, source validation, confidentiality requirements and applicable data, model, information security and technology controls.
•    Do not introduce unapproved AI tools or use restricted data outside approved environments; escalate potential misuse, data leakage or control concerns promptly.
•    Maintain clear traceability of material AI-assisted governance outputs, including validation performed and decisions taken by accountable colleagues.

People and Talent
•    Build governance capability through guidance, playbooks, training and sharing of good practices across Collections teams.
•    Promote a culture of proactive risk ownership, constructive challenge, accountability and timely escalation.
•    Work effectively across geographies and functions, managing multiple workstreams and competing priorities.

Regulatory and Business Conduct
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct.
•    Take personal responsibility for embedding high standards of ethics and compliance with applicable laws, regulations, guidelines and Group requirements.
•    Identify, escalate, mitigate and resolve risk, conduct and compliance matters effectively and collaboratively.

Skills and Experience

Priority Skills    
•    Risk and Control Management
•    Governance and Policy Management
•    Audit and Assurance Coordination
•    Issue, Action and Exception Management
•    Data Analysis, Reporting and Insight
•    Responsible AI and Data Governance
•    Stakeholder Management and Influencing
•    Written Communication and Executive Reporting

Other Skills    
•    Agile and nimble learning
•    Influencing skill
•    Ability to deliver effectively in a fast-paced and demanding environment
•    Project management skills
•    Eye for details

Qualifications

•    Bachelor’s degree in Business, Finance, Risk Management, Operations, Audit or a related discipline; relevant postgraduate qualification is advantageous.
•    Experience in banking or financial services, preferably within risk, controls, governance, compliance, audit, operations or collections (Key Experience #1)
•    Practical experience in risk and control frameworks, issue and action management, policy governance, assurance reviews or audit coordination.
•    Experience producing senior-management governance reporting and working across multiple countries or functions.
•    Working knowledge of responsible AI usage, data privacy, information security and validation expectations in a controlled environment.
•    Good working knowledge of Collections and Recoveries products, processes, operating models, customer treatment strategies, performance measures and key regulatory or conduct considerations. 
•    Experience supporting projects, transformation or change governance, including risk and issue management, readiness assessment, implementation oversight and post-implementation review. 
•    Practical experience in reviewing data and generating insights to drive and bring in improvements in the processes.
•    Practical experience in driving process improvement and automation to enhance governance efficiency, control effectiveness and operational outcomes.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.