Job Summary

Strategy
BAU Role 

Business
RBO
 
Processes
India Loans Process
•    The end to end features and functionality of India Loans product to be known
•    Possesses interpretive knowledge on the domain and works from the operations and technology perspective.
End to end understanding of the process involved including other Units
•    To be able to understand the reason for existence of sub systems and work towards reduction of hands off between Units
•    To be able to assess the duplicate work arounds / layers of checking involved and work towards minimisation of these layers
•    Complete understanding of risk points in the product
•    The risk of not processing the basic transactions on EMI, Tenor, foreclosure / part payment, reversal of service tax transactions etc on time is to be understood and cascaded to the team
•    The segregation of transactions in TP systems which involve EOD batch processing and online processing is to be well understood to know the system functionality
•    Provides guidance and clarification to others on principles & products
•    When there is a change in process advised by Country due to change in Bank policy, Country policy etc., this is to be socialised with the entire team to ensure adherence
•    Explains how principles apply to work activity
•    To be able to interpret the local guidelines and policies and apply to the current process
•    Understands the structure of loans / overdraft and cards and accordingly processes transactions related to the changes required within the prescribed guidelines of the bank

Key Responsibilities

•    Obtains feedback, develops or recommends changes to policies and procedures
•    Is constantly engaged with Country / Technology / various customer touchpoints and recommends changes to processes so that they could be made simple
•    Handles exceptions which are complex, is able to judge to a fair degree the consequences of the exceptions. 
•    To be able to take decisions such that there is a win win situation even in complex situations
•    An awareness of linkages with other products/ process, linkages with various systems, hub resources and country resources.
•    To be able to look at the bigger picture where a complete understanding of the linkage to processes to various products cutting across systems / sub systems is identified to optimise the utilisation of resources
•    Able to relate how each one of it impacts and correlate to each other.
•    Same as above
•    Identify and eliminate process waste (excessive movement & transportation, wait time, defects, underutilized people/resources & non value added processing steps). 

People & Talent
•    Able to plan and assess capacity requirements, and then agree & articulate a recommended capacity plan
•    Measure cycle time for all product processes & their key underlying steps.   
•    Uses tools to report capacity status & issues
•    Identifies critical paths & dependencies clearly
•    Aware of impact of prioritizing work at any given point in time 
•    Exercises capacity planning within immediate area, such as, peaks and troughs in work load, planning leave, seasonal factors
•    Develop volume forecasts at sub-product level. Use these forecasts to optimally deploy the resources. Intra-day volume pattern should be known.

Risk Management
•    Risk understanding – Adequate. Analyses, interprets and monitors operations risk (through reference to key risk indicators) and presents an assessment of the these in an appropriate format 

Governance
•    Responsibilities relating to the direction, planning, structure, frameworks 

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 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.
•    Serve as a Director of the Board 
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders
•    India clients/Country / MIS/ GRU/ Internal and External

Skills and Experience

•    System understanding
•    Microsoft Knowledge
•    Analytical Skills

Qualifications

Experts

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