RESPONSIBILITIES
•    Non-regulated role. Responsible to assist in risk management of Retail Products by providing meaningful information on external and internal drivers, key portfolio highlights, performance and trend

Strategy

•    Ensure compliance of Group Policy, Underwriting Standards and Business strategy for the portfolio. Credit underwriting and maintain superior portfolio quality

•    Initiate, introduce to ways to minimize operational cost of the unit and department as a whole.

•    To assist in risk management of Retail Products by providing meaningful information on external and internal drivers, key portfolio highlights, performance and trends.

Business

•    Support the Manager WRB Clients in managing an optimum balance between supporting business growth and maintaining high quality assets portfolio.

•    Actively involved in cross- product learning and share expertise on WM Lending trainings with underwriters/Bussnies.

•    Continuously improve the way we work by driving cost effectiveness and automation of credit processes while ensuring high quality of deliverables.

Processes

•    Review/underwrite WRB products applications for Wealth Management Clients to meeting local / group standards in a timely manner as per credit delegated authority and support applications, which require approval above own discretion within agreed time frames.

•    Effectively manage the MIS & reporting responsibility through
•    Effective data management and infrastructure maintenance, including effective processes for validation of data and accuracy of reports generated.
•    Ensuring completeness and timeliness of MIS being reported to in-country teams, Group Risk, Business finance and all other internal stakeholders.
•    Ensuring completeness and timeliness of MIS being reported to external stakeholders including Auditors and regulators.
•    Ensuring optimization through centralization, off-shoring and use of automation in generating standardized decks.

People and Talent 

•    Knowledge in areas related to WM Lending and an understanding of Retail Banking products, procedures, and credit policies,
•    Training methodology and practice.
•    Sound knowledge of country information/ key statistics and be able to collate and apply data

Risk Management

•    Thorough knowledge in areas related to Secured Lending and an understanding of Wealth Management products, procedures and credit policies.
•    Timely and accurate output/service to support good portfolio growth and optimized risk return decisions
•    To assist in risk management of Retail Products by providing meaningful information on external and internal drivers, key portfolio highlights, performance and trends.

Governance 

•    Pro-active engagement with business for strategy development and with Credit Initiation Unit / Collections for strategy execution/ feedback.
•    Ensure proper functioning of day-to-day controls, periodic monitoring activities and timely resolution of risk issues.

Key Stakeholders

•    Internal Customers - Locally the internal customers would be other departments like Product   Management,   Sales,   CIU,   SME   Credit,   Security  Services,   Collections, Operations and L&C. Also there will be interactions with Portfolio Management Group in Singapore.  Interaction with these departments for joint initiatives and key business deliverables.
•    External Customers - Bank’s/ customers for feedback/complaints, regulators/ group office / auditors for reporting/ discussion/ feedback, etc.

Qualifications

•    Good communication and analytical skills 
•    Should be able to work with different and diverse teams well
•    Time management, ability to priorities tasks and adherence to deadlines.
•    Ability to work under pressure with minimum supervision 
•    Proficiency in MS Office Excel & MS Office Power Point is essential

Role Specific Technical Competencies
•    MS Access
•    MS Excel
•    PowerPoint

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.