JOB SUMMARY

Assistant Manager, Lending Operations is primarily responsible (under supervision of Manager/ Senior Manager/ Unit Head) for Lending account booking & issuance of various types of Retail Products. 
This role involves processing Application processing, Documentation, Credit assessment, and account opening in TP (Transaction Processing) system as core activities among others. Officer is to oversee overall operational efficiency, seamless processing & delivering high quality services along with ensuring control & compliance.

RESPONSIBILITIES

Strategy

To contribute in processing activities of Lending Onboarding Operations in Bangladesh in order to minimise the potential for operational loss and to provide a high-quality product delivery capability to the Personal Loan & Credit Card customer base.  

Business

This role involves processing Application processing, Documentation, Credit assessment, and account opening in TP system as core activities among others. Officer is to oversee overall operational efficiency, seamless processing & delivering high quality services along with ensuring control & compliance.  

Processes

•    Implement policies and procedures for the Country with guidance from Group policies and procedures for Operations, working with different Business and Function stakeholders.
•    Direct and control various aspects of Retail Lending Onboarding Operations in Bangladesh.
•    Ensure operational disciplines such as capacity and risk management are well embedded, measured and tracked.
•    Ensure efficient application processing & fastest issuance of Retail Lending Products.
•    Drive continuous improvements in Productivity and Cost Efficiencies.
•    Administer various Documentation/ Authorization / Verification & sub-activities pertaining to Retail Lending Onboarding

•    Optimize Account Opening processes & subsidiary activities.
•    Work in & administer processing in different surround systems.
•    Ensure compliance with internal and external policies & requirements.
•    Ensure proper functioning of day-to-day controls, periodic monitoring activities and timely resolution of risk issues.
•    Introduce best-practice to standardise and automate as much as possible

People & Talent
•    Create a motivational and investigating  environment for which is conducive to creativity and performance with client centricity in mind.
•    Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.

Risk Management

•    Enhance the control environment to minimise operational risk.

•    Review operational risk reports and initiate and approve action plans. Follow-up on progress/action plans to address operational risks.

•    Ensure operational disciplines such as capacity and risk management are well embedded, measured and tracked.

•    Ensuring implementation of control standards, policies and procedures Operational Risk Framework (ORF).

•    Identify processing risks or inefficiencies and implement appropriate and effective changes.

Review of Operations Risk through:
•    Group Operations Risk Management Guidelines.
•    Key Risk Indicators (KRIs).
•    Key Control Standard (KCS) and Standard Models.
•    Group Manuals and DOIs.
•    Effective management of respective Operations risks including reporting high or very high rated risks based on Group materiality thresholds to the relevant Operational Risk Committees.
•    Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
•    Ensure all necessary external legal and regulatory controls are in place from initial migration through service provisioning for Retail Lending Onboarding Operations. 

Governance

•    Support Unit Head and Team members to implement group policies and procedures in the country.
•    Ensure compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws and anti-money laundering regulations and guidelines.
•    Establish and maintain rigor in monitoring performance against budgets.
•    Balance business performance delivery and cost management with risk and control matters to ensure that it does not materially threaten the Group/Country, remaining within risk appetite.
•    Retail Lending Onboarding Operations in respective Operations Risk Committee meetings.
•    Ensure adequate oversight is given to acquisition and integration activities.
•    Ensure a clear strategy is devised to achieve the fair dealing and fair accountability outcomes which are clearly communicated to all Retail Lending Onboarding Operations staff.

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.
•    Manage the Bangladesh / Wealth and Retail Banking (WRB) / Operations/Lending Ops 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

•    Credit Risk Management
•    Credit Card Product
•    Employee Banking Business
•    Client Acquisition & Relationships
•    IT

Other Responsibilities
•    Embed Here for good and Group’s brand and values.
•    Perform other responsibilities assigned under Country, Business or Functional policies and procedures.

Qualifications

•    Recognised university degree preferably in Business / Finance / Accounting / Economics or related disciplines

•    Minimum 3-5 years of relevant working experience
•    Good analytical and mathematical skills
•    Team player with strong written and verbal communication skill

Role Specific Technical Competencies
•    Analytical ability
•    Problem solving skills
•    Interpersonal skills
•    Functional skill of MS Excel
•    Communication Skill
•    Ability to work under pressure
•    Attention to detail

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.