Job Summary

The Analyst, Credit Risk Management for Secured Lending within Wealth and Retail Banking at Standard Chartered is a pivotal role focused on supporting the Credit Risk Management (CRM) Head in managing the credit risk associated with the bank's Mortgage and Wealth Management portfolios. This role is integral to maintaining the financial health and sustainable growth of these portfolios by developing robust risk mitigation strategies, ensuring compliance with regulatory standards, and monitoring portfolio performance metrics critically. The successful candidate will collaborate extensively with Business teams, Credit Underwriters, and relevant stakeholders, facilitating informed decision-making that balances risk with business objectives. This position offers a unique opportunity to contribute to the bank’s strategic objectives while enhancing personal technical and analytical expertise in a dynamic banking environment.

The role demands a comprehensive understanding of credit risk frameworks, regulatory guidelines, and the ability to apply analytical techniques to identify, assess, and address potential credit risks. The Analyst will be instrumental in driving portfolio quality through proactive controls and stress-testing exercises, supporting the bank's mission of delivering sustainable, responsible financial services.

Key Responsibilities

• Develop and oversee the execution of risk management strategies aligned with the Retail banking and Wealth Management vision, ensuring the secured lending portfolio aligns with the broader organizational goals.
• Provide strategic insights and analytics to stakeholders at country, regional, and group levels to support robust risk governance and portfolio planning.
• Conduct comprehensive credit risk assessments of mortgage and wealth management products, incorporating macroeconomic and market trends.
• Monitor portfolio health through systematic analysis of key risk indicators (KRIs), including delinquencies, concentration risks, and emerging risk trends across customer segments.
• Identify early warning signals and emerging risks; recommend and implement preemptive interventions to mitigate potential credit deterioration.
• Design and implement stress-testing methodologies to simulate portfolio performance under various economic scenarios and support regulatory stress-testing requirements.
• Collaborate closely with collections and recovery teams to optimize management and resolution of non-performing loans (NPLs), improving portfolio quality and recovery rates.

• Ensure credit risk policies are crafted and enforced in alignment with risk appetite frameworks, balancing business growth ambitions with prudent risk management.
• Partner with Business teams and Credit Underwriters to integrate risk considerations seamlessly into lending practices, promoting ethical and sustainable portfolio development.
• Maintain up-to-date knowledge of local and international banking regulations affecting secured lending and wealth management products, ensuring full compliance.

• Translate regulatory and policy requirements into comprehensive underwriting guidelines and portfolio management standards that govern the full customer lifecycle from origination to recovery.
• Implement continuous improvement initiatives that refine risk models, credit scoring systems, and risk measurement tools in line with industry best practices.
• Conduct regular portfolio reviews and audits to identify deviations and drive corrective actions, ensuring risk controls are effective and aligned with expected performance.

Role Context

The Analyst will operate within a fast-paced, regulated banking environment requiring strong analytical capabilities and sound judgment. This role contributes directly to safeguarding the bank’s asset quality and supporting profitable growth in the secured lending space. Interaction with multidisciplinary teams including credit committees, business units, compliance, and external regulatory bodies is expected. The analyst will be tasked with synthesizing complex data to inform risk mitigation strategies and support policy development. Effective communication skills are vital to influence decisions and foster collaborative risk culture across the organization.

Furthermore, the position encourages continuous professional development and knowledge advancement in evolving credit risk practices and regulatory landscapes. The ability to manage multiple priorities and deliver under tight timelines is essential, as is demonstrating a proactive, solutions-oriented mindset.

Career Progression and Development

This role offers a robust pathway for career advancement within Standard Chartered’s Risk or Credit functions. The incumbent will gain extensive experience managing high-impact credit portfolios, developing strategic risk frameworks, and engaging with senior leadership on key business decisions. Opportunities to lead projects, drive innovation in risk management tools, and contribute to enterprise-wide risk initiatives are integral components of this role.

As part of a supportive and inclusive workplace, ongoing training, mentoring, and professional certifications are encouraged to nurture talent and accelerate career growth. Successful performance in this role may lead to increased responsibilities such as portfolio management leadership, credit risk strategy development, or broader risk advisory roles within the bank or across the Group’s international markets.

Skills and Experience

Skills and Experience

• Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) with advanced data analysis and reporting capabilities.
• Excellent written and verbal communication skills to effectively present complex information to diverse audiences.
• Strong knowledge of retail lending products, particularly mortgages and secured wealth management lending.
• In-depth understanding of real estate market dynamics and their impact on secured lending risk profiles.
• Familiarity with financial instruments and investment products relevant to wealth management portfolios.
• Experience with credit risk assessment tools, stress testing, and portfolio monitoring techniques.
• Ability to interpret regulatory requirements and incorporate them into operational and risk frameworks.
• Analytical mindset with keen attention to detail and a disciplined approach to risk evaluation.

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.