Job Summary

As Director, Stressed Assets Group, you will support the Regional Head of Credit Portfolio Management (CPM) and Regional/Area Head of SAG in developing and executing portfolio strategies for stressed and potentially stressed exposures across the Middle East region.

You will lead the proactive management of non-performing and classified assets, contribute to early-stage risk identification, and drive mitigation strategies that enhance returns, reduce portfolio volatility, optimize regulatory capital, and improve overall balance sheet efficiency.

Key Responsibilities

Portfolio & Risk Management

• Manage and monitor stressed and deteriorating credit exposures across the Middle East portfolio.
• Drive recovery strategies and workout plans for non-performing loans and problem accounts.
• Partner with Relationship Managers and Risk teams to identify emerging risks and implement timely mitigation actions.
• Support the management of CG12, CG13 and CG14 exposures through restructuring, deleveraging, secondary distribution, hedging, and other risk reduction initiatives.
• Provide guidance on credit grading, provisioning, and portfolio management actions.

Capital & Balance Sheet Optimization

• Maximize recoveries while improving capital efficiency and overall returns.
• Support optimization of Risk Weighted Assets (RWA), liquidity, and Return on Tangible Equity (RoTE).
• Assess strategic options for stressed assets, balancing accounting outcomes against economic value.
• Contribute to reducing concentration risk and releasing regulatory capital to support business growth.

Strategic Portfolio Insights

• Deliver portfolio analytics and forward-looking credit migration assessments.
• Enhance portfolio transparency through meaningful reporting on risk, cost, recovery, and mitigation outcomes.
• Support the development of data-driven approaches to credit risk management and portfolio optimization.
• Identify opportunities to improve portfolio composition and strengthen origination discipline.

Governance & Control

• Ensure compliance with the Bank's Problem Accounts Management Standards and relevant governance frameworks.
• Maintain strong oversight of operational, conduct, regulatory, and reputational risks.
• Escalate significant issues and material impairments to senior management and governance committees as required.
• Support audit, compliance, and regulatory reviews while ensuring timely resolution of findings.

Stakeholder Management

• Build strong partnerships across Coverage, Credit Risk, SAR, Finance, Legal, CFCC, Global Credit Markets, and Financial Markets teams.
• Represent the Bank in discussions with external stakeholders including investors, advisers, legal counsel, regulators, restructuring specialists, and distressed asset funds.
• Influence strategic decision-making through clear communication of portfolio risks and opportunities.

Our Ideal Candidate

•    Data Analysis
•    Financial Analysis  
•    Financial Statement analysis  
•    Business markets  
•    Capital management  
•    Commercial Loan review
•    Portfolio Management  
•    Financial Products and Markets
•    Asset and Liability Management (ALM)
•    Legal analysis

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.