Job Summary

This is a critical role within the WRB risk management team under which the job holder will support and manage the execution of the risk management strategy for mortgage loans, for both Singapore, as well as the global mortgage portfolio. The role holder will directly manage the country CRM function for mortgages for Singapore and also support Group CRM priorities. Key responsibilities will include:

•    Ensure full compliance to the Bank’s credit and local regulatory requirements through effective control mechanism across all credit cycle functions.
•    Manage an acceptable level of credit loss and maximize economic profits for the Business through profitable growths.
•    Support healthy asset growth and achieve desirable market share and to support quality fulfilment of promises to the customers.

Key Responsibilities

Strategy
•    Define and execute the secured lending credit risk strategy for Group and Singapore, ensuring alignment with the Group risk management framework and approved risk appetite.
•    Anticipate and respond to economic, regulatory and market developments through proactive portfolio management and risk mitigation actions.
•    Provide insight, analysis and independent challenge to support risk appetite, credit policy and governance decisions.
•    Drive sustainable portfolio growth and shareholder value through an appropriate balance of risk and return, supported by continuous enhancement of credit processes.
•    Business
•    Communicate and embed secured lending risk strategy and priorities across Group, country and first-line stakeholders.
•    Partner with business and product teams on target market strategies, product propositions and new initiatives to support sustainable and profitable growth.
•    Deliver portfolio analysis, forecasting and risk-based challenge to optimise business performance within risk appetite.
•    Ensure the capabilities, infrastructure and expertise required to support evolving secured lending business needs.

Risk Management
•    Own and maintain secured lending risk appetite, standards and credit policies across Group and Singapore.
•    Manage portfolio risk, growth, profitability and asset quality through ongoing monitoring, segmentation and targeted portfolio actions.
•    Oversee portfolio performance using analytics, stress testing, early-warning indicators and risk assessment frameworks.
•    Translate risk appetite and risk-return objectives into effective underwriting policies, portfolio strategies and credit decisions.
•    Provide subject matter expertise throughout model development, implementation and monitoring to ensure continued relevance and effectiveness.
•    Challenge collections strategies, impairment forecasts and remediation actions to address emerging delinquency trends.
•    Provide independent oversight and challenge to business and control functions, leading responses to material risk events, policy breaches and emerging issues.
•    Report portfolio performance, risk exposures, macroeconomic developments and strategic opportunities to senior management and governance forums.

Governance
•    Review and approve credit proposals, policy dispensations and product programmes, ensuring risks are appropriately identified, assessed and controlled.
•    Maintain Group and Singapore mortgage Credit Approval Documents (CADs) and provide guidance on country-specific addenda.
•    Ensure robust governance, controls and assurance processes for policy development, approval and implementation.
•    Support effective decision-making through active participation in committees, management forums and escalation processes.
•    Oversee the identification, reporting and remediation of operational risk issues, control weaknesses, audit findings and compliance breaches.

Processes
•    Ensure consistent implementation, monitoring and enforcement of secured lending policies and controls across Group and country teams.
•    Review acquisition strategies, product programmes and marketing initiatives in response to changing risk and competitive dynamics.
•    Leverage scorecards, analytics and risk tools to enhance credit decision-making, operational efficiency and control effectiveness.
•    Monitor approval performance, portfolio quality and programme effectiveness, ensuring timely reviews and renewals.

Regulatory & Business Conduct
•    Demonstrate leadership aligned with the Group’s Values and Code of Conduct.
•    Ensure the highest standards of regulatory compliance, ethics and business conduct across all activities.
•    Proactively identify, escalate, mitigate and resolve risk, conduct and compliance issues through effective stakeholder engagement and governance.

People and Talent
•    Set direction and drive high performance by translating strategy into clear direction, aligning individual goals to team outcomes and providing regular, constructive feedback.
•    Develop talent and capability through coaching and career conversations that build critical skills, stretch potential and prepare individuals for future opportunities.
•    Lead by example by role-modelling the Bank’s valued behaviours, upholding strong risk and conduct standards, exercising sound judgment, and creating an inclusive team culture that supports wellbeing, values diverse perspectives, and drives accountability.

Our Ideal Candidate

Key Experiences    
•    15+ years of direct experience of managing credit policy for retail lending products, including credit cards, personal loans and mortgage loans.
•    Experience in both Singapore and Group-level roles is preferred.
•    Have had exposure to other areas in Risk, including collections and underwriting.

Role Specific Technical Competencies

Must-have
•    Retail and Private Banking credit risk
•    Communication and influencing
•    Business Partnering
Others
•    Manage Changes
•    Manage Projects
•    Manage Products and Processes
 

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