Job Summary

Seeking a dynamic professional to manage and grow portfolios for Personal Loans, Easy Credit, and Credit Cards, while ensuring compliance and risk management, and leading innovative product development and campaign management to boost utilization and customer engagement.

Key Responsibilities

• Manage portfolio growth for Personal loan, Easy Credit and Credit Cards
• Ensure balanced growth by addressing Credit, Operations, Compliance, and Service Delivery risks, delivering timely and seamless client experiences in a cost-effective manner
• Initiate, design and develop best in class global product suite based on local needs by providing feedback on opportunity and co-creating globally scalable solutions with the central team
• Manage the delivery of regulatory changes so that they 
• Support the rollout of the global suite of standardized products in market 
• Campaign Management for Credit Cards and Easy Credit to Increase Spend, Utilization, Activation ratios, usage per customer and Ending Net Receivable
• Responsible for new product development including opportunity assessment, product design, sourcing, evaluation, operational readiness, and launch, as well as ongoing product maintenance through assessment, requirement evaluation, securing approvals, and execution
• Responsible for identifying, assessing, monitoring, controlling, and mitigating risks to the group, with an understanding of the main risks and the individual's role in managing them
• Ensure all compliance is met with the Global Operations Risk Framework

Skills and Experience

• 5-6 years' experience in portfolio management for cards and loans
• Understanding of financial products and regulations 
• Understanding of credit quality standards and commercial lending policies
• Be able to work independently and manage multiple priorities
• Have strong organizational and time management skills
• Strong Analytical skills and Business Acumen 
• Stakeholder Management
   

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.