Job Summary

This role covers the Malaysia Coverage Banking Country Head role with the country CEO role

As CEO: Responsible for leading, driving and ensuring effective execution of the overall country strategy aligned to global strategic objectives of the bank.

As Coverage Banking (CB) Head for Malaysia, the role will involve developing and being accountable for Malaysia’s Coverage Banking strategy, budget, and performance targets, in the context of the Corporate and Investment Banking (CIB)  strategy.

Strategy
•    Develop and implement an effective country plan that supports operational resilience and the delivery of strategies in the country, including people, premises, technology and behaviours. Ensure that the country plan is aligned with the country’s short, medium and longer-term aspirations for both CIB and Wealth and Retail Banking (WRB)
•    Responsible for oversight and governance of activities in the respective branch/subsidiary
•    Contribute to the shaping and implementation of CIB Strategy, which aims to maximise shareholder value, identifies and creates areas of competitive advantage and aligns to the overall strategic direction of the wider business.
•    Set the vision, strategic direction and growth ambition for Coverage Banking, aligned to the CIB and overall Group strategy.
•    Drive the execution of the Originate to Distribute (O2D) strategy, in partnership with Product Teams, to optimize balance sheet velocity and capital efficiency.
•    Oversee definition and execution of the Group Sustainable Finance (SF) strategy to drive SF revenue growth and strengthen the Bank’s leadership position in this space.
•    Provide visible, decisive leadership to create clarity, accountability and pace across teams globally.

Key Responsibilities

Business
•    Oversee the delivery of the WRB and CIB business performance and cost targets in the country, in line with the Group’s performance management framework.
•    Effective management of the country’s balance sheet, including liquidity management and efficient use of capital, to support the execution of the country strategy and business plans.
•    Set and cascade Malaysia CB performance targets across revenues, costs and returns in line with CIB and Group strategy, with clear accountability and robust performance monitoring. 
•    Drive disciplined execution and performance management, optimising capital deployment, liquidity and balance sheet usage, while proactively identifying underperformance and taking corrective actions.
•    Act as Accountable Executive for the Coverage Banking change and investment portfolio. 
•    Shape a sharp client strategy that optimise CIB client service model and capital resources allocations, to maximise addressable wallet share and returns. 
•    Scale a Sector-Led Coverage Model, embedding deep domain expertise and advisory capabilities into CB teams.
•    Advance the CIB Network growth strategy, ensuring resources are dynamically allocated to the most accretive growth corridors to effectively support CIB clients’ cross‑border needs.
•    Work with Product partners to promote innovative client solutions, drive cross sell and O2D velocity, deepening client relationships and maximising share of wallet.
•    Ensure key transactions are appropriately structured, marketed and executed to optimise risk adjusted returns. 

Processes
•    Responsible for optimizing Malaysia country business processes. Including:
o    Support the continuous improvement of processes to increase operational efficiency and effectiveness.
o    Support the effective management of operational risks across the business and in compliance with applicable internal policies, and external laws and regulations at a global level.
•    Manage Coverage Banking processes in line with the Group Process Universe and ORTF requirements.
•    Sponsor platform, data, policy and process transformations (including AI adoption) to improve productivity, transparency and decision quality, while driving global consistency and continuous simplification of systems and processes.
•    Ensure systems, controls, procedures and governance frameworks are robust and commensurate with the nature, scale and complexity of the business, taking into account the external operating environment.
•    Establish and maintain effective frameworks for the identification, management and mitigation of operational risks across the business.
•    Responsible for the Change Management oversight across CB, including strategic framework design and assessment, risk management and remediation, management information review and escalation to the CB NFRC, along with oversight of the Order Execution Policy and other Policies and Procedures that support the Group’s Best Execution responsibilities. 
•    Leverage the opportunity provided by Sustainability and Community Engagement to enhance the Group’s internal and external reputation and indirectly influence the bottom line.
•    Responsible for appropriate classification of clients to either Regulatory or Group appropriateness standards and sale of products accordingly. 
•    Responsible for complaints handling in accordance with Group standards.
•    Responsible for distribution of marketing materials and communications to clients.
•    Ensure Loan Impairment is managed within expected levels within Malaysia across both CIB & WRB in line with IFRS 9

Risk Management
•    Holds end to end responsibility for identifying, assessing, monitoring, and mitigating risks, with a clear understanding of the key risks facing the business, and take decisive remedial action on material risk issues, escalating to relevant risk committees where required.
•    Ensure consistent implementation of policies and control standards set by risk framework owners, and operate fully within approved risk appetite, whilst ensuring compliance with internal policies and all applicable laws and regulations. 
•    Actively shape and drive the risk, control and conduct agenda, setting the right tone and expectations across the organisation. 
•    Ensure that the relevant risk management forums and decision making processes are adhered to, and maintain a strong and consistent focus on risk and conduct matters. 
•    Ensure all audit, regulatory and compliance findings are addressed in a timely manner, driving continuous improvement in processes and controls. 
•    Oversee financial crime and anti‑money laundering responsibilities for CB clients, ensuring robust Client Due Diligence, KYC and governance frameworks and timely escalation of material issues to the appropriate governing committees.
•    Maintain and oversee frameworks for vulnerable client management, ensuring fair outcomes and adherence to regulatory expectations.
•    Oversee Complaints management, ensuring effective controls are in place and compliance with internal policies and regulatory requirements
•    Accountable to risk control owners and/or Group policy owners for implementation of policies and control standards set by them, and responsible for execution of country-level processes (in line with the Group’s process universe as set out in the Group Operational Risk Framework) including activities and/or operations which are carried out by other businesses or functions, or which are hub or outsourced.
•    Work with relevant risk control functions to ensure that the risks are properly monitored, mitigated and/or escalated to the relevant Senior Manager, Country Risk Control Owner and/or Country Committee with responsibility for that area and take all reasonable steps (within the job holder’s authority) to mitigate such issues and risks.
•    Oversee all material individual or systemic risks across each risk type (e.g., credit, operational, liquidity, reputational, market, etc) which affect the country and provide input into risk appetite, risk limits and risk acceptance within the country and challenge Group and country risk control owners and regional supervisors where appropriate. 

Prudential Standard – Recovery and Resolution Planning
•    Prudential standards are defined as local regulatory requirements pertaining to Recovery and Resolution Planning.  
•    As a Risk Owner for the local Recovery and Resolution Planning regulatory requirements, you are responsible to ensure that the local branch or subsidiary have an adequate recovery plan and accurate resolution information is provided as required to regulators to allow the assessment of the preferred resolution strategy.
•    Specific to the operational risk sub-types, execute second line Risk Ownership responsibilities as outlined under the Enterprise Risk Management Framework (“ERMF”) and associated policies and procedures. Including, but not limited to the following: 
•    Ensure that required control standards are being met, by continuous monitoring of risk and control indicators. 
•    Highlight and escalate (as required) where control standards are not being met, including highlighting control design deficiencies or gaps to Group Risk Owners.
•    Challenge and approve (where appropriate) first line risk identification, residual risk assessments and mitigation plan, taking into account changes to the internal and / or external environment.
•    Review, challenge and support Risk Acceptance Requests request made by relevant Country Process Owner(s) for submission to the authorized risk acceptance authority.
•    Monitor ‘live’ risks, and jointly with first line owners, ensure that appropriate management action is being taken to mitigate their impact.

Operational Continuity in Resolution (“OCIR”) Regulation
•    OCIR ensures that in a Resolution Scenario, Standard Chartered can run on in an orderly fashion, without negatively impacting the financial system or the wider economy of the countries we operate in. The jobholder is responsible for maintaining and monitoring compliance with the Operational Continuity in Resolution regulations in their respective local branch or subsidiary.

Governance
•    Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role. 
•    Establish a robust governance framework for effective management of reputational, business and operational risks and ensure compliance with applicable internal policies, and external laws and regulations.
•    Chair effective governance meetings to ensure appropriate governance across Coverage Banking Malaysia and the overall franchise.  Ensure appropriate risk assessment, management information, monitoring and assurance measures are in place
•    Accountable for all escalations from in-country committees or to other stakeholders in senior management, risk or control functions as appropriate.

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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Lead the Coverage Banking team to achieve the outcomes set out in the Bank’s 10 Conduct Principle
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

    
People and Talent
•    Build and manage an effective management team across Malaysia as CEO and Coverage Head, leveraging the collective capability and strength of the group. 
•    Ensure adequate resourcing and staffing with an appropriate number of competent staff.
•    Ensure that colleagues have access to the necessary training/learning programmes to execute their role and, where required, maintain any professional qualifications and memberships. 
•    Ensure that the team structure, capacity, and succession plan are regularly reviewed and remain appropriate. 
•    Champion a diverse and inclusive workplace culture within their function that reflects the firm’s core values.
•    Setting and monitoring clear performance objectives and provide feedback and rewards in line with their performance against those responsibilities and objectives. 

Qualifications

Key Experiences    

• Extensive years of experience in the banking industry with proven commercial accountability as CEO/ head of coverage 
• Established Coverage Banking experience within an international, matrixed bank/ financial institution and undestands cross selling 
• Demonstrable skills in client acquisition and business origination at the C-Suite level in Banking
• Strong understanding of the regulatory landscape, risk management and governance requirements 
• Business proficiency in  English required, command of Bahasa Malaysia would desired
• Human centred, and inclusive people leader who can galvanise teams and bring them along the Bank's growth journey

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.