Job Summary

To manage, develop and implement credit policies and risk management strategies for effective SME Business Banking portfolio management in accordance local, external regulations and group policies.

Key Responsibilities

Strategy
•    Implement credit policies and risk management strategies for SME Business Banking portfolio management.
•    Implement Local Risk strategies for SME Business Banking portfolio.
•    Develop, implement and execute credit policies and strategies to achieve quality portfolio and effective portfolio management.
•    Ensure Portfolio Standards evolve appropriately to manage changes in external environment, strategy and/or risk appetite.
•    Strategic initiatives via CET to explore new opportunities and challenge the effectiveness of existing policies.

Business
•    Support Business in existing and new product development to assist in meeting business objectives.
•    Meet LI budget and benchmarks for SME Business Banking products.
•    Facilitate risk-reward trade-off discussions and decisions in Management Group meetings.
•    Perform in-depth portfolio analysis on identified business issues.
•    Ensure MIS decks provide adequate segmentation and profitability indicators.

Processes
•    Ensure consistent application and enforcement of credit policies, processes and controls in Malaysia markets.
•    Support smooth implementation of credit policies to ensure effective execution.
•    Conduct periodic review of SME Business Banking portfolio to ensure optimal decision-making.
•    Conduct program tracking to ensure continuous validation of credit policies for essential program rollouts.
•    Contribute to design of credit process around portfolio activation/intervention.
•    Drive automation to improve efficiency and effectiveness of portfolio management process.
•    Continuously improve the way of working by driving cost effectiveness and automation of credit processes.

People & Talent
•    Work with respective credit officers to implement effective portfolio actions that mitigate potential risks.
•    Ensure processes are in place for the Risk Officers in Country to monitor adherence.
•    Provide insightful and robust analysis to facilitate discussions and decision-making in governance and management group meetings.

Risk Management
•    Develop and maintain credit policies consistent with the overall risk appetite.
•    Proactively manage the portfolio credit risk profile within agreed risk appetite.
•    Anticipate changes in credit conditions and implement mitigating portfolio actions.
•    Reduce P&L volatility by prompt escalation of potential risks/issues.
•    Understand sensitivities to key risk drivers and potential stress impact on the portfolio.
•    Monitor external factors such as economy, regulatory environment and emerging risk trends.
•    Monitor, review and control risk profiles (e.g. risk grade migration, risk concentration, RWA).
•    Ensure quality MIS for portfolio tracking, triggers, segmentation, and identification of risks/opportunities.

Governance 
•    Present the SME Business Banking portfolio with robust and insightful analysis.
•    Facilitate credit policy and risk appetite discussions and decision-making in credit risk governance and management group meetings.
•    Ensure material risk exposures and related issues are reported to the responsible governance committees and to Group and business level committees as appropriate.

Regulatory & Business Conduct
•    Implement and manage regulatory changes.
•    Ensure compliance with local regulations (BNM), external regulations (MAS/PRA) and group policies.
•    Ensure compliance with the Group’s standards and regulatory requirements pertaining to Money Laundering and KYC.
•    Participate in and/or support the Bank’s efforts in combating money laundering activities.
•    Ensure compliance with the operational Risk Framework including effective application of risk toolkit (e.g. KPIs/KRIs, CSTs and reporting).
•    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.

Key stakeholders
Internal
•    Country Credit Head
•    Head of Operational Risk
•    Group Retail Credit
•    Legal and Compliance
•    Credit Initiation Team
•    Collection Team
•    Fraud Team
•    Policy teams
•    Technology teams
•    Group Internal Auditors

External
•    External Auditors 
•    Local Regulator (BNM)
•    External Regulators (MAS,PRA)

Other Responsibilities
•    Embed Here for good and Group’s brand and values in Wealth & Retail Banking Malaysia; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Skills and Experience

• Excel, analytical Skills
• Communication and interpersonal skills
• Credit Risk Management Experience/Skill
• Credit Risk Analysis

Qualifications

•    Bachelor’s degree in Statistics/ Mathematics/ Computer Science or related discipline.
•    Min 5 years in credit risk management in a financial services industry role, ideally related to portfolio risk analysis and management.
•    Strong experience in advanced analytics/ programming languages/ data visualization is preferred eg. SAS/SQL/ Qlikview/Tableau/ VBA
•    Possess fundamental understanding of Business Banking (SME) lending products.
•    Strong communication skills would be an added advantage

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.