Job Summary

Overview
Credit & Portfolio Management (CPM) is part of the Group Corporate & Institution Banking Function. Credit & Portfolio Management is responsible for:
•    Actively managing the Bank’s credit portfolio to maximize risk-adjusted returns for sustainable Group ROTE outcomes through better origination discipline, portfolio optimization, modelling, early identification and action of stressed assets and distribution.
•    Driving balance sheet optimization and resilience through improving the inter-operability of key subsidiaries, reducing Cost of Funds (CoF) and improving quality and resilience of liabilities by monetizing illiquid CIB loans to create medium term secured and contingent funding options that could even be used to raise funds in stress.

Various sub-units’ underneath CPM are listed below:

Distribution:
•    CPM Distribution is part of Credit & Portfolio Management. CPM Distribution co-ordinates loan sales in the secondary market to generate liquidity, obtain RWA relief, and offload risk at minimum cost under the guidance of the Origination and Distribution Policy. To facilitate loan sales and other CPM Distribution initiatives, GBS CPM Team extracts the data on all transferable loans from multiple sources and compiles them in the Loan Database.
•    Distribution also runs various programs that help in the bank offloading RWA. The team functionally supports these various programs.

Analytics and liquidity
In addition, we do CPM Analytics activities which involve RWA Variance analysis, Account Plan Tracking, CPM MI packs and OBL MI packs. The activities include the production and distribution of RWA Variance reports for CB and CIB, analyzing RWA movements and engaging with GAM’s directly on the reason for the Variance.

SAG Reporting
•    Monthly, Quarterly, Semi-Annual, and Annual performance of Regulatory and non-Regulatory reports.
•    Reaching out to in country RM to get clarity / Status of their clients. 
•    Reaching out the Account manager and Account owners for Clarity on SAG accounts.
•    Helping the in-country team to keep track of various access and Client related information for SAG clients in System such as RV2. 

Principle Finance
•    Periodical Maintenance of Investment details in the Bank Application. Timely updates during fresh investment or exit in Bank application and related reporting.
•    Process payments for Third parties and related requirements as per the Bank’s payment policy
•    Vendor management: Vendor management includes Vendor creation, Third party security assessment and related requirements in Bank’s application. 
•    Involve in internal and external regulatory requirements such as FATCA, BHCA, Volcker reporting, Due Diligence activities, Investment register 
 
Assurance checks:
•    Monthly, Quarterly, Semi-Annually and Annually performance of CST and KCIs.
•    Ensure the timelines for the metrics met in M7 every cycle.
•    MI (NFRC) preparation and reporting to be done every month.
•    Thorough knowledge in M7 and Tableau.
•    Be aware of Ops Risk environment to know latest updates.
•    Metrics coverage to be extended to the overall process (wherever applicable) and it should not always be on the check description.
•    Exceptions to be discussed and agreed with CPO/GPO before recording in M7.
•    Results of the metrics to be articulated clearly as per the check description.
•    Working Papers/ Supporting documents/ Approval emails to be saved and maintained in the share drive systematically.

Financial Resources Management:
•    Preliminary objective is to ensure the Bank’s Balance sheet optimization by ensuring efficient allocation of the Liquidity & Capital resources of the Bank.
•    Forecasting Balance Sheet position and metrics. Team leads conversations with stakeholders for interlock.
•    International Balance Sheet Management (IBSM) function helps cross border deal booking to ensure Balance sheet optimization.
•    High-Priced Liabilities (HPL) and OPAC review for Liability optimization. 

Transaction Banking:
CPM function to work on Trade optimization activities that largely include: RWA/Return Management, Trade Portfolio Management, Suboptimal Management

Key Responsibilities

Strategy
•    Help to ensure appropriate BAU controls being established and deployed effectively in GBS. 
•    Help to support new Business requests through Product programmes and Country addendums
•    Help to look for possibilities of leveraging on synergy within the various processes through automation thereby bringing in improvements.

Business
•    Help the team to pursue the strategic intent and agenda for RRSD
•    Help to improve client experience through more efficient and effective processing in tandem with Risk, Client Coverage and Front Office users

Processes
•    Sign off Credit RWA of TB exposures for every month-end RWA report.
•    Client level report with CIB and TB RoRWA.
•    Identification of eligible Trade deals for distribution
•    Monthly refresh of Headroom RWA numbers for Trade and Working Capital facilities 
•    Review RWA trend at client/facility level and locate RWA save opportunities
•    Solo IntraGroup limit management
•    Estimate Period End Trade RWA
•    Monthly Sub Optimal RWA Review Forum preparation

People & Talent 
•    Compliance with all relevant process procedure, guidelines, rules & regulations
•    To work and solve problems independently and be able to work in a deadline-oriented environment

Risk Management
•    Embed new Operational Risk framework into monitoring processes and report any escalations to Management.
•    Monthly monitoring of CST and performance measurement of KCI

Governance 
•    Work closely with Operational Excellence & Change management team members to understand key issues and processes and drive automation of processes. 
•    Adherence to mandatory certifications and operational requirements

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.

Key stakeholders
•    CEO, CIB office
•    Finance teams
•    Transaction Services Sales & Product partners
•    Associated Technology partners
•    Syndications
•    Business desks
•    GBS Management team

Other Responsibilities
•    Participate in at least 2 days of volunteering per year
•    Participate in engagement activities
•    Be motivated and actively engage in activities like innovation and automation initiatives
•    To hold assigned roles of First Aider / Fire Warden / ADCC as appropriate and discharge the expected responsibilities.

Qualifications

•    Post-Graduation in Finance with relevant 0-4 yrs experience
•    Risk Certifications from established institutions is recommended
•    FRM/CFA Certified candidates will be preferred
•    Any technical Certification in MS Office Advanced tools / SQL / Tableau / SAS/   will be preferred

General Skill Set:
•    Strong knowledge in banking products across asset classes (FX/Rates/ Equity/ Credit and Commodities)
•    Strong knowledge in Data Analytics (Including ML capabilities)
•    Hands-on SQL, SAS, PYTHON
•    Awareness of trading environment, macroeconomic fundamentals, market moves & potential impact on exposures. 
•    Excellent communication skills - verbal and written 
•    Ability to work under pressure 
•    Have excellent attention to detail 
•    Be able to work in a global team 
•    Expertise in programming language is not required but good to have
•    Working knowledge in MS Excel, Access
•    Knowledge about Market and Credit Risk
•    Documentation skills
•    Working knowledge of the Group’s businesses, governance structure and approach to risk management.
•    Experience in team admin tasks/cost controller/project accountant role with familiarity to SCB project management standards / tools would be a distinct advantage
•    Experience in Agile framework
•    Significant Experience in major regulatory programs in the Risk/Finance, Banking industry – BCBS,IMM,CVA etc

Skills and Experience

•    Manage Conduct
•    Manage Risk
•    Manage People
•    FM Products
•    Problem Solving skills
•    SAS/ Python/ SQL/ Tableau
•    Analytical Skills

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.