Key Responsibilities

Strategy*

Optimize Wealth and Retail Banking balance sheet and support the implementation of WRB strategic initiatives to drive sustainable growth of the business. 

Business*

Balance Sheet Management

• Optimize WRB balance sheet structure to support business growth plan;

• Review product lines' portfolio performance and provide valuable insights and suggestions for WRB Head and product leaders;

• Monitor various internal and regulatory ratios and limits; Pricing Management

• Review product pricing strategy for margin management and new business acquisition;

• Assess Group and country FTP policies/changes and their impact on business;

• Monitor portfolio and new booking pricing and margin trend and ensure meet internal and external requirements; 

Business Planning Management 

• Support APM head on business planning of APM and drive the execution of key initiatives

• Act as contact point of APM to coordinate collaborations among different teams for local and group level exercise

• Support APM head on driving WRB level initiatives as assigned by WRB Head 

Processes*

• Review balance sheet development and outlook

• Monitor and help manage internal and regulatory ratios and limits

• Prepare materials for Pricing, Balance Sheet Forum, ALCO and other relevant forums

• Follow-up on various strategic initiatives and ensure targets and deadlines are met 

Risk Management*

• Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct
• Join related training sessions with proper frequency to keep abreast of latest risk management requirements. Strictly follow all related internal and external regulations and policies.
• Proactively learn and take actions to ensure conduct initiatives well implemented

Governance 

• Be alert of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role remit
• Be responsible for delivering "effective governance"; capable to challenge fellow executives effectively; and willingness to work with any regulatory body in an open and cooperative manner
• Manage regulatory relationships in relation to the business remit
• Be responsible for appropriate escalation to any governance 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.
•    Support Head Risk & Control to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment. 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Adhere to local regulator [Reserve Bank of India] prescribed responsibilities and Rationale for allocation

Key Stakeholders

• Business segments, WRB, SCB CN
• Business finance, WRB, SCB CN
• Balance sheet management, FIN, SCB CN

Other Responsibilities

• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies

理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.

• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities

根据本地问责法律法规的发展，以有效地确保并强化内控.

• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank

审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.

• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections

对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.

• Cooperate with any investigations or reviews on regulatory failure such as accountability review

配合任何关于违反监管规定的调查或审查，例如，问责审查。

Qualifications

•    Bachelor’s degree in Banking or Finance preferred.  
•    Ideally 5+ years of experience in banking, analytical or another relevant environment
•    Languages: English and/or local language skills as relevant to country requirements 

Skills and Experience

•    Business Facilitation: Leading initiatives to improve Client experience, efficiency, and cost management  
•    Manage Conduct
•    Manage Risk
•    Manage Projects
•    Business Governance & Support: Projects investment governance, product, and process governance, et

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.