Job Summary

•    Ensure accurate posting of transactions in Miles/ Mfunds/ Indus within self-allotted authorities and for over limit after obtaining the necessary approvals with appropriate vouchers signed off.
•    Ensure error free processing for all application, Account opening process assigned to your job role and avoid any operational loss.
•    Ensure processing & adherence to internal/external policies while reviewing/verifying documents pertaining to Loans, Account Opening and Disbursal related processes.
•    Adherence to the RBI/Regulatory guidelines.
•    Ensure proper updation of all registers/system updation on a daily basis as applicable.
•    Maintain and provide data correctly and promptly to the concerned.
•    Record Archival as per laid down process/timelines 

Key Responsibilities

•    Number, accuracy and speed of transactions processed within guidelines/ standards
•    Meeting individual service targets 
•    Error rates, especially those leading to operational losses Throughput vs  own capacity
•    Ideas that lead to process improvements (cost, time, service improvement)
•    Turnaround time on resolution

Strategy
•    Identifies opportunities for process improvements and remove process “bottle necks” .
•    Assess process health (through key metrics) & identify broken processes that requires redesign
•    Uses customer/stakeholders feedback to continuously re  engineer processes
•    Successfully implements best practices into own team and migrate them to other teams/ units
•    Uses customer feedback to continuously re engineer processes using digitization and straight through process approach.

Business
•    Managing and processing of Loan against property and other lending products in the area of pre sanction, post sanction and disbursal processing 

Processes
•    Pre sanction and disbursal processing of LAP, BIL and Personal Loan 

People & Talent 
•    Should have good knowledge about financial analysis co ordinating with legal and valuation vendors for collateral informations 

Risk Management
•    Establishes a performance culture around Risk Management using root cause analysis and corrective action planning as key
•    elements of operational risk management Proactively identifies, assesses and mitigates risk issues
•    Establishes a clear, well tested continuity plan
•    Manages process requirements of risk mgmt. framework
•    Ensures appropriate follow through of audit findings

Governance 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    Ensure all process notes and policies are adhered  

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.
•    Lead 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.
•    Serve as a Director of the Board 
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders
•    Business, Product and Credit Underwriting team 

Skills and Experience

•    Local Regulations & Processes
•    Effective communication
•    Information Management
•    Problem Solving 
•    Local Regulations & Processes

Qualifications

Graduate with minimum 5 years of experience in lending operations

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.