Key Responsibilities

Risk Management
•    Assess the credit risk profile of the Specialised Finance (SF) South Asia portfolio, maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors. SF includes Project Finance, Leveraged and Acquisition Finance, Transportation (Shipping and Aviation) Finance and Structured Credit & Trading (SCT).
•    Initiate stress tests as required by internal and external factors and review results and assess their implications.
•    Ensure that effective management response plans are in place to respond to extreme but plausible scenarios.
•    Uphold the integrity of risk / return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.
•    Exercise risk control responsibility for Credit Risk for SF South Asia portfolio
•    Ensure that material risk exposures and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate.
•    Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the job holder, taking account of concentration risk across sectors, geographies, and markets.
•    Assist SCO in designing, maintaining and effectively communicating risk control parameters of the CIB SF portfolio, including policies, control standards, risk exposure limits and other control levers in order to maintain the risk profile in line with the Group’s risk appetite.
•    Actively participate in key committees through standing membership
•    Ensure first line process owners understand and accept their risk management responsibilities.
•    Assist with the formulation of annual Risk Appetite and Portfolio Standards through joint sponsorship with the business.
•    Influence and monitor through use of Risk MI the shape and composition of the portfolio against approved Standards and escalate breaches with recommendations for remedial action.
•    To monitor and identify signs of deterioration on individual names with a view to commence early remedial management of these accounts and thereby minimise loan losses thus directly contributing to bottom line.

Strategy
•    Support development of risk parameters for Specialised Finance in South Asia according to Risk Appetite and Policy Frameworks and documents in portfolio standards.

Business
•    Align strategy of the SF South Asia with business strategy and risk appetite and supervise the Function in overseeing its execution in the region
•    Maintain and develop the SF Risk function’s risk capabilities, and skills to meet ongoing business needs and plans
•    Identify measure and monitor material risk affecting CIB portfolio in the context of the external market environment.

Processes
•    Supervise all processes where a member of the Function is the identified first line process owner
•    Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
•    Continuously improve the operational efficiency and effectiveness of the Function’s risk management processes to increase the consistency of global systems and processes
•    Ensuring that the quality of Credit Applications meets Group standards, particularly with regard to the completeness and depth of risk analysis.
•    Approving of Credit Applications falling within own discretion and support of applications, which require approval outside the territory.
•    Attending the local Credit Issues Committees for respective countries to review credit related issues.
•    To instil a strong credit culture and provide leadership to RM’s.
•    Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate, in managing substandard accounts to maximise recoveries and minimise losses.
•    Discuss with business and approve daily transaction.

People & Talent 
•    Good communication skills – written and oral
•    Command respect of cross functional peers and business heads working in open ended situations

Governance 
•    Prepare monthly reports such as Portfolio Standard Tracker.
•    Regularly review audit and CRR reports / KCIs & CSTs and identify key trends.
•    Prepare all the inputs required from Credit Risk to assist the SF CCO and senior Risk stakeholders
•    To stress test the respective country portfolios as appropriate to manage downside risks.
•    Produce data and analysis/commentary for the Risk Information Report (“RIR”). 
•    Maintain vigilance over data quality and drive ongoing improvement.
•    Support CRC by Monitoring and reviewing the daily excess reports / CMS report (for documentation deficiencies) / monthly RB reports
•    Ensure timely submission of various Credit Risk reports to Finance and Compliance for Regulatory Reporting to the respective Central Banks.
•    Ensure timely submission of data to region on EAR updates, Local and Group Credit Policy Breaches

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.

Key stakeholders
Internal
•    REGIONAL AND COUNTRY HEAD SF Segments,
•    RMs,
•    SCOs,
•    CCO,
•    ERR TEAMS,
•    INTERNAL AND EXTERNAL AUDITORS.
•    FM/TB/CF units
•    CCR
•    GSAM
•    Legal/CDU/CRC
•    Operational Risk
•    CFCC

Skills and Experience

Specialised Finance Risk (i.e., Project Finance, Leveraged and Acquisition Finance, Transportation (Shipping and Aviation Finance) and Structured Credit & Trading (SCT).

Qualifications

•    Education    
The candidate is required with experience in assessing risk of Specialised Finance. SF includes Project Finance, Leveraged and Acquisition Finance, Transportation (Shipping and Aviation) Finance and Structured Credit & Trading (SCT). 
MBA/CA/CFA would be an advantage.
•    Training     No Upfront Training as we are looking for People with Experinece. Later Training will be to Upgrade and Credit Risk, Presentation
•    Certifications    Core Credit Curriculum – Post Recruitment 

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.