Job Summary

•    Optimization of economic capital to create sustainable value in ME business by crafting and agreeing risk appetite that helps to achieve a desired risk profile from which we can secure relatively better returns than our competition over the longer term.
•    To ensure that the quality of the client portfolio of Commercial Banking is maintained within acceptable parameters, as defined by ME credit policy and country underwriting standards (CUS), and that the reporting of information relating to that portfolio is timely and accurate.
•    To instil a strong credit culture by setting the highest standards and demanding that these are maintained by all Business teams in country. 
•    Proactive management of the portfolio credit risk profile within agreed risk appetite. Reducing P&L volatility by running a largely “surprise free” and well managed ME book.

Key Responsibilities

Strategy
•    Support the Senior Credit Officer in planning the development of risk parameters for India Medium Enterprise Business according to Risk Appetite and Policy Frameworks and documents in the relevant Portfolio Guidelines/Risk Appetite Mandates.
•    Support the Senior Credit Officer in the development of business plans with the provision of cost and impairment forecasts and a balanced judgment on the external environment.

Business
•    Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.
•    Maximizing Economic Revenue through effective management of the risk/reward relationships.
•    Maintaining credit quality and standards of professionalism for the risk function.
•    Ensure effective implementation of Group Policies / Circulars / Procedures.
•    Participate actively in any group initiative to improve systems and processes.
•    Regularly attending and making meaningful contribution to the Regional Credit Issues Forum. 

Credit Processes
•    Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
•    Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.
•    Work shopping of new business deals with Business and providing them with new business/product ideas.
•    Highlighting/Approving breaches of Credit Policy and Local Underwriting Standards.
•    Undertake regular customer visits to better understand the business environment.
•    Maintain Turn-around Time of BCA approvals.

Risk Management
•    Ensure compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting. 
•    Ensure full awareness of all the policies & procedures issued in relation to money laundering prevention.  Ensure compliance with these policies & procedures on an ongoing basis and immediately report any deviations to the Supervisor.

Governance 
•    Ensuring compliance with all credit policy and CUS and any divergence to be appropriately highlighted/approved.
•    Ensure EAR process is adhered to and participate in the monthly EAR & ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.
•    Support all portfolio related analysis for various reviews initiated within/outside the country.

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
Internal
•    In country ME/ TWC Head, Relationship Management Teams.
•    Senior Credit Officer /Chief Credit Officer (in-country).

External
•    Executives (including equivalent CRM Units) of other banks.
•    Key Corporate and Institutional relationships in country.
•    Directors/Key contacts in the business community. 
•    Auditors / Government regulators.

Skills and Experience

Credit Risk Management

Qualifications

CA/MBA (Finance)
CCC/CSA

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.