Job Summary

•    Uphold the integrity of the Group’s risk/ return decisions for Wealth & Retail Bank (WRB) Kenya by ensuring credit risks arising from Retail Banking are properly assessed, transparently decided and controlled in line with Group standards and risk appetite.
•    Ensure the Risk Management Framework, credit policies, governance routines and related reporting processes are effectively communicated, implemented and embedded across the Kenya Credit function.
•    Exercise credit risk approval authority for the Retail Clients business and lead end-to-end WRB risk management for Kenya, including portfolio oversight, controls, stakeholder engagement and regulatory conduct.

Credit Risk Strategy and Governance

•    Inform business planning through cost and impairment forecasts, balanced assessment of the external environment, and advice that supports disciplined growth within risk appetite.
•    Design, maintain and communicate credit risk control parameters, including policies, control standards, exposure limits and other levers that keep the Retail Banking risk profile aligned to Group appetite.
•    Ensure material risk exposures, emerging issues and management responses are escalated to the appropriate governance forums and committees.

Business, Processes and Risk Management

•    Supervise relevant first-line-owned processes within the Credit function and ensure operational risks are effectively managed in compliance with internal policies, laws and regulations.
•    Assess the credit risk profile of the Retail Banking business, initiate stress testing and scenario analysis, and ensure management response plans are in place for extreme but plausible events.
•    Exercise assigned credit authorities with sound judgement, considering concentration risk across sectors, geographies and markets, and assign risk authorities to suitably skilled individuals.
•    Maintain effective relationships with regulators and key external stakeholders, ensuring credit risk management expectations are understood and reflected in internal processes.

People and Talent

•    Set direction and drive high performance by translating strategy into clear direction, aligning individual goals to team outcomes and providing regular, constructive feedback.
•    Develop talent and capability through coaching and career conversations that build critical skills, stretch potential and prepare individuals for future opportunities.
•    Lead by example by role-modelling the Bank’s valued behaviours, upholding strong risk and conduct standards, exercising sound judgment, and creating an inclusive team culture that supports wellbeing, values diverse perspectives, and drives accountability.

Stakeholder, Conduct and Regulatory Responsibilities

•    Partner with country, regional and Group stakeholders including the Country CEO, Country WRB Head, Retail Banking leadership, Credit Initiation, Risk Operations, Fraud Risk, Group Internal Audit and policy teams.
•    Display exemplary conduct, live the Group’s Values and Code of Conduct, and lead the Kenya Credit unit to deliver the Bank’s Conduct Principles.
•    Identify, escalate, mitigate and resolve risk, conduct and compliance matters collaboratively and in a timely manner.

Motivations

•    Creating strong, well-controlled credit outcomes that balance client needs, business growth and prudent risk management.
•    Leading and developing high-performing teams, building future leaders and strengthening risk capability across the Kenya Credit and Collections function.
•    Solving complex credit, conduct and governance challenges through collaboration with senior internal stakeholders, regulators and external partners.

Skill Requirements

•    Sound knowledge of Risk – Retail and PB Credit Risk; Retail Operational Risk; Retail Reputational Risk
•    Leading Across Cultures and People Management skills
•    Stakeholder Engagement
•    Knowledge of Collection Strategy
•    Communication and Influencing skills
•    WRB Product Knowledge 

Key Experiences    

•    Senior credit risk leadership experience within Retail Banking, including portfolio risk oversight, credit decisioning, risk appetite management and governance.
•    Experience leading people and building credit risk capability across teams, including direct management of managers/specialists and development of future leaders.
•    Strong stakeholder management experience with country, regional and Group leadership, regulators, credit bureaus, auditors and governance committees.
•    Demonstrated experience embedding risk management frameworks, operational risk controls, policy compliance and conduct standards.

Certifications / Qualifications

•    CCRC, Risk Leaders Bootcamp and ACRM.
•    Trainer experience for Collections and Credit Risk Management.

Languages

•    English; local language capability relevant to Kenya market engagement is beneficial.

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.