Job Summary

•    You will become part of the product chapter and will work as Product Owner for Credit Analytics on CIB Credit Transformation programme; your primary area of focus will be the Credit Analytics workstream. Credit Transformation is a key strategic agenda for CIB to uplift the core credit platform, drive end-to-end digitization and deliver a fully digitized, data driven Credit Origination and Monitoring solutions, leveraging internal & external data, and Analytics capabilities.
•    We are a business-first team with diverse skillset across coverage, risk, product management and technology, who work with frontline and Credit SMEs to find Analytics driven solutions to business problems and are ably supported by BAs, engineers, DevOps and QA testers from our squads.
•    The Credit Analytics workstream is a big part of this agenda and works to leverage structured/un-structured data ingestion from multiple sources, data engineering and visual analytics to deliver products that drive better business outcomes. Some work includes providing credit users with insights and early credit risk alerts.
•    Upcoming work involves completely re-writing the Credit Analytics to leverage advance analytics techniques and providing insights using timely data, through clear, relevant, and easy to comprehend dashboard and reports - enabling early interventions, reduced defaults, improved efficiency, timeliness, and accuracy with automation. 

Key Responsibilities

•    Working with the product manager, BAs and SMEs, you will take new ideas from the pipeline, develop POC solution (where required) and then take them to production-ready solutions. You will have the ownership of Credit Analytics platform and be hands-on in ideating, developing, evaluating, and deploying Analytics solutions (by identifying users need, relevant data sources, data ingestion, data engineering, dashboarding deployment, documentation, monitoring) to a live serving env.
We are looking to hire senior candidate for this role to:
•    Ideate->Build->Implement->Evolve advance analytics products with relevant stakeholders, including Business, Product Manager, SMEs and Engineers. 
•    Assess the effectiveness and accuracy of data sources and data gathering techniques (real-time/batch, structured/un-structured).
•    Lead advance analytics powered solutions that have business outcomes like reduced TAT, Credit process efficiencies, reduced LI for the bank through early warnings on portfolio credit health and better visibility of client profile by understanding their transactional flows and business patterns.
•    Work with UX team and product managers to convert analytics results to actionable insights and outcomes. Be able to suggest data presentation methods for meaningful and easy consumption by business users. 
•    Able to understand credit processes and suggest effective workflow changes where required based on the user requirement.
•    Identify alternate data sources (vendors and open source) with the product manager; work with other teams to onboard and integrate various data. 
•    Be able to experiments with data and able to identify and present meaningful insights
•    Develop and implement processes and solutions for technical and functional performance monitoring, user feedback-driven improvements.
•    Present proposals and results in a clear manner backed by data and coupled with actionable conclusions.

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
•    All business and Credit stakeholders that are impacted or involved with Credit Lifecycle
•    Credit Transformation Programme Manager
•    Credit Transformation team
•    Client Coverage COO
•    Technology team
•    Credit Policy
•    Credit Process Owners
Other Responsibilities
•    Leverage the opportunity provided by Corporate Social Responsibility to enhance the Group’s internal and external reputation and indirectly influence the bottom-line.
•    Promote the Group’s brand and Here for good with clients and regulators.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    Maintain effective communication with key stakeholders, including regulators and staff

Skills and Experience

Data Analytics and visualization 
•    Scopes and shapes business problems into feasible and specific data analysis problem statements. Interprets data according to defined requirements to obtain business insights, and communicates data findings and insights through data storytelling to key stakeholders through dynamic visual display of data (i.e., visual illustrations, iconographies, graphs, charts)
Data Engineering
•    Able to identify the need and suggest correct methods for real-time/batch structured/unstructured data. Connect different data sources together, perform data cleansing and transformation and generate meaningful insights for the users.
Programming
•    Proficient and hands-on experience on SQL, Python and Dashboarding tools  
•    Able to create simple interactive dashboard/UI to present analytics output during POC phase 
Structure data Analysis
•    Applies systematic statistical and numerical analyses to interpret complex data sets to derive data-driven measurements and predictions of trends / risks
Unstructured data Analysis
•    Understanding of NLP, LLM capabilities and applicability in Banking domain

Qualifications

Education
•    Graduate/PG/PHD
Experience
•    Min 8 Years of Work Experience
Training/Certification
•    Advance analytics [good to have]
•    Statistical modelling [good to have]

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.