Job Summary

Location: Paris or London

We are looking for an experienced Senior Credit Manager to join our Specialised Finance Risk team, based in either Paris or London. This is a senior Credit Risk role offering significant exposure to complex specialised finance transactions, primarily Infrastructure & Project finance, across an international platform. You will act as a trusted risk partner to the business, providing independent credit judgement, constructive challenge and oversight while helping ensure that growth is delivered within the Bank’s risk appetite. With delegated credit authority, you will play an important role in evaluating and approving lending transactions and maintaining the quality of the credit portfolio. The role partners closely with the Chief Credit Officer and Front Office teams to support business growth while ensuring strong risk discipline.

Key Responsibilities:

• Perform Second Line of Defence oversight for Credit Risk, providing effective challenge to First Line risk management activities.
• Partner closely with Client Coverage, Product Relationship Managers, Credit Analysts and senior business leaders.
• Assess complex credit proposals, challenging assumptions and ensuring that risk and return considerations are appropriately balanced. 
• Ensure credit applications provide high-quality, comprehensive analysis and capture the information required for effective credit risk assessment and measurement. 
• Undertake customer visits, where appropriate, to deepen understanding of businesses, sectors and the broader operating environment.
• Make independent credit decisions on wholesale lending within delegated credit authorities or/and support to Credit Committees for approval where required. 
• Monitor the quality and performance of the credit portfolio against the Group’s Risk Appetite, Credit Policy and applicable Portfolio and Underwriting Standards. 
• Apply sound judgement across sectors, geographies and markets, taking account of concentration and emerging risks. 
• Support stress-testing activities and assess the implications of internal and external developments for the portfolio. 
• Identify signs of credit deterioration early and work with Relationship Managers and relevant restructuring or special assets teams to determine appropriate actions.

Qualifications

• Extensive experience as a Credit Manager, in banking/financial services, including recent tenure in a credit approval or credit analyst capacity 
• Strong Infrastructure and Project Finance sector expertise with proven track record of assessing complex credit transactions. 
• Additional experience in other Specialised Finance products such as Leveraged Finance, Commercial Real Estate, Data Centres, Shipping or/and Aviation, is beneficial but not mandatory. 
• Experience operating within established international financial institutions, with a strong understanding of global credit standards and frameworks 
• Deep understanding of structured finance, risk assessment, and credit underwriting, with the ability to evaluate complex deal structures and mitigate risk effectively. 
• Strong collaboration skills, working closely with front office, risk, and senior stakeholders to support sound credit decision-making.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.