Job Summary

•    Perform Account Monitoring for BWC and WM and ensure portfolio risk management activities are done based on the Group and Country requirements. 
•    Ensure compliance to monitoring standards for both BWC and WM
•    Active participation in periodic reviews with Collections and Early Alert Management teams
•    Prepare and review daily monitoring reports under BWC/WM portfolio and ensure effective follow up with Business and Collection on implementation of necessary actions;
•    Drive the in-country BWC Account Monitoring Automation project initiated by Group. This include the UAT and UVT, provide feedback, liaise with Project Team in rectifying the error, sign off and ensure its production.

Key Responsibilities

Strategy

•    Ensure WM and BWC Risk Monitoring different types of exceptions are monitored on daily/Weekly/Monthly basis.  
•    Facilitate identification of the risk and take preventive action to regularize the delinquent account and execute other action like Limit drop / CRG downgrade & handover to Collection team. 
•    Key activities for WM are shortfall monitoring, good/bad status accounts review, LTV management and impact analysis, collateral lien management, concentration level management, limit excess monitoring, jointly conduct annual renewal and other adhoc activities due to movement in market. 
•    Key activities for BWC are excess / DPD (Daily Past Due) management, FX (Foreign Exchange) monitoring including MTM, collateral management, monthly ASTAR (Accounts Subject To Additional Review) monitoring and preparation, OPAC (Operation Account) churn and utilization monitoring and BWC Dashboard preparation. 
•    Implementation of deliverables within the risk appetite framework is delivered in a timely manner.
•    Perform gap analysis per group policies and standards and adopt accordingly in-country or obtain dispensation in a timely manner.
•    Ensure continuous compliance to all Regulatory requirements which are to be incorporated as appropriately into the policies & standards

Business
•    Business Banking Portfolio Management covering TTD and portfolio segmentation, collection review, Security Documentation Deficiency review etc.
•    Perform Account Monitoring for BWC and WM and ensure shortfall cases/ limit excesses are regularised within timeline 
•    Ensure compliance to monitoring standards governed by GPN, i.e.: OPAC Churn Rate, Excess and Past Due, ASTAR and etc;
•    Active participation in periodic reviews with Collections and pro-actively take necessary remedial action on policies as necessary.
•    Coordinating effective ASTAR report preparation, monthly ASTAR reviews and CIC update;
•    Prepare and review daily monitoring reports under BWC/WM portfolio and ensure effective follow up with Business and Collection on implementation of necessary actions;
•    Drive the in-country BWC Account Monitoring Automation project initiated by Group. This include the UAT and UVT, provide feedback, liaise with Project Team in rectifying the error, sign off and ensure its production.

Processes

•    Provide Support to CRM, Marketing and Sales Initiatives and Other Support Centers e.g.: Credit Initiation, Collection Operations, and Risk PM&F etc.
•    Provide necessary support to front liners in existing and new product initiatives;
•    Maintain effective working relationship with Credit Initiation and CRM to seek areas of improvement for KPI measurements on approval rates;
•    Support initiatives for periodic portfolio feedback sessions with other department as well as other countries offering BWC/WM products. Learning and best practices to improve current and future activities;
•    Work with Group Risk and Country Risk MIS team to enhance BWC/WM MIS for effective account monitoring and portfolio tracking.
•    Work with Group and Country stakeholders on the implementation of BWC / WM Account Monitoring Automation project.

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.
•    Ensure adherence to local regulatory issued by BNM and any governing authority.

Stakeholder management

•    Credit Risk Management – to provide support to Country and Group CRM teams on meeting the requirements guided in policy and underwriting standards for BWC and WM
•    Credit underwriter - Feedback on exceptions noted and key lapses in Credit Initiation processes
•    Business Product & Governance Managers - Initiation of new lending products, review of portfolio performance
•    CBRA Teams - Procurement and enhancement of MIS for portfolio analysis
•    Legal and Compliance - Interpretation of and consultations on regulatory requirements
•    IS & IT personnel (Local and Group) - System Implementation, enhancement, user requirements and reporting requirements.
•    Managers in CAA Team - Interpretation of and consultations on Credit Initiation Quality Assurance matters.
•    All unit managers / unit head within Credit Centre - Dealing of all credit related issues

Skills and Experience

•    Bachelor’s or master's degree from recognised university.
•    Candidate with 5 to 8 years experience in credit risk management in a financial services industry role related to risk management and portfolio analysis is preferred.
•    Business correspondence skills with excellent proficiency of English – written and spoken.
•    Demonstrate proficiency in Microsoft 365 applications.
•    Strong analytical are required (Advanced Excel/VBA, SQL) to build tools that will help in carrying out the responsibilities in this role.

Role Specific Technical Competencies

•    Excel, analytical Skills
•    Communication and interpersonal skills
•    Credit Risk Management Experience/Skill 

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.