Job Summary

•    This is a VP, Data Scientist role in Standard Chartered CIB Credit Transformation programme. The candidate is expected to serve as Senior Product Owner under Credit AI stream within the CIB Credit Transformation programme. This strategic position will spearhead the development and implementation of AI-driven solutions to enhance credit operations and deliver measurable business value. The successful candidate will combine deep technical expertise in artificial intelligence and data science with proven leadership capabilities and comprehensive understanding of credit risk processes.

Key Responsibilities

•    Ideate->Build->Implement->Evolve advance AI and analytics products with relevant stakeholders, including Product Manager, BA, SMEs, Data Engineers, AI engineers, MLOps.
•    Create AI powered solutions (including Gen AI) 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.
•    Design, develop, and implement generative AI models and algorithms, utilizing state-of-the-art models such as GPTs, LLaMAs, and other frameworks in industrial settings
•    Work with UX team and product managers to convert AI results to actionable outcomes. 
•    Accountable for the delivery of significant internal and vendor-related use cases utilizing AI solutions in CIB Credit Product Enablement.
•    Charged with the innovation, development, and delivery of advanced AI solutions to achieve the business objectives. 
•    Responsible for the quality and fit-for-purpose development of AI solutions.
•    Be responsible for the Backlog Management & Prioritization along with the Stakeholder Engagement & Communication required for the AI initiatives. 
•    Consulted as a subject matter expert on topics of Data Science in Credit, driving AI innovation across Client Coverage.
•    Assess the effectiveness and accuracy of data sources and data gathering techniques.
•    Identify alternate data sources (vendors and open source) with the product manager; work with data org. to onboard and integrate.
•    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

NLP/LLM/Gen AI
•    Design, develop, and implement generative AI Language Models based POCs, utilizing state-of-the-art models such as GPTs, LLaMAs, and frameworks (such as RAG) in industrial settings.
•    A high level understanding of Agentic AI solution.
Artificial Intelligence and Machine Learning 
•    Design and develop AI models and leverage metrics to support predictions, recommendations, automation, and growth strategies.
•    Deep understanding of traditional ML techniques such as: classification, clustering, deep learning, optimization methods, supervised and unsupervised techniques.
Programming
•    Proficient and hands-on on SQL, Python and PySpark and ML libraries. Good understanding of deep learning and NLP architectures and applicability in Banking domain
•    Experience working with both open source as well as vendor platforms like Databricks, SageMaker, AzureML
Data Analysis and Visualisation
•    Scopes and shapes business problems into feasible and specific data analysis problem statements. Interprets data according to defined requirements to obtain business insights, including the use of statistical and predictive modelling techniques and practices for analysis Communicates data findings and insights through data storytelling to key stakeholders through dynamic visual display of data (i.e., visual illustrations, iconographies, graphs, charts)

Qualifications

Education
•    Graduate/PG/PHD
Training
•    Min. 12 Years Of Work Experience
Certifications
•    Gen AI/LLM Training/Certification [good to have]
•    Statistical Modelling [good to have]
Publication
•    AI/ML Publication [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.