Job Summary

We’re looking for a seasoned Senior Credit Manager to join our Specialised Finance Risk team within the Corporate & Investment Bank. In this high-impact 2nd Line of Defence role, you’ll oversee complex securitisation and asset-backed finance credit risk across global markets, shape deal structuring, and guide strategic underwriting decisions.

If you’re passionate about credit discipline, portfolio management, and delivering trusted risk opinions in fast-moving scenarios—this role puts you at the centre of high-value decision-making.

The role holder will be responsible for:
•    Managing credit risk within the second line of defence (“2LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Investment Bank (“CIB”).  
•    This opportunity will suit a Senior Credit Officer / Executive Director equivalent profile with the relevant background and +10 years proven expertise in asset-backed financing / securitisation.
•    Experience in warehouse, asset-based finance and traded asset backed securities across geographies and asset type (ABS, CLO, RMBS, CMBS, ABL, ABF).
•    The role will require: 
•    Experience gained from an investment bank or a specialised / structured finance group of a major international organisation and a relevant degree from a top-tier university.
•    Strong understanding of credit risk, financial analysis, structuring, stress testing and jurisdiction risk, and their application in lending decisions for single counterparty credit risk appetite.  
•    Able to manage credit risk appetite with early-stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations.  
•    Early-stage deal screening and due diligence of new transaction requests, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients.
•    Influence structuring for best-in-class underwriting and to achieve successful and timely transaction execution and syndication.
•    Champion business initiatives which promote revenue growth whilst protecting against the downside risk by identifying the short- to medium-term risks. 

Key Responsibilities:

• Maintain and develop the risk capabilities, and skills to meet ongoing business needs and plans.
• Dynamically manage a portfolio of asset classes and credit risk counterparties (often bespoke) in the global portfolio, understand the client by geography, industry, and structural differences.
• Conduct periodic portfolio and transaction stress testing based off dominant rating agency methodologies.
• Pro-actively manage transactions ahead of credit deterioration (Early Alert Review) with detection through portfolio reviews, adhering to industry strategies, market monitoring, and lessons learned. 
• Ensure effective management of the operational risks within the Risk and compliance with applicable internal policies, and external laws and regulations.
• New transaction deal screening and due diligence, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients
•  Influence business and / or support senior credit risk officers for best-in-class underwriting with a deep dive into market analysis and rating agency methodologies.  
• Conduct new transaction request due diligence with expert judgement on asset portfolio risk, structural mitigants, originator and servicer analysis, supporting cashflow stress testing, operational risk assessments and liquidity / asset realisation assessmen.
• Review Business Credit Applications, ensuring these are in line with internal Credit Underwriting Principles, and a timely submission for credit approval.
• Independently critique and recommend / approve credit and rating proposals, in line with defined risk parameters, negotiated credit terms and documentation review. 
  . 

Skills and Experience

• Expertise in securitisation, asset-backed finance, and structured credit (ABS, RMBS, CMBS, CLO, ABF, ABL, warehouses).
• Strong credit risk judgement and decisive opinion under pressure.
• Advanced structuring, financial analysis, stress testing, and portfolio monitoring.
• Translate complex risks into clear recommendations.
• Proven ability to challenge and influence senior stakeholders.
• Strong engagement across 1LoD, 2LoD, and geographies.
• Solid knowledge of credit documentation, underwriting, and regulations.
• Experience managing complex counterparties across regions and assets.
• Insight into market risk, governance, and enterprise risk.
• Experience in policy, control, and portfolio standards.
• Familiar with PRA/FCA requirements and MRT roles.
• Cross-cultural collaboration and global teamwork.

Qualifications

Our Ideal Candidate:

• University degree or equivalent
• Seasoned credit professional in the structured credit markets of asset-backed financing in securitisation.  Experience warehouse, asset-based finance and traded asset backed securities, across geographies and asset type (ABS, CLO, RMBS). 
• Strong understanding of credit risk, financial analysis, structuring, stress testing and jurisdiction risk, and their application in lending decisions for single counterparty credit risk appetite.  
• Able to manage credit risk appetite with early-stage deal screening, detailed due diligence, and timely execution of transactions  with credit memo analysis and independently written Risk recommendations.  
  Experience gained from an investment bank or a structured finance group of a major international organisation.
• Strong English communication (written and verbal).
• Proven leadership, influence, and independent work contributing to team success.

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.