Portfolio Analytics & Monitoring Graduate 2026

As a Portfolio Analytics & Monitoring (PAM) Graduate, you’ll join our PAM team, working alongside our Global Banking team to manage risk, optimise returns, and ensure our lending portfolios remain strong, sustainable and resilient. You’ll be part of our wider Markets team, which helps internal stakeholders navigate complexity, seize opportunities, and manage risk across lending portfolio. From real estate financing and infrastructure financing to acquisition financing, we deliver bespoke solutions that power investment banking transactions.  Financial Markets sits at the heart of our Corporate and Investment Banking business, connecting clients to the capital they need and the opportunities that drive growth.

About the Graduate Programme – how you’ll learn and grow

Join a skills-first organisation where your potential matters more than your background. From day one, you’ll build the skills that matter – through real-world projects, mentoring, and tailored learning journeys.  Our 12-month graduate programme is designed to accelerate your development and set you up for long-term success. You’ll benefit from:

• Structured learning: Classroom training combined with hands-on experience
  
  
• Global collaboration: Work with diverse teams and experienced leaders
  
  
• Skill development: Build technical expertise and professional capabilities

What you’ll be doing

As a graduate in Portfolio Analytics & Monitoring, you’ll help manage the credit risk and performance of a lending portfolio of Global Banking clients.

You’ll work closely with relationship mangers and product partners to understand how each transaction works, assess risk, and ensure the Bank is making well-informed decisions.

This role gives you exposure to a wide range of real-world financing solutions, from commercial real estate and infrastructure projects to acquisition and transportation finance, giving you a front-row seat to see how complex deals are structured, originated, approved and monitored after completion.

You’ll also support credit decision-making by preparing credit papers, reviewing client performance, identifying potential risks early, and helping the Bank manage its portfolio in a responsible and sustainable way.

Responsibilities

• Analyse client financials and portfolio performance to understand risk and return
  
  
• Prepare and support credit approval documents for new and existing deals
  
  
• Monitor client performance, loan conditions, and emerging risks
  
  
• Support new deals by assessing risk and return alongside deal teams
  
  
• Help manage portfolio performance by identifying opportunities to reduce risk or optimise returns
  
  
• Work closely with relationship managers, product partners, and credit teams across the Bank
  
  
• Contribute to reporting, sustainability initiatives, and regulatory requirements.

Bring the skills and we’ll help you build your career

We believe that diverse skills drive innovation, which is why we welcome students from all degree disciplines and encourage applicants from diverse backgrounds. You’ll be:

• A final-year student, graduating by July 2026
  
  
• Legally eligible to work full-time in the country you’re applying to.
  
  
• A team player with strong academic performance and extracurricular achievements.
  
  
• Analytical, numerate, and detail-oriented.
  
  
• Adaptable and resilient in fast-paced environments.
  
  
• Curious about global markets and driven to make an impact.
  
  

For technical roles, we particularly value backgrounds in business administration, finance, economics, real estate, accounting and financial engineering.

Key Dates

• Assessment Centres: Mar 2026.
  
  
• Start Date: July 2026.

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers