Job Summary

This key role is to enhance risk monitoring, identification and mitigation from a centralized level within ME segment, by 
1) oversighting ME portfolio, as well as ongoing management of all applicable TWC/SME account, with all key portfolio risk indicators to be well monitored and controlled, by closely working with risk, CRM and sales team.
2) living up to the most prudent principle of monitoring and control in relevance to ME Credit Policy and all the credit risk sub-types within the WRB Credit Risk Type Framework. 
3), working  closely with frontline business and CA to gain more awareness of potential risk and leading the EA monitoring as well as other monitoring activities through systematic data analysisto cultivate solid foundation of ME risk culture
4) supporting the following-up risk mitigates and account strategies from a view of ‘big picture’, as well as to protect the interest of the bank
5）providing daily training and sharing to enhance SME risk discipline & cultural
6) taking responsibility for risk-reward decisions based on judgment and expertise, to influence business and economic outcomes.

Key Responsibilities

Business:
•    To understand and support ME strategy by uniting client coverage, credit risk, and other functional teams to drive the credit culture transformation from program lending model to corporate/judgemental lending model, helping to set up a risk-aware and client-focused environment for the ME segment’s future phase of growth.
•    To Design controls, assess their effectiveness, and dynamically monitor risk with sufficient controls in position after discussion, while maintaining strong, effective relationships/engagement with stakeholders across all three lines of defence.
•    Risk Insights& lesson-learnt sharing: Provide actionable credit risk insights to all business stakeholders, to help maintain their awareness of the broader business, economic, and market environment.
•    To maintain up-to-date documentation for follow ups and audit trails if needed.

Governance& Regulatory
•    To support the end-to-end lifecycle of audit, assurance, and regulatory reviews related to all accounts’ monitoring, including tracking and remediation.
•    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.

Skills and Experience

Compliance & Control

•    Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff.
•    Contribute towards achieving and maintaining satisfactory audit rating.
•    Contribute towards ensuring that the value stream is fit for growth and have effective controls framework.
•    Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.”
•    Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
•    Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency.
•    Ensure that customer due diligence is properly carried out by RMs, and other anti - fraud checks.
•    Manage the risk of the portfolio on an ongoing basis through proactive monitoring of customers, their transactions, and developments in the general business environment.

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.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles[Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment]* 
•    Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.

Qualifications

•    Sound knowledge of SME/TWC products, services, procedures and regulations, equities markets, and unit trusts preferred.
•    In-depth knowledge of operational risk management and reputational risk management.
•    Excellent analytic, interpersonal and communication skills, ability to observe trend/highlights through data monitoring as well as deal with all levels of people, often in complex and difficult situations.
•    Team player who shows initiative and assertiveness and good leadership qualities to motivate the team.
•    Self-motivator who is keen to upgrade, improve personal knowledge and skills to meet job requirements.
•    Good command of both spoken and written Mandarin and English. 
•    Strong business understanding, credit risk analysis and financial knowledge.

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.