JOB SUMMARY

Strategy

The role holder is responsible for supporting the development & execution of Global Personal Loan (PL) Strategy and operate within the context of the wider global Credit Cards & Personal Loans (“CCPL”) strategy. 

This includes translating these strategies with the relevant region and country level stakeholders into execution activities.

Business

The role holder will support the Global Personal Loan team in managing PL product, overseeing Personal Loan business, distribution strategies and delivery technologies that satisfy the needs of the business, in compliance with all applicable regulatory requirements, including:

•    Leveraging analytics and collaborating with regional and country teams to track portfolio performance and identify opportunities for performance enhancement.

•    Be commercially aware and ensure that product profitability and risk is tracked, communicated to stakeholders as necessary and enhanced as required

•    Leveraging advanced analytics and collaborating with risk teams to define and track the risk appetite for Personal Loans

•    Deploy, track and ensure that portfolio management strategies are return accretive and work closely with analytics / finance to generate the required content with accuracy and relevance as required

•    Support balanced growth and return optimization by setting product and portfolio standards.

•    Support balanced growth and returns optimization by and life cycle portfolio management tools including top-ups, margin, cost and return management, and coding these into PPGs.

•    Collaborate with key stakeholders to help develop relevant products and propositions for the target client segments.  Defining and executing Personal Loan product strategy, managing both the shelf as well as back-books

Work closely with:

•    Analytics  
•    Finance  
•    Risk
•    Platforms and Technology
•    Country teams

to create global scale and innovation to manage the business profitably

Processes

The role holder is responsible for:

•    Engaging with risk control owners and / or group policy owners for the implementation of policies and control standards set by them

•    Ensuring appropriate procedures and controls are in place to operate within the group credit and operational risk tolerance and appetite

•    Defining and driving global (versus local) regulatory and compliance standards for managing PL customer relationships and working closely with markets to ensure they are met

•    Reinforce the right conduct culture in managing PL customer relationships

•    Execute the framework for PL set by the Global PL team to track effectiveness and efficiency

•    Collaborate across the organisation to identify, prioritize and design processes for rationalization, simplification, standardization and digitization for effectiveness, efficiency and market relevance

People and Talent 

•    Lead through example and build the appropriate culture and values. Set appropriate tone and expectations and work in collaboration with partners.

•    Ensure holders of all critical functions are suitably skilled and qualified for their roles, including effective supervision in place to mitigate any risks.

Risk Management

•    Collaboratively partner with risk teams to ensure risk management procedures and processes are effectively implemented to operate within operational and credit risk appetite.

•    Partner with country CCPL teams for a robust risk management environment by identifying key risks and issues and ensuring effective mitigating procedures and controls are implemented.

•    Work collaboratively with countries and functions to ensure any audit findings are suitably rectified.

Governance 

•    Develop and implement a clear structure of accountability to ensure team members can perform their roles successfully and there is clear oversight and decision making, including by relevant Committees.

•    Take responsibility for assessing the effectiveness of arrangements to deliver effective governance, oversight and controls in business, and if necessary, oversee change in these areas.

•    Maintain an awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role.

•    Take responsibility for delivering ‘effective governance’ and to challenge fellow executives effectively

•    Manage and ensure the Business Continuity is in place and is followed as required in markets/ partners

•    Work with regulators in an open and cooperative manner.

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.

•    Assist Global Personal Loans Team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.

•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

•    Global Head of Personal Loans and Partnerships

•    Country CCPL Heads

Other Responsibilities

•    Leverage the opportunity provided by Corporate Social Responsibility to create positive impact.

•    Embed here for Good and Group’s brand and values across the retail bank.

•    Perform other responsibilities assigned under Group, Business, Function, Region or Country policies and procedures.

Our Ideal Candidate
•    10+ years of experience in Personal Loans Product

Role Specific Technical Competencies

•    Product Management

•    Governance and Conduct
•    Risk Management
•    Analytics
•    Financial Management

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