Job Summary

The Senior Manager, Credit Risk Reporting leads the delivery of trusted, decision‑useful internal and regulatory credit risk reporting for CIB, turning complex data into meaningful insights for senior executives and governance bodies. Acting as a strategic partner to the CIB Credit Risk team, the role shapes reporting and MI capabilities to support effective risk management and regulatory compliance.

This role works in close partnership with First and Second Line teams and holds full accountability for the CIB Credit Risk Reporting and MI function, driving quality, insight, and continuous improvement across the reporting lifecycle.

Key Responsibilities

Strategy*

• Define and translate the reporting and MI requirements of credit risk stakeholders, senior management, Board and regulators into effective, efficient and decision‑useful CIB credit risk reports in production.
• Drive sustainable BAU efficiency through automation, standardisation and selective outsourcing to GBS, while maintaining strong quality and control standards.
• Align credit risk reporting and MI delivery to the Risk and CFCC business strategy, enabling data‑driven decision‑making for CIB leadership and governance forums.
• Lead innovation in data usage, analytics and digitisation, championing adoption of best practices across Global, Regional and Country reporting teams.
• Provide effective oversight of offshore analytics and reporting teams, ensuring delivery against agreed outcomes and a robust control agenda.
• Continuously strengthen the control environment and compliance culture across credit risk reporting.
• Lead adoption of new ways of working, including hybrid operating models, constructively challenging existing norms to drive process efficiency and cost optimisation.

Business*

• To lead the credit risk reporting team for CIB and ensure the following:
  • Team delivers quality reports in a timely manner with analytical insights for both internal and external stakeholders
  • Build stronger relationship with all stakeholders
  • Provide subject matter expertise and address ad-hoc reporting requirements
• Credit Exposure Measurement & Control
  • To measure, monitor and report credit Risk Appetite exposure against the thresholds for CIB
• Manage reporting and MI tools for CIB
  • Partner with finance and risk infrastructure teams to provide business requirement and conduct UAT
  • Continuously work towards improving risk data quality with infrastructure and other risk teams

Processes*

• Support and integrate with the QPR / Refinement Forum to set and manage delivery priorities across Business and Functions.
• Support strategic initiatives and projects in building clear, compelling cases for change.
• Ensure transition to BAU, adoption and onboarding are embedded into Definitions of Done for all initiatives.
• Identify and deliver opportunities for self‑service, automation and reuse across reporting solutions.
• Drive improvements to the efficiency and effectiveness of onboarding, adoption and integration processes.
• Ensure regulatory requirements, Group and Business policies are embedded end‑to‑end, including implementation of CSTs, KCSTs, KRIs and monitoring plans.
• Standardise, simplify and consolidate processes; retire obsolete and legacy streams and perform horizon scanning to anticipate future reporting and regulatory needs.

Key responsibilities

People & Talent*

• Ensure the function is appropriately resourced with capable, independent professionals to deliver against objectives.
• Build future‑ready capability through training, development and professional accreditation.
• Set clear accountability, authority and performance expectations for direct reports.
• Provide strong leadership, coaching and performance management, fostering high engagement and delivery excellence.
• Own team structure, capacity planning and succession, with clear growth and development pathways.
• Lead by example, embedding the Bank’s values, priorities and culture, and actively promote diversity and inclusion.
• Establish strong onshore-offshore collaboration, supported by regular retrospectives and 360‑degree feedback.

Risk Management*

• Hold end‑to‑end accountability for identifying, assessing, monitoring and mitigating risks within Credit Risk Reporting.
• Ensure losses, risk events, policy deviations, KCST and KRI exceptions are recorded, reviewed and escalated appropriately.
• Engage relevant stakeholders to ensure timely remediation of material risks.
• Maintain and regularly review the QA framework in line with prevailing policies and standards.
• Develop, maintain and test BCP and DRP plans at the required frequency.
• Ensure compliance with data risk standards, including data quality, secrecy, privacy, records management, AI ethics and BCBS 239

Governance*

• Ensure operational risk compliance across team activities
• Manage internal and external audits, including remediation actions.
• Ensure compliance of BCBS 239 regulations for CIB credit risk reporting
• Identify process and operational gaps and initiate change to mitigate risks and strengthen controls

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 the Credit Risk Reporting 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*

Internal

• Group Risk Framework Owners
• Group and Regional Risk Teams, including Chief Risk Officers
• Country Risk Teams
• Global Head CIB Credit Risk
• Business (Credit Portfolio Management) / Front office
• Chief Finance Officer, Risk and Compliance   
• Enterprise Risk Management
• Risk Data Strategy
• Risk Infrastructure and Change Management
• Technology
• Data Governance
• BCBS 239 Programme Team
• Group Internal Audit

External

• Bank of England
• Prudential Regulation Authority (PRA)
• Other regulators, as required

Role Specific Technical Competencies

• Analytical Thinking
• Data Science
• Credit Risk
• Market / Liquidity Risk
• Operational Risk
• Manage People
• Communication and Influencing Skills
• Manage change

Our Ideal Candidate

• Bachelor’s or master’s degree in a quantitative field such as mathematics, statistics, economics, finance, computer science or a related discipline
• Knowledge of regulatory frameworks and Banking regulations, more specifically related to Credit RWA, IFRS9 ECL
• 12 + years of Experience in Credit Risk Analytics, Risk Appetite, and Risk Reporting is essential.
• Experience of working with multiple stakeholders; Managerial Information design and operation.
• Experience of working under pressure to produce high quality reporting in a highly controlled environment
• Demonstrate success in delivering high volume, goal-based production/ operations environment
• Strong written / oral communication and influencing skills with the ability to effectively convey complex technical concepts to both technical and non-technical audience

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.