Job Summary

This role could be based in Singapore and India. When you start the application process you will be presented with a drop down menu showing all countries, please ensure that you select a country where the role is based. 

Small Business credit solutions comprise of medium-term program lending products such as Business Instalment Loans (BIL) and Guaranteed Instalment Loans (GIL), as well as long term products such as Loan Against Property (LAP) and Commercial Mortgages (CM). This portfolio of products has grown on sustained basis over the past years. This role is expected to continue to build on this foundation through product and digital process innovation and data-driven portfolio management.
This role will lead the product and portfolio management, including development of new products, enhancements to existing ones, pricing management, product governance, and loan impairment management. This role will also work closely with credit Risk and other stakeholders to design lending standards aligned with the overall strategy of the business, delivering various growth enablers while staying within agreed risk-reward boundaries. The role will involve constant interactions with key markets globally and external partners for collection of market insights to enhance the existing product set.
The role requires in-depth knowledge of the small business client needs, a sound understanding of credit and other risks, familiarity with lending processes and systems, proven leadership skills, and outstanding stakeholder management and communication skills. 

Key Responsibilities

Strategy
•    Participate in the formulation of the SBL Credit strategy at a global and country level, working with the country SBL product heads, country SME heads, and Risk
•    Monitor and evaluate the competitive landscape to build a sustainable SBL lending proposition. 
•    Work closely with country teams and Group Risk to shape the credit appetite and underwriting standards in line with the growth 
     objectives and desired shape of business, while ensuring long term safety and sustainability of the business
•    Continuous improvement and simplification of our lending approach to improve efficiency and scalability. Assess and implement alternative lending models, especially those based on alternate data

Business
•    Own the global P&L for SBL Lending products
•    Develop new lending products, and launch enablers to increase penetration of the existing products, in collaboration with stakeholders in Countries and Credit
•    Continue to refine our program lending approach by increasing use of alternative data beyond the existing practice of using 
     bank & tax statements (e.g. data from accounting systems, eCommerce and Trade Platforms)
•    Manage with Credit the shape of our portfolio to ensure the right risk-reward balance
•    Work with analytics to have appropriate deepening and cross-sell models in place for the lending portfolio
•    Work closely with the Partnerships team to develop bespoke lending solutions for partnership-led client acquisition

Processes
•    Launch Lending products in new markets, based on the attractiveness of the economics, and help the country teams in managing a disciplined launch, including setup of necessary infrastructure
•    Ensure that the necessary campaign discipline is embedded in each key market, including playbook, campaign calendar, and results tracking
•    Minimise the cost: income ratio for SBL Lending through process improvements and channel efficiency

People and Talent 
•    Help develop the lending product managers in country through coaching
•    Help develop product managers training by supporting the Training and Development teams
•    Be in constant touch with the country product managers to offer support and provide guidance on initiatives
•    Regular communication with country product teams for best practice sharing and success transfer

Risk Management
•    Manage with Credit the shape of our portfolio to ensure the right risk-reward balance
•    Optimise RWA on the products using the right models, collateral management and data efficiency. 
•    Optimise cost to income ratio for SBL Lending through process improvements and channel efficiency

Governance 
•    Timely completion of the Lending PPG and the CA process.  All the country deviations need to be documented and approved by the respective governance committee
•    CAD & CET:  work with the markets to ensure CADs and CETs are renewed/regularised on time
•    Work with the audit teams to resolve any issues that may arise
•    Ensure that FCC related risks for the lending products are well-managed, while continuing to find more efficient ways to onboard and manage new lending clients

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

Key stakeholders
•    Group SME Business Team
•    Credit risk and COO teams in group and country
•    Country SME Heads, Product and Segment Teams
•    Credit underwriting function supporting SME segment
•    Modelling and analytics team 
•    BRM and CFCC teams

Our Ideal Candidate

• 10+ years of experience in SME/Business Lending, including product management, digital lending and platforms, portfolio growth, and profitability management.
• Strong understanding of credit risk, lending governance, compliance, and risk-reward optimization.
• Demonstrated ability to develop and execute product strategies, drive innovation, and launch new lending solutions.
• Data-driven mindset with the ability to leverage analytics to identify growth opportunities and improve portfolio performance.
• Excellent stakeholder management and collaboration skills, with experience working across business, risk, credit, and compliance teams.
• Track record of driving process improvements, influencing strategic decisions, and delivering business results in a regulated banking environment.

Role Specific Technical Comptencies

      •    Analytics
      •    Manage Risk
      •    Business - Financial Analysis and Control
      •    Business - Market Knowledge
      •    Business - Products and Processes
      •    Business - Strategy and Business Model
      •    Compliance – Governance, Oversight and Control

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