Job Summary

Senior Credit Risk Manager for SME Small Business Lending (SBL) is responsible for the development, governance, and oversight of credit risk strategies, portfolio management frameworks, and credit policies to ensure sustainable business growth within the Bank's approved risk appetite.

The role acts as a key partner to Business, Operations, Product, and other Risk functions in balancing portfolio growth, profitability, and credit quality while ensuring compliance with regulatory requirements and internal risk governance standards.  

The incumbent will drive portfolio performance monitoring, credit underwriting policy enhancements, credit risk analytics, governance oversight, and risk management initiatives across the SME Small Business Lending portfolio, while promoting a strong risk culture and maintaining the integrity of risk-return decision making.

Key Responsibilities

Strategy

• Proactive development and improvement to credit policy management to support and influence Business to maintain portfolio risk appetite within acceptable norms
• Monitor portfolio quality and ensure delinquency and losses are within targets by implementing appropriate credit/ portfolio safeguards
• Embed risk appetite framework in policy decision making clearly outlining the potential risk and rewards

Business

• Work closely with Business to optimize business profitability and volumes with a balanced credit quality.
• Awareness and understanding of the wider business, economic and market environment in which the Group operates

Processes

• Review & provide feedback to management/ Group Risk to ensure practicality & feasibility for the implementation of a robust credit policy
• Continual review, streamline and improve operational procedures and working closely with the various teams to optimise the use of the approval systems and ensure smooth implementation of any policy changes.
• Provide guidance to Credit Initiation Approvers and Analysts in credit evaluation
• Advise Business and Credit Operations on credit related and loan documentation issues.

People & Talent

• Support CCH, Line manager and others in the team on CRM activities, ad-hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities.
• Attend relevant trainings to ensure suitably skilled and qualified for the role.

Risk Management

• Assess the credit risk profile of the SME Small Business Lending (SBL) clients’ business and maintain alignment with risk appetite by rebalancing of risks and controls in response to internal and external factors.
• Uphold the integrity of risk/ return decisions by challenging Business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.
• Ensure credit policies & guidelines are consistently applied and adhered.
• Work closely with Risk Reporting Singapore Delivery (“RRSD”) team to track portfolio thresholds and monitor any breaches so that corrective/ preventive actions can be taken timely.
• Validate MIS data to ensure robust MIS data quality, and integrity of statistics and MIS.
• Act as the Credit Risk control owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for credit risk). Ensure a full understanding of the risk and control environment in area of responsibility.

Governance

• Awareness and understanding of the regulatory requirements.
• Ensure compliance with Group Policy and Standards, local laws and regulations, and controls and procedures of the Bank.

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

Key stakeholders

Internal Relationships:

• Product partners
• Senior Business Heads, Team Heads and Relationship Managers
• Credit Initiation/ Credit Approvers
• Fraud Risk Management team
• Collections team
• Risk COE team
• RRSD, Regulatory reporting,
• Scorecard Model Team
• Lending Ops / CRC
• CDD, where relevant
• Legal, Audit and Compliance, where relevant
• ERR Team
• Senior Risk Management and WRB Risk Team

External Relationships:

• External Auditors
• Regulators
• Valuers
• External System Vendors
• Partnership Vendors

Other Responsibilities

• Perform other responsibilities assigned by line managers from time to time.
• Conduct update sessions with Credit Initiation team / Credit Approvers to ensure they are in full understanding of credit policies, and/or advise on changes/ clarifications.
• Embed Here for good and Group’s brand and values in Country / WRB / Credit Risk Management.

Our Ideal Candidate

• 10+ years of experience in banking or financial services, preferably with expertise in Business Banking / SME lending.
• The ideal candidate should commercially minded and strategic Credit Risk professional 
•  Experience in advanced analytics, programming, and data visualization tools such as SAS, SQL, QlikView, Tableau, and VBA etc is preferred.  
• The candidate should have a bachelor’s degree in Banking, Finance, Accountancy, Mathematics, or a related discipline, and combines it with strong analytical capability, sound risk judgment, and effective stakeholder management skills to influence business decisions and drive portfolio outcomes.
• The candidate should be confident engaging senior stakeholders, providing constructive challenge, and lead risk initiatives independently.

Role Specific Technical Competencies

• Relevant Risk Framework and Controls knowledge
• Credit Policies, Standards and Processes knowledge
• Portfolio and Credit Risk Analysis
• Relevant SME Small Business Program Lending Product Knowledge
• Industry 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.

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