Cross functional Training
      Service Reviews
      SLA adherence
      First Hand days
      Monthly meeting With Policy/ process control to discuss deliquent 
•    Effectively manage and handle escalations/process breaches received 
•    Help team improve their efficiency in assessment of applications by providing suggestions on complex deals

Strategy
•    Lead and co-ordinate the efforts to develop, deploy and optimize credit initiation servicing strategy and processes.
•    Providing high level of data input and quality output through exercising of quality credit decisions, within CAD guidelines.
Business
•    Work with Country Management, Business Partners, Product Partners and other Risk team members to optimize performance and resource allocation. 
•    Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations. 
•    Identifying and reporting all weaknesses inherent in the standard controls  

Processes
•    Coordinates development of the design, management and adherence of key  operating controls and levers that improve credit initiation efficiency and customer experience.
•    To ensure underwriting of New Unsecured Loan Applications, Credit Card applications. as per policies in Credit DOI and Bulletins, adhering to strict time deadlines (TAT).
•    To exercise complete discretion in decisions on the responsibilities vested and other tasks assigned.  
•    To always perform while balancing risk with innovation.
•    Ensure capacity is adequate to support country processing, and that linkage between capacity planning, volumes and expenses remains robust at all times
People & Talent
•    This is a non-People leader role however conducting training to new joiners and connect with team to explain changes would be part of this role.

Risk Management
•    Catalogue and document all tests, strategies and outcomes implemented in Credit Initiation. 
•    Discretion to analyse and accept employment, Income, scorecard defers, application/behaviour scores, valuation risk ratings outside of policy (within CAD guidelines)
•    All the 3 p’s of the respective country and regulatory condition are adhered while decisioning the application , to manage risks 
•    To comply with the bank’s requirements of AML monitoring/reporting, KYC and all policies related to the group reputation risk.
•    Relevant DOI/Bulletins are checked before processing a request, in case of any exception the same is pended/rejected and reported.
•    Take ownership for the identification of the risks and rectify as necessary depending on the circumstances.

Governance
•    In the event of serious regulatory breaches, policy breaches or where credit appetite have been breached, ensure senior management are informed and that actions are taken quickly to remediate and/or activities are ceased
•    Identifying and reporting all exceptions on non-compliance with standard controls Service level are to be checked and monitored and ensure there is no breach
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
•    Retail Risk Operation- Credit representatives in group and country.
•    Group Side, process control 
•    Head Client Onboarding
 Other Responsibilities
•    Embed Here for good and Group’s brand and values in [AME-Credit Initiation]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); [Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

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.