RESPONSIBILITIES

Strategy
•    Execute a comprehensive risk management strategy for retail secured products, ensuring alignment with the bank’s overall strategic objectives.
•    Define and monitor the risk appetite for retail secured products, ensuring it is in line with the bank’s risk tolerance and regulatory requirements.
•    Align risk management strategies with the overall business objectives and regulatory requirements.
•    Continuously monitor and update risk management frameworks to adapt to market changes and emerging risks

Business
•    Conduct thorough risk assessments of all retail secured products, identifying potential risks and developing mitigation strategies
•    Collaborate with business units to integrate risk management practices into product development and lifecycle management.
•    Provide risk insights and analytics to support business decision-making.
•    Ensure that risk management practices support the growth and profitability of the retail secured product portfolio.

Processes
•    Develop, implement, and continuously improve risk management processes and procedures for retail secured products
•    Establish robust monitoring and reporting mechanisms to track risk exposures and the effectiveness of risk controls.
•    Ensure that all risk management processes are efficient, scalable, and compliant with internal and external standards.

People & Talent
•    Lead and manage a team of risk professionals, fostering a culture of high performance and continuous improvement.
•    Ensure the team has the necessary skills and resources to manage risk effectively.
•    Identify and develop talent within the team, providing coaching, mentoring, and training opportunities to build a strong risk management capability

Risk Management
•    Identify, assess, and mitigate risks associated with retail secured products, including credit risk, market risk, operational risk, and compliance risk.
•    Utilize advanced risk management tools and models to quantify and manage risk exposures effectively.
•    Develop and implement risk mitigation strategies and controls.
•    Monitor and report on risk exposure and performance against risk appetite

Governance
•    Ensure all risk management activities for retail secured products comply with relevant regulatory requirements and internal policies.
•    Establish and maintain a robust governance framework for risk management, including policies, procedures, and risk committees.

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

Country Relationships:
•    Risk family (P&G, compliance, Legal, Secured CRM)
•    Risk Operation team include CO , CI,and Collection
•    WRB product team include ML and WML
•    ITO
Group Relationship
•    Secured CRM include ML and WML
•    P&G
•    WRB reporting team
External
•    JCIC
•    CBC
•    Appraisal company

Other Responsibilities
Embed Here for good and Group’s brand and values in Taiwan WRB Risk; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Qualifications
•    Education     Bachelor's degree in Finance, Business, Risk Management, or a related field. Advanced degree preferred.
•    Training     Comprehensive knowledge of credit risk management principles and practices.
•    Understanding of secured lending products and associated risks.
•    Continuous professional development in regulatory and compliance requirements.
•    Licenses     Relevant financial or risk management certifications (e.g., CFA, FRM, PRM) is preferred..
•    Any required state or national licenses for financial professionals.
•    Membership     Participation in industry forums and networks to stay updated on best practices and emerging trends is prefered
•    Certifications     Relevant financial or risk management certifications (e.g., CFA, FRM, PRM) is preferred..
•    Languages     Proficiency in English (mandatory).

Role Specific Technical Competencies
•    Risk Management Expertise
•    Regulatory Compliance
•    Credit Risk Analysis
•    Product 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.