Job Summary

To meet objectives set by the Group, Company & Department through: 
Consistent high-quality performance in work with emphasis on accuracy, TAT & productivity.
Consistent high-quality service to customers (outside & within).

RESPONSIBILITIES
Product / Domain Knowledge 

•    Able to perform Operations work which are straight forward and repetitive
•    Has basic understanding of processes and products
•    Should possess basic knowledge of Lending business guidelines
•    Possesses and applies basic expertise to his area of work
•    Keeps up to date with changes to products and  processes
•    Should be aware on the process changes communicated by TL / Unit Manager

Process Management 

•    Able to quickly adapt to changes with regards to process, projects etc
•    To positively respond to the pace of change and able to execute given tasks and actions in order to meet business goals.
•    Deliver required output in TAT and Accuracy
•    To ensure that all Instructions related to unit are processed within the agreed timeliness and accuracy as specified in the SLA with country 
•    Processing and decision making as per the Process Note / Departmental Operating Instructions manual and group standards as applicable
•    To ensure that errors highlighted are rectified or reported on the same day of errors identified
•    To report / escalate exceptions to the Supervisors
•    To identify and report all exceptions on non-compliance with standard controls
•    To identify and report all weaknesses inherent in the standard controls
•    To report system/applications issues on time
•    To exercise complete discretion in decisions on the responsibilities vested and other tasks assigned.  
•    To always perform while balancing risk with innovation.

Key Responsibilities

Capacity Planning

•    Possess ability to understand the work plans and organizes their own work effectively
•    Able to identify sudden changes at processing level 
•    Raises issues when they see the task is at risk
•    Completes work as assigned

Operational risk Management

•    Understands what the various risks are at maker level and some of the mandatory actions that need to be performed. 
•    Escalates issues to senior management within parameters of role
•    Describes the fundamentals of operations risk 
•    Awareness on Lending related fraud / account take over fraud
•    Comply with Group / Country business Guidelines and adhere to the relevant Controls and Checks
•    Take ownership for the identification of the risks and rectify as necessary depending on the circumstances.
•    Money Laundering Prevention
•    Responsible for any Money Laundering & Suspicious Transactions. Responsibilities also include the reporting of any suspicious transactions. 
•    Ensures that appropriate internal controls are in place and operating effectively.
•    Staff should follow the code of conduct strictly, ensure the client information is secured and protected from leaking.

Behavioural Capabilities
Precision Accuracy
•    Performs tasks accurately and thoroughly; double-checks the accuracy of the process 
•    Handle all transactions as per the laid down policies and procedures.
•    Able to understand what "quality work" is and should strive to contribute towards it.
•    Upholding the values of the Group and Company always
•    Adherence to Service Level agreements & ensure to have NIL Pass 2 errors & NIL customer complaints/breaches
•    To report accurate data in PS Tool and to report accurate data/MIS to the management
•    Compliance with all applicable Rules / Regulations of the Company and Group Policies and adherence to the Organization’s Code of Conduct
•    Incorporate own creativity and innovation into the assignments and develop the work product further.
•    Work independently on the strategic goals and attain operational implementation of the same by using own discretion and innovation.
•    Degree of care and caution to be exercised throughout the performance at work, specifically on account of the nature of work.

Client Centric 

•    Able to create impact directly or indirectly through professional behaviour and appearance.
•    Understands that the action he/ she does has an impact on the customer directly or indirectly and be responsible/accountable for the actions undertaken.
•    Understands basic customer service requirements and relates error free processing to customer service
•    Responds promptly in an efficient and accurate manner as per the required TAT Communication 

Communication

•     Ability to communicate clearly so that understood by the recipients.
•     Ability to understand instructions and written documentation clearly and accurately

Problem Resolution

•    Understands the situation and perform right escalations
•    Being able to provide data for performing root cause of the problem
•    Ability to speak up when in disagreement and opposition 
•    Ability to understand the existence of crisis and conflicts
•    Able to work in a team with good interpersonal skills
•    To anticipate potential challenges in the overall and day-to-day responsibilities vested and develop contingency plans in alignment with the Bank’s objectives and goals.

Managerial Capabilities
Stakeholder Management

•    Understands and knows who the stake holders are and meets SLAs.
•    Able to provide timely and accurate response to queries / request raised by Stakeholders

People Management

•    Able to cooperate and work as a team in an open and approachable style.
Be good team player taking team’s goals in to consideration.

Change Management

•    Understands the need for change and willingly accepts it
•    Able to quickly adapts to changes with regards to process, projects, behaviour etc
•    Ability to look beyond self-interest to collective interest
•    To positively respond to the pace of change
Data Analytics

•    Able to analyse the process to understand the dimensions of the job
•    Co-relate all the inputs, analysis and summarize the findings.
•    Able to analyse the trends and patterns vis-à-vis the duties and responsibilities entrusted.
•    Always on the lookout to improve the processes and policies of data analytics

Strategy Formulation & Implementation

•    Understands the strategies and priorities of the organization
•    Able to execute actions that will contribute towards achieving business strategies
•    Generating action plans for strategy implementation
•    Ensure compliance with relevant laws, regulations, and internal policies.
•    Autonomy to take decisions specific to the duties and responsibilities entrusted for improvement in the assignments to be performed.

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.
•    Lead the [WRB CN Lending] 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.] * 
•    [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation].
[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
•    Serve as a Director of the Board of [insert name of entities]
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 
Key stakeholders*

•    Country

Other Responsibilities

    Embed Here for good and Group’s brand and values in WRB – CN Lending.
    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)
    Perform day-to-day operations, system input according to DOI and relevant procedure within the risk and control framework. 
    Execute and monitors workflow to ensure that processing/ documentation is delivered in accordance with required Standards. 
    Contributing ideas for improvements of processes and procedures.
    Support and encourage others to practice in professional manner that reflect WRB – CN Lending service quality.
    Ensure to report line manager all irregular issues and potential risks at the first time.
    Fully support team cross support when need.

Skills and Experience

Data Science
VBA
English

Qualifications

Bachelor’s degree or above
Strong teamwork spirit
Logic thinking and quick learning.
Willing to work under challenges.

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.