The Role Responsibilities
Strategy
This is a role for an experienced professional providing technical expert-based assessments and support to the risk review team on a global group-wide basis. The candidate will assist CRR CPBB (Consumer, Private and Business Banking Review) team in providing management with an independent assessment of the quality of specified portfolios, their risk governance and the degree of alignment between strategy and delivery. SCB has been building new partnerships and optimizing existing ones by leveraging the power of data for acquisition, underwriting, collections, fraud detection, pricing, etc. The role will specifically cover emerging risk themes across Digital lending, Crypto and partnership lending models.
This will be achieved by evaluating a business’s effective risk management control on elements of the Enterprise Risk Management Framework (ERMF), with a principle focus on Credit Risk. The core requirements include:
Experience in managing Digital partnerships, unique value propositions and alternate lending platforms
Be part of the review team and identify inherent risks across digital lending platforms, alternate data underwriting, strategic partnerships and unique value propositions
Business
Awareness and understanding of the Group’s business strategy and model appropriate to the role and the ability to assess in the reviews undertaken whether misalignments between strategy and stated risk appetite are occurring or are likely to occur.
Understand and implement the strategic intent and collective agenda in CPBB Banking Clients globally.
Good knowledge, awareness and understanding of the wider business, economic and market environment in which the Group operates in respect of the countries reviewed.
Processes
Contribute to the continuous improvement of the operational efficiency and effectiveness of the Credit Risk review’s risk management processes.
Ensure that all work undertaken as a member of the Credit Risk Review function is delivered to the highest standards and within agreed budgets each year.
Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
As directed to perform, support and lead the planning, fieldwork and reporting of Credit Risk Reviews engagements to deliver agreed objectives.
To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
Execute the Credit Risk Review function for CPBB and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
Identify the positive aspects and areas for improvements in businesses, geographies and thematic risk reviews. Provide constructive and independent feedback on risk issues identified and wherever appropriate, recommend the actions that may be taken to mitigate the issue identified;
Ensure that the reports of the reviews are written on a timely manner and is succinct without missing the key details required to understand the context of the issues identified
Risk Management
Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
Work with CPBB risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values.
Governance
Responsible for assessing the effectiveness of the business unit’s arrangements to deliver effective country level governance, oversight and controls in the business and if necessary to recommend changes in these areas. Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
Regulatory & Business conduct
Display exemplary conduct and live by the Group’s Valued Behaviours 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.
Work with wider team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients. Effective Operation of Financial Markets; Financial Crime Prevention; and The Right Environment.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Embed Here for good and Group’s brand and Valued Behaviours in the team and the team’s output.
Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Key stakeholders are as follows:
Enterprise Risk Management team members
Group and Regional Heads of functions in Consumer, Private and Business Banking
Senior Risk Leadership within the Retail Banking Risk Function (including Collection, Recovery)
Country CCH / CRO
Country Head CPBB
Business Operational Risk Managers
Country Head Financial Crime and Compliance
Our Ideal Candidate
8 plus years of relevant experience in product/risk management, consulting or analytics
Experience in digital lending, cards, payments preferred
Experience in launching and/or managing Digital lending propositions (e.g. Buy Now Pay Later, Small Ticket Short Tenor) using alternate data for credit decisioning and risk management
Strategic thinker, analytical, innovative; likes to keep up with industry trends and new technology
Self-motivated, accountable, resilient; not afraid to take initiative and challenge the status quo
Strong communication and interpersonal skills; should be able to work with regional partners
Proven track record of strong relationship management skills in a geographically diverse environment, and with key external stakeholders
Demonstrated understanding of and commitment to the Group’s core values, excellent communication skills, ability to drive a change agenda.
Experienced credit officer, reviewer/auditor or business person who is a deep SME (subject matter expert) in Retail banking, including credit and operational risk
Education: Degree (Bachelor level) or equivalent professional qualification and experience at a senior level in 2 or more roles.
Apply now to join the Bank for those with big career ambitions.
Apply via :
scb.taleo.net
