Standard Chartered Bank is looking to hire

Country Head , Credit Policy

Job description

• Effective management and monitoring of underwriting and control disciplines to ensure good turnaround times, a well managed portfolio and the enforcement of credit risk policies.
• Management of all stakeholders including developing relationships with business partners and balancing the role with stakeholder expectations.
• Ensure to maintain a strong credit culture and the highest standards and apply all the credit policies
• Ensuring quick transparent escalation of important issues and providing critical and timely inputs to key risk forums.
• To ensure that quality of credit portfolio is maintained within acceptable parameters as defined by the group and local business strategy.
• Monitor and report excesses, breach of limit terms, early alert indicators and ensure that all such accounts are managed as per laid down procedures.
• Undertake regular customer visits to keep abreast of local market developments.
• Manage approved list of companies – new and existing – and visit those companies as and when its required.

Portfolio Management:

• Work closely with business and CCRO to build an effective portfolio where risk and reward are balanced.
• Work closely with business to identify new segments through tests and campaigns.
• Influence and monitor through use of Risk MI the shape and composition of the portfolio against approved Standards, and escalate breaches with recommendations for remedial action.

• To proactively manage the portfolio and improve the quality of the book by growing in acceptable sectors/client segments in desired segments.
• To analyse the portfolio on an ongoing basis to identify exposure/ industry concentration and undertake remedial measures to rebalance the same by preparing the monthly Portfolio Standard Tracker and reporting the breaches.
• To monitor and identify signs of deterioration on segments with a view to commence early remedial management of these accounts and thereby minimise loan losses thus directly contributing to bottom line.
• Manage the 3 rd party valuation companies and ensure we maintain a proper and robust RETSO program in country as per group guidlines.

Governance

• Prepare all the inputs required from Credit Risk to assist the CCRO office.
• To stress test the respective country portfolios as appropriate to manage downside risks.
• Produce data and analysis/commentary for the Risk Information Report (“RIR”).

• Maintain vigilance over data quality and drive ongoing improvement.

• Support CRC by Monitoring and reviewing excess and CAD breaches.
• Comply with CBJ guidelines and maintain obligation register under advise from CCRO.

Credit Process Management

• Ensuring that the quality of Credit Applications meets Group Policies and Approved CAD.
• Attending the local Credit Issues Committees for respective countries to review credit related issues for RB.
• To instil a strong credit culture and provide leadership to Branch / Priority RMs.

How To ApplyYou can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:- You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role- Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)- We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your applicationIt usually takes 15 – 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.Diversity and InclusionStandard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.