The Role Responsibilities

Job Role

Conduct portfolio analytics and deep dives as required by country / regional / Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Management and Collections.
Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses.
Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions.
Provide analytical support to various Risk Reviews, perform ad-hoc analytical requests to support policy changes.
Participate in selective strategic initiatives to build and enhance Group’s in-house analytics capabilities.

Strategy

Conduct portfolio analytics and deep dives as required by country / regional / Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Management and Collections.

Business

Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses.
Participate in selective strategic initiatives to build and enhance Group’s in-house analytics capabilities.
Provide analytical support to various Risk Reviews, perform ad-hoc analytical requests to support policy changes.

Processes

Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions.

Risk Management

Understanding of basic concepts of retail credit risk policies and frameworks. Quick Learning of bank specific policies and guidelines around risk management.

Governance

Awareness and understanding of the Bank specific policies around governance for data and related information and strict adherence to the same.

Regulatory and 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.
Lead to achieve the outcomes set out in the Bank’s Conduct Principles.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.

Key Stakeholders

Our Ideal Candidate

Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA).
2 - 6 years desired relevant work experience.

Role Specific Technical Competencies

Manager - CRM