JOB SUMMARY

• Test processes and controls to ensure accountability for adherence to CB Credit policy, regulatory and compliance framework.
• Ensure a consistent approach is used across all retail products.
• To provide assurance on all underwritten cases as per CB Credit Policy
• Build adequate controls and MIS capability to provide CB country and group management adequate information for management oversight of progress on the strategic agenda, risks and controls, facilitating decision making to harness market opportunities.
• Managing processes to control back end operations in accordance with the given Credit policies

RESPONSIBILITIES

• Effectively manage a unit that will focus on back end controls to ensure quality of applications is as per banks credit policy
• To Test, review and report error rates on applications sourced is within agreed benchmarks
• Maintain MIS , Reports on application quality
• Executing/coordinating timely training program
• Escalating any issues pertaining to application quality
• Operational Risk Management Assurance & Compliance:
• Implement controls within the Business Unit to meet regulatory and internal requirements. In addition, drive and implement an effective risk management framework, and promote a strong risk Management and a compliance culture.
• To ensure there is adequate training in Compliance. In addition, document and implement controls to ensure compliance with regulations and Group Standards.
• Ensure that policies are implemented effectively within Business; new regulations are properly communicated and provide quality assurance on the design of the control measures and monitoring plans.
• Ensure adherence to the risk management framework.
• Ensure full awareness of all policies and procedures issued in relation to money laundering prevention and KYC
• Ensure compliance with the above policies on an ongoing basis and reported any suspicious
• transaction Immediately to the supervising officer.
• Read, understand and comply with all provisions of the Group Code of Conduct.
• Ensure complete adherence to Principles & Policy of Treating Customers Fairly.

Strategy

• To support quality business getting onboarded

Business

• CPBB

Processes

• Credit Underwriting Quality Assurance

Risk Management

• The role holder would be responsible for adequate documentation of all perceivable risks and their mitigants with respect to all retail products underwritten as per CB credit policy. These will include Reputational Risks, Compliance Risks and Business Risks. Ensure compliance with the ERMF Framework. These risks should be reported to the CPBB Management Team.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group\xe2\x80\x99s 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\xe2\x80\x99s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• Country Credit Head
• AVP, Risk Initiation
• Manager, Risk Initiation and approval
• Head, Onboarding

Other Responsibilities

• Embed Here for good and Group\xe2\x80\x99s brand and values, Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

• 3-6 years relevant experience which would include managing a team.
• Should have handled a business delivery role.
• Strong process orientation
• Ability to influence outcomes and close issues.

Role Specific Technical Competencies

• Data Analysis
• Testing
• Reviewing
• Reporting and Escalation Management
• Tracking and Closure of gaps

About Standard Chartered

We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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.
• Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you\'ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

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