Job Summary

• Assess the credit risk profile of the FI AME portfolio, maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors
• Uphold the integrity of risk / return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite
• Exercise risk control responsibility for Credit Risk in FI AME portfolio
• Ensure that material risk exposures and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate
• Actively participate in key committees through standing membership
• Ensure first line process owners understand and accept their risk management responsibilities
• Assist with the formulation of annual Risk Appetite and Portfolio Standards through joint sponsorship with the business.
• To monitor and identify signs of deterioration on individual names with a view to commence early remedial management of these accounts and thereby minimise loan losses thus directly contributing to bottom line

Responsibilities

Strategy

• Plan development of risk parameters for Financial Institutions in AME according to Risk Tolerance and Policy Frameworks and documents in portfolio standards.
• Inform the development of business plans for CIB FI portfolio in AME with the provision of cost and impairment forecasts and a balanced judgement on the external environment

Business

• Align strategy of FIR AME with business strategy and risk appetite and supervise the Function in overseeing its execution in the region
• Maintain and develop the FI Risk function\xe2\x80\x99s risk capabilities, and skills to meet ongoing business needs and plans
• Identify measure and monitor material risk affecting CIB portfolio in the context of the external market environment.

Processes

• Supervise all processes where a member of the Function is the identified first line process owner
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations
• Continuously improve the operational efficiency and effectiveness of the Function\xe2\x80\x99s risk management processes to increase the consistency of global systems and processes
• Ensuring that the quality of Credit Applications meets Group standards, particularly with regard to the completeness and depth of risk analysis.
• Approving of Credit Applications falling within own discretion and support of applications, which require approval outside the territory.
• Attending the local Credit Issues Committees for respective countries to review credit related issues.
• To instil a strong credit culture and provide leadership to RM\xe2\x80\x99s.
• Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate, in managing substandard accounts to maximise recoveries and minimise losses.
• Discuss with business and approve daily transaction

Risk Management

• Assess the credit risk profile of the FI AME portfolio, maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors
• Initiate stress tests as required by internal and external factors and review results and assess their implications
• Ensure that effective management response plans are in place to respond to extreme but plausible scenarios
• Uphold the integrity of risk / return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite
• Exercise risk control responsibility for Credit Risk for FI AME portfolio
• Ensure that material risk exposures and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate
• Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the job holder, taking account of concentration risk across sectors, geographies and markets. Delegate risk authorities (applicable to FI only) to suitable named individuals in line with their skills and judgement
• Assist SCO FIR AME in designing, maintaining and effectively communicating risk control parameters of the CIB FI portfolio, including policies, control standards, risk exposure limits and other control levers in order to maintain the risk profile in line with the Group\xe2\x80\x99s risk appetite
• Actively participate in key committees through standing membership
• Ensure first line process owners understand and accept their risk management responsibilities
• Assist with the formulation of annual Risk Appetite and Portfolio Standards through joint sponsorship with the business.
• 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 monitor and identify signs of deterioration on individual names with a view to commence early remedial management of these accounts and thereby minimise loan losses thus directly contributing to bottom line

Governance

• Prepare monthly reports such as Portfolio Standard Tracker.
• Regularly review audit and CRR reports / KCIs & CSTs and identify key trends.
• 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 (\xe2\x80\x9cRIR\xe2\x80\x9d).
• Maintain vigilance over data quality and drive ongoing improvement.
• Support CRC by Monitoring and reviewing the daily excess reports / CMS report (for documentation deficiencies) / monthly RB reports
• Ensure timely submission of various Credit Risk reports to Finance and Compliance for Regulatory Reporting to the respective Central Banks.
• Ensure timely submission of data to region on EAR updates, Local and Group Credit Policy Breaches

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

Key stakeholders

• REGIONAL AND COUNTRY HEAD FI
• COUNTRY CEO
• RMs
• SCMs
• SCOs
• CCO
• CRO
• ERR TEAMS
• INTERNAL AND EXTERNAL AUDITORS.
• FM/TB/CF units
• TCRM
• Stressed Assets Risk
• Legal / CDU
• CR
• Operational Risk
• Compliance

Other Responsibilities

• Embed Here for good and Group\'s brand and values in FIR AME team
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Our Ideal Candidate

• Market knowledge: Reasonable experience in the banking industry.
• 10+ years experience in banking. Functional experience in Corporate Banking Credit Risk Management.
• MBA /CA/CFA with experience in treasury/relationship management/consultancy and risk management
• Good communication skills \xe2\x80\x93 written and oral
• Good knowledge and grasp of banking practice, financial markets, Basel II and ICAAP, risk appetite, and portfolio management techniques
• Hands on knowledge of the regulatory frameworks within the region
• Strong analytical skills and ability to influence and resolve disputes. Enjoy decision making and have sense of ownership
• Multi-cultural awareness and sensitivity
• Command respect of cross functional peers and business heads working in open ended situations
• Good working relations with Regulators.
• Role specific training which are mandatory and developmental

• Risk management framework
• Core credit curriculum
• Other training as deemed mandatory by the bank and updated on a periodic basis

Role Specific Technical Competencies

• Credit Risk Management
• Operational Risk Management

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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