Assistant Manager, Credit Management Information and Forecasting

Role Responsibilities
Strategy

• Collaborate with rest of group functions, direct and support country business and credit teams to implement agreed strategies related to the processes owned by Credit Management Information & Forecasting Team, especially the credit bureau processes covering both individual and corporates.

Processes

• Manage the BAU process and controls checking in the credit bureau management process, including bureau data contribution and portfolio review scan; ensure credit bureau reporting and enquiries being compliant with regulatory and group control standards.
• Perform root cause and impact analysis on any issues identified in the processes, recommend solutions, liaise with stakeholders and execute on the solutions.
• Handle bureau related complaint handling, issues and queries from both internal and external stakeholders.
• Support new product/initiative launch and system/application enhancement of the bank by reviewing, assessing the implication on the credit bureau process.
• Continuously improve the operational efficiency and effectiveness of credit bureau management processes, including process revamp and automation initiative etc.
• Enhanced and review the Quality Assurance program on a regular basis to ensure compliance with Group/Local Credit Policies and regulatory requirements.

Risk Management:

• Maintain a good understanding of the requirements of key external stakeholders in respect of credit risk management and ensure these are well understood internally and reflected in internal procedures.
• Uphold the timeliness, completeness and accuracy on the quality of credit bureau data information.
• Ensure full compliance of regulatory requirements and internal policies in relation to the use and sharing of credit data, including SPM IC-6, IC-7 and the Code of Sharing and Use of Credit Data.
• Ensure adequate controls and compliance with Group Standard and local regulatory requirement.
• Ensure the Quality Assurance program comply with prevailing credit policy and regulatory requirements.

People and Talent

• Employ, engage and retain high quality people.
• Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
• Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits.
• Ensure the provision of ongoing training and development of the Function's people and ensure that holders of all critical functions are suitably skilled and qualified for their roles.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group's Values and Code of Conduct, to embed 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
Internal

• HK CPBB Risk Management Team
• HK Business/Operations Team
• Technology Team (Application/PDW support)
• GIA

External

• External auditors
• Credit Reference Agents
• Commercial Credit Reference Agents

Other Responsibilities

• Embed 'Here for Good' and the Group's brand and values in Country and Region.
• Perform other responsibilities assigned under Group, Region, Country Business or Functional policies and procedures.

Our Ideal Candidate

• At least 5 years of functional risk management experience in Retail, Business Banking credit risk, with solid experience in handling credit management information and regulatory reporting as well as credit decision rule maintenance on the underwriting systems.
• Solid experience in Credit Bureau management and reporting would be an added advantage.
• Bachelor/ Advanced degree holder in Mathematics / Statistics or Computer Science / Engineering.
• Advanced qualitative, statistical modelling skills; experienced in analytical tools (e.g., SAS).
• Excellent communication skills to engage with internal/external stakeholders (influencing as well as directing) in carrying out the BAU duties and project management.

Role Specific Technical Competencies

• Risk - Retail & Private Banking Credit Risk
• Risk - Business Partnering
• Risk - Manage Project
• RB - Lending process and standards
• RB - Portfolio Management for Retail Banking
• Risk - Communication and Influencing Skills

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.
Visit our careers website www.sc.com/careers