Job Summary
JOB PURPOSE
- To deliver internal & external reporting, conduct risk analytics to improve portfolio risk appetite, monitor scorecard, models and support Group on model development.
- To provide quality analytical and MIS support to senior management for informed decision making.
- Ensure compliance to Basel II standards, while optimizing capital consumption and maximizing ROTE
- Ensuring consistent application and enforcement of risk policies, processes and controls, in compliance with Group standards.
- Management of all stakeholders, including developing relationships with business partners, regulators, group teams, and balancing the role with stakeholder expectations.
- To deliver daily/weekly/monthly report as per required by BAU operation and Group Reporting.
- To automate daily report, fully utilized the available resources and reduce the manual task for BAU report
- To priorities BAU report to identify which report is in top priority on daily basis and eliminate un-necessary reports.
- Management of all stakeholders, including developing relationships with business partners, regulators, group teams, and balancing the role with stakeholder expectations.
- Help improve and train analytics resources on QlikView / SAS programming skills.
KEY RESPONSIBILITIES
- Focus on MIS management and analytics to support and for pre-emptive portfolio management. Ensure robust MIS data quality. Ensure integrity of statistics and MIS.
- Support senior management review of portfolio performance and provide additional data/analysis as requested.
- Make use of existing analytical tools (SAS, Qlikview) and explore usage of new tools for enhancing analytical throughput.
- To manage, review and control statistical data for collections, CI, policies and group.
- Perform periodic Stress testing, ICAAP and Risk appetite exercises and support to maintain the portfolio risk appetite within acceptable norms.
- To integrate BASEL matrices & optimization of capital in credit decision making process.
- Ensure accurate computation of BASEL parameters and enhance usage of BASEL matrices in portfolio monitoring.
- To monitor Credit Scorecards and support Group Risk Measurement Assurance in monitoring and development of Scoring and BASEL models.
- To constantly review adequacy of currently available dataset and to recommend for enhancement if required.
- To assist in ensuring that all strategy tracking is in place.
- To provide analytics support to trouble shoot / identify area with significant credit risk.
- To support development of new MIS dataset. To provide training on implementation of new MIS automation or SAS/Python related training.
- Other duties as assigned by immediate supervisor.
Key Responsibilities
Regulatory & 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.
Key Stakeholders
Internal Relationships:
- CPBB Risk
- RRS and SCMAC
- Group and Regional P & G
- Country Regulatory reporting
- Country Finance
External Relationships:
- Regulators (BNM / PRA)
- External auditors (EY)
Other Responsibilities
- 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.
Skills and Experience
- Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role
- Risk Analytic: Strong working knowledge and understanding of risk analytics including scorecards, Basel, stress testing and scenario planning.
- Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control
- Regulatory framework and requirement: awareness and understanding of the regulatory framework in which the firm operates and the regulatory requirements and expectations relevant to the role.
- Ability to prioritise multiple deliverables with demonstrable organizational, project management and time management skills.
- Well versed with various principle and other risk types, its implication of individual and business lending and for overall function.
- Reasonable understanding on accounting principles of IFRS9, especially related to ECL
Qualifications
- Graduate/Post Graduate ,
- Knowledge of SAS/ Python/ SQL
- Experience in Risk/ Business Analytics/Reporting
About Standard Chartered
We’re an international bank, nimble enough to act, big enough for impact. For more than 170 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
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
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 leave, parental/maternity (20 weeks), sabbatical (12 months 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.
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