Role Responsibilities To ensure the formulation of an effective lending policies and appropriate credit underwriting standards for Business Banking and Secured products;Responsible to collect and analyse data to ensure its policy effectiveness towards achieving the Bank's risk management goals.To ensure a healthy credit lending portfolio through various monitoring exercise guided in credit policy and credit approval document;To review and assist on the launching of new credit lending product initiated by Business Product or government;To assist in reviewing and improving end to end credit initiation and credit risk management processes. Strategy* Identify, Develop, Review and Implementation of Credit Policies and Risk Management Strategies in relation to the Business Banking and Secured products. Develop new policies to effectively manage Through-the-Door (TTD) and Portfolio risk including early warning and pre/post delinquency management. Perform in-depth and adhoc portfolio analysis on delinquency to ensure portfolio health is contained.Strive for automation/ improvement in Group/Country reporting and tracking of portfolio performance.Consistently review and ensure credit underwriting standards are formulated appropriately by taking into consideration the micro and macroeconomic events;To ensure credit policies are uniformly communicated, implemented and properly documented and kept.To work with the product team for identification and implementation of strategic initiatives via test cell to explore new opportunities and effectiveness of current policies.Perform gap analysis per group policies and standards and adopt accordingly in-country or obtain dispensation in a timely manner.Ensure continuous compliance to all Regulatory requirements which are to be incorporated as appropriately into the policies & standards. Business* Business Banking and Secured portfolio management covering TTD and portfolio segmentation, Collections review, Security Documentation Deficiency review etc.Participate to deliver sustainable capital growth, improve return on capital and optimize the balance sheet profile.Ensure LAR, IIP, PIP and RORWA are within budget and forecast.Review monthly MIS for management, approval rate, reject rate, portfolio performance, portfolio segmentation.Review and ensure compliance to established booking caps, portfolio triggers and threshold with required action taken on a pro-active basis.Perform Account Monitoring for Working Capital/Wealth Management to ensure shortfall cases/ limit excesses are regularised within timeline Ensure compliance to monitoring standards governed by Group standards, OPAC Churn Rate, Excess and Past Due, Early alert and etc;Active participation in periodic reviews with Collections and pro-actively take necessary remedial action on policies as necessary.Coordinating effective early alert report preparation, monthly reviews and update;Prepare and review daily monitoring reports to ensure effective follow up with Business and Collection on implementation of necessary actions;Drive the in-country Account Monitoring Automation project initiated by Group. This include the UAT and UVT, provide feedback, liaise with Project Team in rectifying the error, sign off and ensure its production. Processes* Provide Support to Marketing and Sales Initiatives and Other Support Centers Credit Initiation, Collection Operations, and Risk PM&F etc.Provide necessary credit risk support to front liners in existing and new product initiatives;Support Business Banking and Secured teams to formulate, implement and continuous pipeline of business initiatives.Maintain effective working relationship with Credit Initiation to seek areas of improvement for KPI measurements on approval rates;Support initiatives for periodic portfolio feedback sessions with other department as well as other countries offering Working Capital/Wealth Management products. Learning and best practices to improve current and future activities;Work with Group Risk and country CBRA team to enhance portfolio MIS for effective portfolio tracking, triggers and exploration to the Management.Work with Group and Country stakeholders on the implementation of Account Monitoring Automation project 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.Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.Ensure adherence to local regulatory issued by BNM and any governing authority Key stakeholders*Stakeholder management Credit underwriter - Feedback on exceptions noted and key lapses in Credit Initiation processesBusiness Product & Governance Managers - Initiation of new lending products, review of portfolio performanceCBRA Teams - Procurement and enhancement of MIS for portfolio analysisLegal and Compliance - Interpretation of and consultations on regulatory requirementsIS & IT personnel (Local and Group) - System Implementation, enhancement, user requirements and reporting requirements.Managers in CAA Team - Interpretation of and consultations on Credit Initiation Quality Assurance matters.All unit managers / unit head within Credit Centre - Dealing of all credit related issues Our ideal candidate Bachelor's degree in Statistics/ Mathematics/ Computer Science or related discipline.Min 5 to 8 years in credit risk management in a financial services industry role, ideally related to portfolio risk management.Strong experience in advanced analytics/ programming languages/ data visualization is required eg. SAS/SQL/ Qlikview/VBAPossess fundamental understanding of Consumer and Business Banking (SME) lending products.Strong communication skills would be an added advantage
