Standard Chartered

Manager, Credit Risk Management- Business Banking (BB-35F28)

Found in: Neuvoo CN

Description:

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities Risk Strategies and Business Relationship
  • Manage acquisition strategy and portfolio for Business Banking Products (Business Instalment Loan, Mortgage Lending against Property, Business Working Capital Loan) and ensure all risk dynamics are properly addressed and controlled through Credit Bulletins and key credit parameters.
  • Define desired portfolio shape and new booking profile for Business Banking Products to strike the balance between risk and reward for RORWA optimization. Ensure key business partners are exercising business decision in discipline to achieve the desired portfolio shape.
  • Apply risk segmentation model for use in Business Banking Products and manage the credit decision engine systems, which form the statistical base for the formulation and modification of credit policies for acquisition and portfolio management
  • Timely adapt the Country Credit Procedures Manual and/or in-country policies in compliance with local regulatory requirements.
  • Regular, constant and timely review of credit processes with a view to effectively support the execution of credit risk management policies.
  • Analyze portfolio and help to formulate credit strategies for different customer segments through tests and campaigns.
  • Perform periodic monitoring and analyses of portfolio performance for Business Banking Products to ensure portfolio stabilization and all risk initiatives performing within risk appetite framework; no surprise on LI & early vintage performance
  • Review and realign policy and procedures; identify risk and opportunities and act accordingly to enhance governance control, policy and process efficiencies for Business Banking Products
  • Review Credit policy for Business Banking Products regularly; make recommendations as appropriate to ensure that these are consistent with Group Credit Policy and realistically reflect the nature of business banking business and to reflect/anticipate the changing market and competitive conditions. Review the Group Policies and Procedures regularly; timely compliance or raise of dispensations if required
  • Connect 3rd Party Vendor to investigate system and big data opportunity to improve underwriting and verification simplifications.
  • Our Ideal Candidate

    Knowledge and Understanding in

  • Strong analytical and problem-solving capability, able to use both quantities and qualities tools for problem solving and decision making
  • Good communication skills and interpersonal skills, able to communicate effectively to all levels.
  • Good financial knowledge
  • Understanding of consumer credit cycle and key drivers of business banking products.
  • Understanding of consumer business strategy & key product characteristics.
  • Bachelor &/or Master Degree, preferably in MBA, Mathematics, Statistics, Finance, or Computer Science. Professional qualification is a strong plus.
  • Thorough understanding of Bank operations, credit policies, familiar with regulatory and compliance requirements.
  • Having experience on risk management of SME lending in banking areas. Credit Policy experience is referred.
  • Analytical skills in both numerical and non numerical matter.
  • Hard working, enthusiastic, and can work both independently and through teamwork.
  • Has a good command of written/spoken English and Mandarin
  • Good PC skills, in particular MS Word / Excel / PowerPoint
  • calendar_today2 days ago

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    info Full-time

    location_onShanghai, China

    work Standard Chartered

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