The production and distribution of CPBB risk reports as per the agreed timeliness and frequency. Ensuring that the reports are generated and delivered on a timely manner to the respective stakeholders. Need to ensure that the reports are in similar trends as against the submissions made in the past. Any changes to the reporting logic to be discussed and documented with the stakeholders and agreed in a Change Management template with proper UAT and UVT performed before taking this to production

Strategy

• The mitigation of risk by providing accurate and timely information necessary to support management decisions. Protection of the Bank’s reputation. Bank’s ability to meet legal and regulatory obligations. Minimizing risk of Bank being used by money launderers. Ensure compliance with ALL internal policies and regulatory requirements.

Business

• Ability to formulate and comply with credit criteria. Ability to be highly flexible, adaptable, open-minded, responsive to the behavior of the market. Comprehensive knowledge on basic banking practices, policies and relevant regulatory concerns.

Processes

• Responsible to manage the generation and delivery of daily / weekly / monthly / quarterly CPBB risk reports accurately and timely. Responsible to ensure that the team delivers reports accurately with a adequate checks and controls are done based on the past trends.
• Responsible to ensure that the Unit’s objective from a Projects / Adhoc support perspective is managed.

Risk Management

• Work closely with the country risk teams.
• Compliance with all relevant policies and procedure, guidelines, rules & regulations

Governance

• Proper documentations like EUC, BIA, BCP, BID, Migration Checklists, SLAs, Recharge Documents, DOI, Change Templates etc. needs to be documented appropriately. Ensuring that proper backups are being arranged for critical reports
• Ensure that the Cost Budgets are met according to management targets

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.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• INTERNAL
  • Group CB Risk
  • Country Business (CB Head, VCGM, Sales & Marketing)
  • Country Operations
  • Credit Units (CI,FA, Collections & Recovery, CRM)
  • SBIM
  • Finance
  • Legal, Compliance & Assurance
  • IS & IT Personnel (Local and Group)
  • Human Resources
  • Group Credit
• EXTERNAL
  • Local Regulators
  • Bureau
  • Auditors
  • External Collection Agencies

Other Responsibilities

• E-Learning Modules, particularly the AML E-Learning Course, Credit Practices, Basel 2 and Credit Bureau, as applicable
• Induction Program
• AML Refresher Course
• The mitigation of risk by providing accurate and timely information necessary to support management decisions.
• Protection of the Bank’s reputation. Bank’s ability to meet legal and regulatory obligations. Minimizing risk of Bank being used by money launderers.

• More than 12 years of functional risk experience in the areas of Retail Credit Risk. Expertise in other areas of risk is an advantage.
• Prior experience of working with SAS software or Python is required.
• Appropriate academic training and/or experience in finance, business or Economics; Bachelor’s university degree is a must and a post-graduate degree is desired.
• Good knowledge and grasp of banking practice, Retail Banking lending products and awareness of the regulatory frameworks by home and host regulators.
• Basic knowledge of model risk management including for capital and impairments.
• Exposure to Bank’s Enterprise-wise Risk Management Framework (ERMF) and overall governance philosophy.
• Good understanding on data structure and the information flow for the risk function.
• A fair understanding of the innovations in banking & emerging technologies.
• Organizational visibility of outcomes and benefits.
• Analytical and dispute resolution skills.