Mgr, Credit Initiation

Role Responsibilities

Strategy
• Work closely with the CI Analysts, Analyst Manager & Zonal Manager and drive the right outcomes for the Bank in line with Retail Clients startegy. Focus on maintaining TAT and portfolio quality.

Business
• Work with the business to optimize returns while remaining within Risk Appetite.

Processes
• Strengthen discipline in adherence to processes and standards and ensure country procedures aligned to Group standards. Fully engage in initiating and driving the programme of embedding a risk culture.

People and Talent
• Strongly reinforce lessons learnt from control failures and sub-optimal risk decisions. Strengthen the RRO organisation, address capability gapsDrive and continuously Employee . engagement. Lead from the front on values and conduct.

Risk Management
• Enhance the rigor of central portfolio oversight and improve the effectiveness of the reviews / meetings / forums to achieve precision in identifying key vulnerabilities and speed in mitigating emerging risks.

Governance
• Ensuring unit is always following OR guidelines. No surprise findings in GIA, Regulatory and Peer Reviews.

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
• CI Team, CO Team, Business Teams, Policy Team, Product Team, Collection Team, Branch Team, CCU Team, Legal & Compliance Team, Bank empanelled external vendors.

Other Responsibilities
• Ensure smooth processing of BAU, Strong co-ordination between Analysts, CO, Business team and Analyst Manager. Quality portfolio building. Providing continuous feedback to Analyst Manager so as to improvise work of CI Analyst team.

Our Ideal Candidate

Qualifications
• MBA or CA qualified with minimum Underwriting experience of 4 yrs.

Role Specific Competencies
• Underwriting skills
• PD skills
• Stakeholder Management
• Training skills
• Maintaining TAT
• Vendor Management

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 with minimum global standards for annual and public holiday, which is combined to 30 days minimum