Roles and Responsibility
• Execute the Lending and risk operation strategic direction and manage country Credit Initiation activities and processes effectively and efficiently.
• Work with Head Credit Initiation, CCH and other stakeholders in-country for smooth functioning of Credit Initiation processes and activities

Strategy
• Provide inputs in shaping the Lending and risk operation strategic direction
• Work with in-country stakeholders to deliver against the Lending and risk operation strategic initiative

Business
• Optimise operating efficiency while balancing the effectiveness of decision making within the Lending and risk operation function.
• Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.

Processes
• Ensure that credit origination decisions are executed in line with the delegated authority while adhering to the process standards defined by CCO, Retail Clients.
• Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.
• Leverage and build credit assessment infrastructure capability to optimize process efficiency.
• Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
• Implement the Operational Risk Framework in Lending and risk operation and monitor the operational risk metrics to identify potential control weaknesses.
• Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.

People and Talent
• Lead through example and build the appropriate culture and values within the Credit Initiation team. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.

Risk Management
• Identify and share industry best practices and work with the businesses for their feasibility and implementation.
• Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.
• Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.

Governance
• Provide oversight on Credit Initiation team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
• Embed the Group's values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.
• Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory 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.
• Lead the Credit Initiation team to achieve the outcomes set out in the Bank's Conduct Principles.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
• Internal stakeholders
• Country Credit Head
• Country Business Heads and Product Head, Retail Client segment
• In-country governance forums (as may be applicable)
• Country Fraud and Collections Heads
• Relevant members of Risk Operations management team
• Internal IT partners supporting Retail Clients business
• HR & L&TD team
• Operations, L&C and Customer Experience Management Unit
• External stakeholders
• Auditors and Regulators
• Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks
• Suppliers, vendors and consultants

Our Ideal Candidate
Role Specific Technical Competencies
• Unsecured underwriting – Personal Loans
• Excel

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 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