Job Description
• This is a role for an experienced professional providing technical expert-based assessments and support to the risk review team on a global group-wide basis. The candidate will assist ERR CPBB Review team in providing CPBB management with an independent assessment of the quality of specified portfolios, their risk governance and the degree of alignment between strategy and delivery. This will be achieved by evaluating a business s effective risk management control on elements of the Enterprise Risk Management Framework (ERMF), with a principle focus on Credit Risk.
The requirements include:
• Awareness and understanding of the Group s business strategy and model appropriate to the role and the ability to assess in the reviews undertaken whether misalignments between strategy and stated risk appetite are occurring or are likely to occur.
• Understand and implement the strategic intent and collective agenda in CPBB Banking Clients globally.
• Good knowledge, awareness and understanding of the wider business, economic and market environment in which the Group operates in respect of the countries reviewed.
• Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
• Work with CPBB risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values.
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
• Contribute to the continuous improvement of the operational efficiency and effectiveness of the Enterprise Risk reviews risk management processes.
• Ensure that all work undertaken as a member of the Enterprise Risk Review function is delivered to the highest standards and within agreed budgets each year.
• Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
• As directed to perform, support, and lead the planning, fieldwork and reporting of Enterprise Risk Reviews engagements to deliver agreed objectives.
• To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
• Undertake a detailed review of the credit quality to provide assurance of effective planning, communication, control, and risk management.
• Execute the Enterprise Risk Review function for CPBB and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
• Ensure that reviews provide a combination of assurance and anticipation; that the reports and findings are accepted by the CPBB business, and any actions arising there from are followed through to closure.
• Ensure that the reports of the reviews are written on a timely manner and is succinct without missing the key details required to understand the context of the issues identified
Processes
• Contribute to the continuous improvement of the operational efficiency and effectiveness of the Credit Risk reviews risk management processes.
• Ensure that all work undertaken as a member of the Credit Risk Review function is delivered to the highest standards and within agreed budgets each year.
• Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
• As directed to perform, support and lead the planning, fieldwork and reporting of Credit Risk Reviews engagements to deliver agreed objectives.
• To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
• Execute the Credit Risk Review function for CPBB and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
• Identify the positive aspects and areas for improvements in businesses, geographies and thematic risk reviews. Provide constructive and independent feedback on risk issues identified and wherever appropriate, recommend the actions that may be taken to mitigate the issue identified.
Risk Management
• Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
• Work with CPBB risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values
Governance
• Responsible for assessing the effectiveness of the business unit s arrangements to deliver effective country level governance, oversight and controls in the business and if necessary to recommend changes in these areas. Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering effective governance ; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
Regulatory & Business conduct
• Display exemplary conduct and live by the Group s Valued Behaviours 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.
• Work with wider team to achieve the outcomes set out in the Bank s Conduct Principles: Fair Outcomes for Clients. Effective Operation of Financial Markets; Financial Crime Prevention; and The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Embed Here for good and Group s brand and Valued Behaviours in the team and the team s output.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Key stakeholders are as follows:
• Enterprise Risk Management team members
• Group and Regional Heads of functions in Consumer, Private and Business Banking
• Senior Risk Leadership within the Retail Banking Risk Function (including Collection, Recovery)
• Country CCH / CRO
• Country Head CPBB
• Business Operational Risk Managers
• Country Head Financial Crime and Compliance
The requirements include:
• Awareness and understanding of the Group s business strategy and model appropriate to the role and the ability to assess in the reviews undertaken whether misalignments between strategy and stated risk appetite are occurring or are likely to occur.
• Understand and implement the strategic intent and collective agenda in CPBB Banking Clients globally.
• Good knowledge, awareness and understanding of the wider business, economic and market environment in which the Group operates in respect of the countries reviewed.
• Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
• Work with CPBB risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values.
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
• Contribute to the continuous improvement of the operational efficiency and effectiveness of the Enterprise Risk reviews risk management processes.
• Ensure that all work undertaken as a member of the Enterprise Risk Review function is delivered to the highest standards and within agreed budgets each year.
• Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
• As directed to perform, support, and lead the planning, fieldwork and reporting of Enterprise Risk Reviews engagements to deliver agreed objectives.
• To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
• Undertake a detailed review of the credit quality to provide assurance of effective planning, communication, control, and risk management.
• Execute the Enterprise Risk Review function for CPBB and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
• Ensure that reviews provide a combination of assurance and anticipation; that the reports and findings are accepted by the CPBB business, and any actions arising there from are followed through to closure.
• Ensure that the reports of the reviews are written on a timely manner and is succinct without missing the key details required to understand the context of the issues identified
Processes
• Contribute to the continuous improvement of the operational efficiency and effectiveness of the Credit Risk reviews risk management processes.
• Ensure that all work undertaken as a member of the Credit Risk Review function is delivered to the highest standards and within agreed budgets each year.
• Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
• As directed to perform, support and lead the planning, fieldwork and reporting of Credit Risk Reviews engagements to deliver agreed objectives.
• To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
• Execute the Credit Risk Review function for CPBB and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
• Identify the positive aspects and areas for improvements in businesses, geographies and thematic risk reviews. Provide constructive and independent feedback on risk issues identified and wherever appropriate, recommend the actions that may be taken to mitigate the issue identified.
Risk Management
• Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
• Work with CPBB risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values
Governance
• Responsible for assessing the effectiveness of the business unit s arrangements to deliver effective country level governance, oversight and controls in the business and if necessary to recommend changes in these areas. Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering effective governance ; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
Regulatory & Business conduct
• Display exemplary conduct and live by the Group s Valued Behaviours 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.
• Work with wider team to achieve the outcomes set out in the Bank s Conduct Principles: Fair Outcomes for Clients. Effective Operation of Financial Markets; Financial Crime Prevention; and The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Embed Here for good and Group s brand and Valued Behaviours in the team and the team s output.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Key stakeholders are as follows:
• Enterprise Risk Management team members
• Group and Regional Heads of functions in Consumer, Private and Business Banking
• Senior Risk Leadership within the Retail Banking Risk Function (including Collection, Recovery)
• Country CCH / CRO
• Country Head CPBB
• Business Operational Risk Managers
• Country Head Financial Crime and Compliance
💡 Quick Summary
Seeking a career-building opportunity? The Senior Manager Credit Risk Review | CPBB position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai, offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
