Job ref no.: 2200020642
Standard Chartered Bank

Assistant Manager, Credit Management Information and Forecasting, CPBB Risk

Standard Chartered Bank

Role Responsibilities

Strategy

  • Collaborate with rest of group functions, direct and support country business and credit teams to implement agreed strategies related to the processes owned by Credit Management Information and Forecasting Team.

Processes

  • Support all related credit management information processes where MIF is the identified first line process owner. Ensure effective management of operational risks within MIF and compliance with applicable internal policies and standards, external laws and regulations.
  • Support the BAU controls checking regular MIS reports and manage on loan impairment processing in country to align with the group policy and process standards and regulatory requirements.
  • Manage the credit bureau process of the Bank including Consumer Credit Data and Commercial Credit Data as MIF team is the process owner to ensure compliance with internal policies and standards and the local regulatory requirement, including HKMA SPM IC-6, HKMA SPM IC-7 and Code of Consumer Credit Data. Be the Champion in dealing with issues arising from credit bureau process and lead any credit bureau related enhancement and projects.
  • Continuously improve the operational efficiency and effectiveness of risk management processes, including process revamp and automation initiative, etc.
  • Coordinate with country CPBB Risk teams to ensure the Mortgage End-user computing (CEMS) rules are consistent with country credit policy, and adjust the decision rules in time to facilitate credit policy changes.
  • Enhanced and review the Quality Assurance program on a regular basis to ensure compliance with Group/Local Credit Policies and regulatory requirements.

Risk Management

  • Maintain a good understanding of the requirements of key external stakeholders in respect of credit risk management and ensure these are well understood internally and reflected in internal procedures
  • Uphold the timeliness, completeness and accuracy on the quality of credit information by coordinate and collaborate with MIS Hub.
  • Ensure full compliance of regulatory requirements and internal policies in relation to the use and sharing of credit data, including SPM IC-6, IC-7 and the Code of Sharing and Use of Credit Data
  • Ensure adequate controls and compliance with Group Standard and local regulatory requirement within MIF
  • Ensure the Quality Assurance program comply with prevailing credit policy and regulatory requirements

People and Talent

  • Employ, engage and retain high quality people.
  • Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
  • Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits.
  • Ensure the provision of ongoing training and development of the Function's people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles.

Regulatory and Business Conduct

  • Display exemplary conduct and live by the Group’s Values and Code of Conduct, to embed 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.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

Internal

  • HK CPBB Risk Management Team
  • HK Business / Operations Team
  • Technology Team (Application/PDW support)
  • Risk Reporting Function
  • GIA

External

  • External auditors
  • Credit Reference Agents
  • Commercial Credit Reference Agents

Other Responsibilities

  • Embed ‘Here for Good’ and the Group’s brand and values in Country and Region.
  • Perform other responsibilities assigned under Group, Region, Country Business or Functional policies and procedures.

Our Ideal Candidate

  • Bachelor's / Advanced degree holder in Mathematics / Statistics or Computer Science / Engineering.
  • 5 years of functional risk management experience in Retail, Business Banking credit risk, with solid experience in handling credit management information and regulatory reporting as well as credit decision rule maintenance on the underwriting systems.
  • Solid experience in Credit Bureau management and reporting would be an added advantage.
  • Advanced qualitative, statistical modelling skills; experienced in analytical tools (e.g SAS).
  • Excellent communication skills to engage with internal/external stakeholders (influencing as well as directing) in carrying out the BAU duties and project management. 

Apply Now to join the Bank for those with big career ambitions.
 

More job information
Job ref no. 2200020642
Salary
Job Function
Industry
Employment Term
  • Permanent
  • Full-time
Experience
  • 5 years - 10 years
Career Level
  • Middle management level
Education
  • Degree