Job ref no.: 2200017115
Standard Chartered Bank

Manager, Credit Risk Management, Unsecured Lending

Standard Chartered Bank

Role Responsibilities

  • The Manager role exists to support the Retail credit risk management.
  • To ensure the local regulations, Risk Management Framework and internal policies/standards are effectively communicated and implemented across the Credit Underwriting, Credit Risk Portfolio Management, Credit Policy and Credit Standards and for administering related governance and reporting processes.
  • To uphold the integrity of the risk/return decisions, and in particular for ensuring that credit risks arising are properly assessed, that risk/return decisions are made transparently on the basis of this proper assessment, and are controlled in accordance with the Regulations, Group's standards and its Risk Appetite.
  • To drive change in the underwriting and portfolio risk management in collaboration with other parts of the business, risk and group risk functions.
  • To be responsible for maintenance of the Credit strategy management, conduct assurance test and support implementation of regulations and internal policies/ standards.
  • The role holder is expected to provide recommendations in quality analytical and logical approach with risk/return benefit for informed decision making.


  • To support business / product developments by providing feedbacks and information relating to prospective target market segment risks.
  • To formulate credit policies/ develop product programs to support new business/product launches.
  • To provide necessary portfolio analyses and credit performance forecasts, and to review financial proposition with the Business to ensure good growth.
  • To constantly review and formulate policies to reflect changes in risk/ competitive dynamics in the market place.
  • To support marketing programs launches through effective management of program risks and profitability.
  • To monitor programs approval rates/portfolio performance and help maximize approval rates/portfolio revenue without compromise in new accounts/portfolio quality.
  • To review and ensure that Product Programs are renewed on timely basis.
  • To support on development, implementation and monitoring the use of application / behaviour scorecards and other risk management tools/systems, to ensure that newly acquired customers / portfolio healthiness.
  • To support process streamline in credit operations to ensure a more efficient workflow without compromise in controls.
  • To support the development of management information systems, which from the statistical base for the formulation and modification of credit policies.
  • To coordinate with Group reporting/ Hub analytic / Product / Credit Initiation / Operations / Finance teams to ensure timely reporting of related new business information to senior management.

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 [country / business unit / function/XXX [team] 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


  • Credit Risk Management, Collection, Control Assessment & Assurance/MI&F
  • Group Credit
  • Operational Risk Team
  • Credit Risk Operation Teams (Credit Initiation, Credit Admin, Fraud Risk Management)
  • Regional / Country Business and Product
  • PQRs and CIFs (or other forums, as may be applicable)
  • Internal technology partners
  • Operations, L&C and Customer Experience Management units
  • HR & L &TD team
  • Internal and External Auditors
  • Regulators

Our Ideal Candidate

  • 4-8 years of experience in consumer risk management, in particular on Secured Lending Products.
  • Strong analytical power, good problem solving skills and ability to work under immense pressure.
  • Possesses sharp judgment and ability to make prompt and reliable recommendations to management under tight timelines.
  • Good communication and interpersonal skills. 

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

More job information
Job ref no. 2200017115
Job Function
Employment Term
  • Full-time
  • 4 years - 8 years
Career Level
  • Middle management level
  • Degree