Credit Management Information & Forecasting Manager

Credit Management Information & Forecasting Manager

Standard Chartered Hong Kong
Not Specified
Not Specified

Job Description

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

  • 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.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Role Responsibilities

  • Support and rollout the Global or Country Strategy to internally Risk team

  • Assist Credit Risk Team to support the Business growth

  • Support all related processes where MIF is the identified first line process owner
  • Ensure effective management of operational risks within MIF and compliance with applicable internal policies, external laws and regulations
  • Continuously improve the operational efficiency and effectiveness of risk management processes
  • Manage Hub service provider to provide the service on MI reporting preparation and submission to group or country report owner
  • Support the Cost and Loan Impairment forecasting in country to align with the group forecasting process
  • Ensure the bureau process in country to comply with the regulatory and group standard

People and Talent
  • Lead through example and build the appropriate culture and values within team and across the wider organisation
  • Co-operate with good communication and relationship with business partner or stakeholder
  • Demonstrate the good leadership to the team or junior colleague

Risk Management
  • Ensure risk identification, measurement and modelling capabilities are objective, consistent and compliant with applicable regulations
  • 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
  • Coordinate with country Credit Risk Management teams to support portfolio management initiatives by performing bureau analysis
  • Ensure adequate controls and compliance with Group Standard and local regulatory requirement within MIF
  • Manage and support existing EUC including Quality Assurance, Loan Loss Recognition, Underwriting etc to comply with prevailing credit policy, Group Standard and local regulatory requirement
  • Support Group Credit and Hong Kong RB Credit on Loan impairment/Cost (including full year forecast, cost variance analysis, annual budget process and project cost tracking)
  • Support the process on Bureau data contribution, portfolio review scan and bureau related complaint handling
  • Ensure 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
  • Coordinate with country Credit Risk Management 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
  • Co-ordinate with country and Hub service to ensure the service is compliant to SLA. Share support or advise to Hub service on data management for new reporting or Management Information development
  • Co-operate with stakeholder on preparing the regulatory ad hoc report, MI or survey

  • Ensure the current process to compliant with proper governance

  • Communicate the updated governance to relevant stakeholder to follow

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/[team] to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients Effective Financial Markets Financial Crime ComplianceThe Right Environment.] .
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
  • Country Credit Risk Management, CPBB
  • Group Risk, CPBB
  • Group Internal Audit
  • Country Finance, Business, Lending Operation, Operation Risk, System
  • External Vendor - Credit Reference Agencies
  • External Auditor
  • External Regulator
  • Regional Country Credit Team

Our Ideal Candidate
  • University graduated with major in statistic or analysis appropriated. At least 4 years or above banking experience especially in retail credit risk is an advantage.

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