Head Lending %26 Risk Operations, Client Onboarding

Head Lending %26 Risk Operations, Client Onboarding

Standard Chartered
Not Specified
Not Specified

Job Description



The Role Responsibilities

  • Management CPBB Lending and Risk Operations activities, effectively and efficiently aligned to business strategy for the country.

  • Performance management of the teams, including optimization of process efficiency and effectiveness, prevention of fraud and operational risk, and proactive cost control and capacity planning.

  • Ensuring consistent application process in compliance with CCPMs and Group standards.

  • Work with Head Client Onboarding, CCH, FRM, CRM, Products, QA/BRM and other stakeholders for smooth functioning of Lending & Risk operations in the country.


Strategy

  • Support and provide inputs to Lending & Risk Operations for developing operational model and shaping strategic agenda.

  • Implement the operating model and strategic direction in the country Lending and Risk Operations to best support process efficiencies and effectiveness.


Business

  • Optimise operating efficiency while balancing the effectiveness of decision making within the Lending and Risk Operations function.

  • Ensure the cost budget in Lending and Risk Operations is based on robust capacity plans and is delivered through a rigorous cost management discipline.

  • Identify, coordinate, and drive productivity projects.


Processes

  • Ensure that credit origination decisions are executed in line with the delegated authority while adhering to the process standards as defined.

  • Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives in the country for Lending Operations and Credit Initiation.

  • Develop and maintain fraud management capabilities, skills and infrastructure in the country that are in compliance with both internal policies and external regulations and are responsive to fraud attacks.

  • Manage capacity planning. Develop and maintain robust and scalable Lending Operations and Credit Initiation to execute risk management policies and strategies.

  • 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 Risk Operations and monitor the operational risk metrics for the country to identify potential control weaknesses.

  • Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.


People and Talent

  • Support the identification, engagement and retention of high quality Lending Operations and CI professionals at a country level.

  • 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.

  • Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.

  • Lead through example and build the appropriate culture and values within the Lending and Risk Operations team. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.

  • Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.


Risk Management

  • Identify and share industry best practices and work with the businesses for their feasibility and implementation.

  • Develop a collaborative relationship with regulators, peer banks and fraud risk industry forums to help detect and mitigate fraud.

  • Ensure monitoring of through the door application quality by country Risk Operations teams and timely feedback to in-country stakeholders for optimizing risk and reward relationship.

  • Ensure all CI and FRM policies and procedures in the country comply with the Bank Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.


Governance

  • Ensure compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.

  • Embed the Bank&rsquos values and code of conduct in Lending and Risk Operations 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 for the country.


Regulatory & Business Conduct

  • Display exemplary conduct and live by the .

  • 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 CPBB COB - Lending & Risk Operations to achieve the outcomes set out in the Bank&rsquos 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

  • Internal stakeholders

    • CCH, CRM

    • Country Business Heads and Product Head, CPBB

    • Country Collections Head

    • Operations, BRM, GIA, OR, Compliance and Customer Experience Management units

    • Internal IT partners

    • HR & ER team



  • External stakeholders

    • Auditors and Regulators

    • Credit Bureaus

    • Vendors and consultants




Our Ideal Candidate


  • Academic or Professional Education/Qualifications: As per Bank&rsquos requirements and HR policy

  • Language: English & Mandarin



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 withminimum 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.
Visit our careers website

We are a leading international banking group, with a presence in more than 60 of the world’s most dynamic markets. Our purpose is to drive commerce and prosperity through our unique diversity, and our heritage and values are expressed in our brand promise, Here for good.
Standard Chartered PLC is listed on the London and Hong Kong Stock Exchanges.

Job Source : scb.taleo.net

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