Manager, Credit Risk Management, Digital Lending

Manager, Credit Risk Management, Digital Lending

Standard Chartered
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

The Role Responsibilities

  • Responsible for SCB CN digital lending risk appetite setting up, on general and specific to each product. Formulize the risk management framework needed to support a healthy growth of digital asset. Develop a full set of methodology on risk decision and portfolio monitoring which enables a timely and forward- looking management of a digital loan portfolio.


  • Support the digital lending of various retail products, including personal loan, business banking customers instalment loan, supply chain finance, etc. Prior experience in credit card, personal loan, business banking instalment loan are preferred. Consumer lending experience is a must.


  • Deep understanding of the digital lending process keep updated of the state of the art technology and digital lending tools, able to tell the risk impact and set up proper risk defence with efficiency in consideration.

People and Talent

  • Able to work in bilingual environment. Focused, work with efficiency and speed, being agile. Good leadership and negotiation skills are required. Hands on work style and down to earth attitude are required.

Risk Management

  • Analytical background in risk world. Knows how to articulate data for the purpose of risk management. Prior credit risk management experience on personal lending is a must. Need to deeply understand the credit risk management philosophy and all the KPIs we drive for. Experience in both traditional finance industry and Fintech industry is preferred.


  • Fully aware the importance of respecting regulator, and respecting risk management. Knows about the full picture of risk management. Knows about the environment a bank is supposed to be operating in.

Regulatory & Business Conduct

  • Display exemplary conduct and live by the Group&rsquos 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.

Key Stakeholders

  • Retail Risk. Retail Business. Compliance. IT.

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.

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