Job Summary

Strategy

•    Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Management and Collections. 

Business

•    Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses 
•    Participate in selective strategic initiatives to build and enhance Group’s in-house analytics capabilities
•    Provide analytical support to various Risk Reviews, perform ad-hoc analytical requests to support policy changes 

Processes

•    Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions 

Risk Management

•    Understanding of basic concepts of retail credit risk policies & frameworks. Quick Learning of bank specific policies & guidelines around risk management. 

Governance

•    Awareness and understanding of the Bank specific policies around governance for data & related information & strict adherence to the same 

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 NA to achieve the outcomes set out in the Bank’s Conduct PrinciplesNA 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

•    Head – CRM Analytics 
•    Head – CRM Secured, Unsecured 
•    Global Head – Credit Risk Management (Retail) 
•    Country Credit Head, Country CRM Head 
•    Regional Credit Officers/CROs 

Skills and Experience

•    Analytics experience
•    SAS, SQL
•    Communication Skills
•    Office tools (Excel/ PowerPoint)
•    Project Management Skills
•    P&L forecasting & Understanding data structure
•    Analytical Tools (Python, R, SAS Eminer, Knowledge Studio)
•    Predictive Modelling, Machine Learning
•    Financial Services products, in particular Retail Banking 

Qualifications

•    Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA) 
•    5-10 years desired relevant work experience 

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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.