Job Summary

This position is for a Director (Consumer, Private and Business Banking – CPBB) with extensive experience in areas of Credit Risk Scorecards and Credit Risk Strategy (cut-off analysis, line assignment et. al) for retail banking / small business lending businesses.  The individual will lead delivery of both Credit Risk Scorecards and associated Credit Risk Strategies (as well as other risk analytics) for all Retail and SME portfolios of Standard Chartered Bank. The individual will also lead a dedicated team of Associate Directors, Managers and Analysts. 
Responsibilities include understanding Standard Chartered Group requirements and working with the team in developing statistically derived predictive models, performing decision tree-based customer segmentation and profiling analyses, assisting business implementation of sophisticated risk models and providing analytic support to Standard Chartered Businesses across the globe. The individual is expected to timely deliver as a team, while ensuring compliance to prevailing / applicable standards / legislation / policies. The individual will also be expected to represent the team for review / approval committees.

Qualifications:
•    Bachelors / Advanced (Masters or higher) degree in Statistics, Applied Mathematics, Operations Research, Economics, Engineering, MBA or other quantitative discipline
•    Significant experience in a similar role; at least 10 years of total experience in a retail banking / small business lending analytical function.
•    Hands-on experience of 5 – 8 years, in the past in statistical modeling, mining data and understanding data patterns is an absolute necessary to mentor the individual’s team. 
•    Past exposure to statistical programming skills in SAS (preferred) or similar tools
•    3+ years’ experience in managing a team of 4 -10 members is good to have
•    Experience in directly interacting with Business and exposure to international markets will be a plus

People and Talent:
•    Lead through example and build the team culture and values in line with the Bank. Set clear expectations from the teams and work in collaboration with all relevant partners.
•    Employ, engage and retain high calibre professionals.
•    Set and monitor objectives for team members and provide feedback, develop and reward in line with their performance against those responsibilities and objectives.

Competencies: 
•    Leading multiple engagements at any given time
•    Ability to explain modelling outputs and inferences to Senior Stakeholder in non-technical manner
•    Should be open to getting involved in on-the-ground and data activities
•    Analytical / Strategic / Conceptual thinking
•    Attention to detail
•    Problem solving
•    Highly motivated, organized and methodical

Key Responsibilities

• Country Credit Heads
• Head of Retail Models
• Group Model Validation
• Model Risk Policy and Governance
• Model Delivery Management

Skills and Experience

• Credit Risk Modelling

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.