JOB SUMMARY

This role could be based in Singapore and Hong Kong. When you start the application process you will be presented with a drop down menu showing all countries, Please ensure that you select a country where the role is based.

•    Responsible for designing and implementing seamless product frameworks to scale the solutions for Medium Enterprises globally
•    Responsible for managing performance of credit analyst organization and streamlining structure, process, roles and capabilities to optimize on quality and efficiency of ME credit approvals. 
•    Collaborate with Tech delivery, Credit risk, Fraud risk and Operations team to enhance the capabilities for efficient Client Relationship Management (CRM), Portfolio Monitoring and Management. 
•    Collaborate closely with SME market heads, Product Heads, Credit Risk, Operations, Stressed asset team and Learning team to manage training needs of frontline staff.

RESPONSIBILITIES

Strategy

•    Ensure that ME lending solutions and relevant offering in each market is aligned to the Group SME strategy 
•    Benchmark our ME proposition against client needs and competition offerings, especially in key markets, to identify gaps and opportunities
•    Provide data driven analytics & insights to drive strategic discussions at the SME Management Team 

Business
•    Assess the effectiveness of product framework and ensure they are fit for growth 
•    Create product and policy mix driven by client needs to offer seamless and easy solutions
•    Work closely with the country product and segment heads to deliver comprehensive solutions for trade, forex and Wealth needs

Processes
•    Ensure that the approval, fulfillment and transaction processes are simple and streamlined and to client needs and calibrated to the risks involved. 
•    Develop a regular operating rhythm with stakeholders and appropriate governance framework to ensure that the portfolio shape and quality is in line with the strategy

People & Talent
•    Participate actively in shaping the SME Learning agenda for SME frontline especially the ME RMs
•    Develop strong credit analyst capabilities for effective 1st line of defense and business enablement
•    Share best practices and lessons learnt to build institutional capabilities for scaling the business

Risk Management
•    Ensure infrastructure, processes, policies and control framework for SME Banking business is designed to appropriately and adequately manage the inherent risks in the product, keeping in mind that risk has multiple facets and goes beyond credit risk (e.g. operational risk, fraud risk, counterparty risk etc.)

Governance
•    Ensure that the overall risk and control framework in SME for is fit-for-purpose and working well within the risk appetite
•    Understand the regulatory and legal framework governing products in markets
•    Engage and present to Product Governance Committee and other relevant forums such as Risk Committee and other forums/committees as and when required

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. 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

•    Global Head of SME Risk
•    Market Heads of SME Banking
•    Product/segment Heads in markets
•    Stressed Asset/ Collection teams 
•    Learning and Development teams
•    Data, Digital and Analytics teams
•    Legal, Audit and Compliance, where relevant

Other Responsibilities
•    Embed Here for Good and the Group’s brand and values in the business
•    Perform other responsibilities assigned under Group, Region, Country, Business or Functional policies and procedures
•    Work effectively across SCB, using values behaviours to drive overall business growth

Our Ideal Candidate

•    15+ years’ of lending experience in Commercial or SME banking 
•    Deep understanding of Trade and Working Capital products in a Product Management, Relationship management, Credit Risk or Stressed Asset Management role
•    Strong analytical and problem-solving skills
•    Proven ability to effectively collaborate with a wide range of stakeholders
•    Proactive and positive with the ability to use independent judgement and make sound decisions 
•    Excellent written & oral communication skills

Role Specific Technical Competencies
•    Deep understanding of Trade and Working products
•    Risk mindset with an understanding of the Enterprise Risk Management Framework
•    Exposure to SME/mid-market clients and their unique requirements is desirable, but not mandatory 
•    Appreciation for market specific nuances

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.

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 www.sc.com/careers