Wait, What Do You Do?

<div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Key Responsibilities</b></H2> </div><div><p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Strategy</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Provide inputs in shaping the Retail Risk Operations strategic direction </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative</span></p> <p><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Business</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Optimise operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.</span></p> <p><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Processes</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure that credit files are processed while adhering to the process standards defined by CCO, Retail Clients.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Leverage and build credit assessment infrastructure capability to optimize process efficiency.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• 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. </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses. </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.</span></p> <p><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">People & Talent</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Employ, engage and retain high quality people, with succession planning for critical roles.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Risk Management</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Identify and share industry best practices and work with the businesses for their feasibility and implementation.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship. </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures</span></p> <p><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Governance</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Embed the Group’s values and code of conduct in Credit Initiation 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.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.</span></p> <p><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Regulatory & Business Conduct</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Display exemplary conduct and live by the Group’s Values and Code of Conduct. </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• 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.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b></b></H2> </div><div><p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Key stakeholders</span></strong><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Internal stakeholders</span></strong></p> <p style="padding-left:40.0px"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Country Retail Risk Head</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• RRO Team, Policy Team</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Country Business Heads and Product Head, Retail Client segment</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• In-country governance forums (as may be applicable)</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Country Fraud and Collections Heads</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Internal IT partners supporting Retail Clients business</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• HR & L&TD team</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Operations, L&C and Customer Experience Management Unit</span></p> <p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• External stakeholders</span></strong></p> <p style="padding-left:40.0px"><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Auditors and Regulators</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Suppliers, vendors and consultants</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Other Responsibilities</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Review files received from lending operations and check file for documentation and Compliance.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Risk Analysts to conduct Tele PD or Physical PD as applicable to the case and as defined by the policy.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Manage reworks with lending operations and business for completion of additional requirements.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Review and Validate legal and valuation reports and also arrive at the final eligibility.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Validate banking, Sales turnover and other key financial ratios that are critical for credit decisioning along with pre-booking FRM checks.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Highlight relevant deviations with respect to Policy. Maintain TAT & productivity.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Perform checks on external websites and check for any adverse media coverage or any other negative referencing on clients.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Review of transactions as laid down in the policy along with legal and valuation reports.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Prepare credit approval Memo which adequately covers all critical information that are necessary for decision making by Approver.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Manage empanelled vendors and monitor their TAT, productivity, TPSA and billing related activities.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• POA holders to adhere to clauses as specified in their POA</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Skills and Experience</b></H2> </div><div><p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Analysis of financial statement</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Analytical skills </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Understanding of the Legal and Technical</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ms Excel/Ms Word</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Qualifications</b></H2> </div><div><p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Education: MBA/CA qualified with minimum 7 yrs of experience</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Languages: English/Hindi</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About Standard Chartered</b></H2> </div><div><p>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.</p> <p>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.</p> <p>Together we:</p> <ul> <li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li> <li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li> <li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>What we offer</b></H2> </div><div><p><b>In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p> <ul> <li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li> <li><b>Time-off</b> 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.</li> <li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li> <li><b>Proactive wellbeing support</b> 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</li> <li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li> <li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li> </ul></div></div></div>

Credit Analyst