Wait, What Do You Do?

<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><div> <div> <h2><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">Job Summary</span></h2> </div> </div> <div id="19__section_desc" tabindex="0"> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Credit Initiation role to support Client onboarding application process and approvals for Secured and Unsecured products for Africa, Middle East & Jersey Market</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>RESPONSIBILITIES</strong></span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Lead and co-ordinate the efforts to develop, deploy and optimize credit initiation servicing strategy and processes.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Work with Country Management, Business Partners, Product Partners and other Risk team members to optimize performance and resource allocation. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Identifying and reporting all weaknesses inherent in the standard controls </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Coordinates development of the design, management and adherence of key operating controls and levers that improve credit initiation efficiency and customer experience.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• To ensure underwriting of New Unsecured Loan Applications, Credit Card applications. as per policies in Credit DOI and Bulletins, adhering to strict time deadlines (TAT).</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Ensure capacity is adequate to support country processing, and that linkage between capacity planning, volumes and expenses remains robust at all times. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Manage and improve unit costs.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Establish work and strategic plans to support the implementation of strategies to improve performance.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"> Improve productivity</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"> Rework reduction</span><br></p> </div></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><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Cross functional Training</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Service Reviews</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> SLA adherence</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> First Hand days</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Monthly meeting With Policy/ process control to discuss deliquent </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Effectively manage and handle escalations/process breaches received </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Help team improve their efficiency in assessment of applications by providing suggestions on complex deals</span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"><strong>Strategy</strong><br>• Lead and co-ordinate the efforts to develop, deploy and optimize credit initiation servicing strategy and processes.<br>• Providing high level of data input and quality output through exercising of quality credit decisions, within CAD guidelines.<br><strong>Business</strong><br>• Work with Country Management, Business Partners, Product Partners and other Risk team members to optimize performance and resource allocation. <br>• Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations. <br>• Identifying and reporting all weaknesses inherent in the standard controls </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><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Processes</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Coordinates development of the design, management and adherence of key operating controls and levers that improve credit initiation efficiency and customer experience.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• To ensure underwriting of New Unsecured Loan Applications, Credit Card applications. as per policies in Credit DOI and Bulletins, adhering to strict time deadlines (TAT).</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• To exercise complete discretion in decisions on the responsibilities vested and other tasks assigned. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• To always perform while balancing risk with innovation.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Ensure capacity is adequate to support country processing, and that linkage between capacity planning, volumes and expenses remains robust at all times</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>People & Talent</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• This is a non-People leader role however conducting training to new joiners and connect with team to explain changes would be part of this role. </span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Risk Management</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Catalogue and document all tests, strategies and outcomes implemented in Credit Initiation. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Discretion to analyse and accept employment, Income, scorecard defers, application/behaviour scores, valuation risk ratings outside of policy (within CAD guidelines)</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• All the 3 p’s of the respective country and regulatory condition are adhered while decisioning the application , to manage risks </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• To comply with the bank’s requirements of AML monitoring/reporting, KYC and all policies related to the group reputation risk.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Relevant DOI/Bulletins are checked before processing a request, in case of any exception the same is pended/rejected and reported.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Take ownership for the identification of the risks and rectify as necessary depending on the circumstances. </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><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Governance</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• In the event of serious regulatory breaches, policy breaches or where credit appetite have been breached, ensure senior management are informed and that actions are taken quickly to remediate and/or activities are ceased</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Identifying and reporting all exceptions on non-compliance with standard controls Service level are to be checked and monitored and ensure there is no breach</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Regulatory & Business Conduct</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Display exemplary conduct and live by the Group’s Values and Code of Conduct. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• 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-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. </span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Key Stakeholders</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Retail Risk Operation- Credit representatives in group and country.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Group Side, process control </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Head Client Onboarding</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong> Other Responsibilities</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Embed Here for good and Group’s brand and values in [AME-Credit Initiation]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); [Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures</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><div> <div> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Qualifications</strong></span></p> </div> </div> <div id="31__section_desc" tabindex="0"> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Education</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• UG/PG or Commerce - Mathematic (or )finance</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Language</strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Business Communication - English</span></p> <div> <div> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white"><strong>Skills and Experience</strong></span></p> </div> </div> <div id="34__section_desc" tabindex="0"> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Knowledge of Lending Product </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Knowledge of MS Office </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Communication Skill</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Credit Analytical Skill</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt;color:black;background-color:white">• Presentation skills</span></p> </div> </div></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>

Sr Analyst (Bangalore, IN)