Associate Director

Job Summary 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 Create insights for Retail Risk by studying portfolio trends performing necessary analytics such as segmentation profiling cut-off setting stress testing sensitivity analyses Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions Provide analytical support to various Risk Reviews perform ad-hoc analytical requests to support policy changes Participate in selective strategic initiatives to build and enhance Group s in-house analytics capabilities Key Responsibilities 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 Key stakeholders o Head - CRM Analytics o Head - CRM Secured Unsecured o Global Head - Credit Risk Management Retail o Country Credit Head Country CRM Head o Regional Credit Officers CROs Qualifications Advanced degree preferably Masters in a Quantitative Discipline e g Math Stat Eco Engineering Finance MBA 5-10 years of 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 26011