Credit Initiation Lead

4 days ago

Bengaluru, Karnataka, India beBeeRiskManagement Full time ₹ 38,248

Job Overview

This position is responsible for leading the Credit Initiation function in-country, ensuring efficient and effective operations. The role involves shaping the Retail Risk Operations strategic direction, collaborating with stakeholders to deliver against strategic initiatives, and optimizing operating efficiency.

Key Responsibilities
  • Strategic Leadership
    • Provide input into shaping the Retail Risk Operations strategic direction.
    • Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative.
  • Operational Excellence
    • Optimize operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.
    • Ensure cost management discipline in Credit Initiation.
  • Process Management
    • Ensure credit files are processed according to process standards defined by CCO.
    • Lead and drive standardization, automation, and consolidation through re-engineering and process improvement initiatives.
    • Leverage credit assessment infrastructure capability to optimize process efficiency.
    • Act quickly and decisively on risk and control weaknesses.
    • Implement the Operational Risk Framework in Retail Risk Operations and monitor operational risk metrics.
    • Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.
  • Risk Management
    • Identify and share industry best practices and work with businesses for their feasibility and implementation.
    • Monitor application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.
    • Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards.
    • Ensure proper documentation in place for in-country policies and procedures.
  • Governance
    • Ensure compliance with regulatory and business conduct requirements.
    • Embed Group's values and code of conduct in Credit Initiation to ensure highest standards of ethics and compliance among employees.
    • Accountable for satisfactory closure of issues gaps arising from Internal Audits, peer reviews, and regulatory reviews.
  • Regulatory Business Conduct
    • Display exemplary conduct and live by Group's Values and Code of Conduct.
    • Take personal responsibility for embedding highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.
    • Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct, and compliance matters.
    • Lead to achieve outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients, Effective Financial Markets, Financial Crime Compliance, and The Right Environment.
  • People Talent
    • Reinforce lessons learnt from control failures and sub-optimal risk decisions.
    • Strengthen RRO organisation address capability gaps Employee engagement Lead from the front on values and conduct.
  • About Us
    • 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.

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