Director, Portfolio Risk Management

Job ID: 42221

Location: Bangalore, IN

Area of interest: Governance, Risk Management & Compliance

Job type: Regular Employee

Work style: Office Working

Opening date: 28 Oct 2025

Job Summary

This position is for a Director, with an advanced degree in a quantitative discipline; requires extensive experience in the areas of analytics, credit risk management, SAS and Python programming language applied in the Credit Risk Models across Retail (secured and unsecured), Small, Micro and Medium Enterprises (secured and unsecured structured lending and discretionary lending), Wealth and Private Banking segments of Standard Chartered Bank. Ensure high quality service delivery through measurable performance metrics ensuring effective control, stakeholder engagement and leadership development.

Key Responsibilities

• Understanding diverse franchise business of Standard Chartered Group covering 30+ countries, 120+ traditional banking products, 20+ digital lending products.
• In-depth understanding of WRB products, markets, economic situations as well as working experience with decision scorecards, credit action strategies, ECL and RWA models. Additionally, savvy with data systems and structure across product segments.
• Create the 360-degree data view across consumer credit lifecycle, covering internal performance data (vintage, RDF segmentation for CCPL, payment history, delinquency), external data (acquisition bureau, bureau scrub, DSR for mortgage et al), cost data (ECL, RWA et al), Income data, and IIP data.
• This would allow a holistic view on how credit actions may lead to improvement on IIP, ECL and RWA at an individual asset level to overall portfolio level. This would provide the bedrock for 2nd gen LI forecasting framework / models that would allow us to incorporate various shape-change / growth / degrowth scenarios.
• Macro-level periodic review of portfolios and identify pressure points and actionable.
• Assist Group and Country CRMs in their strategy development through the 360-degree data view.
• Take a broad view of all applied and in-force credit remediation actions, determine ongoing effectiveness of past actions and attempt to consolidate and skim actions as portfolios evolve and/or shape change.
• Continuous dialogue with Country Business, Group Products and Finance teams to understand future strategy and actively provide risk recommendations.
• Provide data-backed insights to support business decisions on credit granting and portfolio adjustments. Present findings, risk insights, and strategic proposals to business stakeholders and senior management in clear, actionable terms.
• Support and provide a holistic view of portfolio and assess the impact of different policy interventions on portfolio losses and provisions. Assist the country credit risk team to identifying early indicator of risk in the retail lending portfolio and recommend risk mitigation plans.
• Understand product and recommend potential policy intervention at different point in product life cycle, acquisition, portfolio and/or collection actions, such as line assignment & management, early warning alerts, credit bureau management, etc.
• Effective and strong communications with WRB Country Risk teams, WRB Business (Group and Country) stakeholders and WRB Model development teams.
• Significant experience in effective presentation and in leading and managing multi-stakeholder conversations.
• Strong team management ability with the focus on upskilling and empowering younger team members.

People and Talent

• Lead through example and build the team culture and values in line with the Bank. Set clear expectations from the teams and work in collaboration with all relevant partners.
• Employ, engage and retain high calibre professionals.
• Set and monitor job objectives for team members and provide feedback, develop and reward in line with their performance against those responsibilities and objectives.

Risk Management

• Adherence to laws and regulations, internal risk and compliance policies and the Group Code of Conduct.
• Completion of all mandatory risk and compliance training including e-learning within stated timeframes
• Proactive identification of risks and concerns, including escalation to all relevant stakeholders
• Timely mitigation of risks and resolution of issues including collaboration with all relevant stakeholder functions, and establishment of effective controls

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

• WRB Group and Local Finance
• WRB Group Products Team
• WRB Risk and Local Risk Teams
• WRB Risk Segment Heads
• WRB Reporting Team
• WRB CPM Modelling Team

Other Responsibilities

• Here for good and Group's brand and values in WRB Risk LI team. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures, as required.

Skills and Experience

• Statistics
• English
• Communication
• Team leader
• IFRS9
• Expected Credit Losses

Qualifications

• Post-graduate degree in Business, Statistics, Economics, Data Science, or other related quantitative disciplines.
• Excellent understanding of retail, wealth, private bank retail lending products, and micro, small and medium enterprise products, and their business lifecycles (e.g., sales, underwriting, portfolio management, marketing, collections etc.)
• Significant experience in a similar role; at least 10 years of total experience in a retail banking and/or small business lending analytical function
• 5+ years of experience in managing a relevant team.
• Very good statistical programming skills in SAS or Python, analytical skills and understanding of quantitative credit risk models and their application.
• Excellent Loan Impairment, Provision and Credit risk management knowledge is desirable.
• Experience in direct interactions with Business and exposure to international markets are a must.

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.