Manager - Credit Decision Systems

Job ID: 40289

Location: Bangalore, IN

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 17 Sept 2025

Job Summary

• To build, implement scalable, standardized cost-effective Decision system platform using SM/ Power Curve Originations - PCO to support credit decision automation and real-time application decision.
• Ensure high quality on strategy deliverables are met within agreed timelines
• Support credit automation and implement strategies in-line with approved Country/Group lending
• Follow standard documentation required for development or enhancement of decision systems.
• Defining scope, objectives and use-case and business requirements relating to data quality and enrichment.
• Assist in creating and maintaining data related project schedules by tracking all phases of the project product/service lifecycle, providing timely reporting of issues that impact project progress, coordinating actions, and resolving issues.

Strategy

• Follow standard documentation required for development or enhancement of decision systems.
• Defining scope, objectives and use-case and business requirements relating to data quality and enrichment.
• Assist in creating and maintaining data related project schedules by tracking all phases of the project product/service lifecycle, providing timely reporting of issues that impact project progress, coordinating actions, and resolving issues.

Business

• Retail Risk Operations /Support service

Processes

• Follow standard documentation required for development or enhancement of decision systems.
• Defining scope, objectives and use-case and business requirements relating to data quality and enrichment.
• Assist in creating and maintaining data related project schedules by tracking all phases of the project product/service lifecycle, providing timely reporting of issues that impact project progress, coordinating actions, and resolving issues.

Key Responsibilities

People & Talent

Internal stakeholders

• Group / Country Retail Credit Policy
• Internal IT partners supporting.
• Other Business areas such as Product and Operations

External stakeholders

• Suppliers, vendors and consultants
• Experian Decision Analytics (Vendor for Credit Decision System)

Risk Management

• Identify and share industry best practices and work with the businesses for their feasibility and implementation.

• Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an acceptable timeframe and/or escalated through process owners or risk committee

Governance

• Provide oversight across countries, business units, and support team to ensure compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws, other applicable laws (e.g. laws governing securities activities, company law) and anti-money laundering regulations and guidelines]

• Embed the Group's values and code of conduct in Retail Risk Operations to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees' form part of the culture]

Other Responsibilities

• Business Strategy and Model: Good working knowledge of Standard Chartered's Retail lending business and that of peers in the industry.

• Work closely with various technology/project teams to understand the business meaning of data, and provide analysis and requirements to ensure the data design is fully understood and the development initiatives are in-line with the intended design and standards for Decision System platform.

• Suggest automation in the areas of Credit and process that will enable in aligning to overall business and organizational strategies.

• Non-technical Skills: Strong written / oral communication and influencing skills. Ability to create effective work relationships within and across functions & borders.
• Strong interpersonal skills with the ability to influence and drive consensus
• Risk Management and Control: Ability to identify, assess, monitor control, and mitigate risks in projects implementation.
• Able to clearly call out and articulate areas of risk and concerns to senior management and support
• Governance, Oversight and Controls: In-depth knowledge in writing policy/procedure documents
• Technical Knowledge: Knowledge and hands on experience on SAS
• Experience in implementing global projects specifically on Credit automation.
• Sound technical knowledge in credit strategy implementation via decision system on PCO and NBSM G3 platform.
• Strong ability to mediate and remediate complex cross functional issues and agree on technical solutions.
• Experience with Experian Rule Engine Software tools: SM/ Strategy Design Studio or/and Power Curve.
• Strong SQL programming capability/proficiency.
• Knowledge of mainframe platforms like FDR or Vision Plus, Falcon, Triad, Eagle is added advantage.
• Knowledge of VBA and Unix is desired.
• Support the SDLC process (Software Development Life Cycle) of existing systems which includes design, installation, training, support and validation.
• Act as liaison with external suppliers to troubleshoot system outages and other incidents to ensure performance and stability.
• Create and maintain documentation related to data, systems, and applications. - Monitor strategies and identify performance issues proactively.
• Work closely with Senior Leadership and external vendors on projects, incident reporting, and software installations.

Skills and Experience

• Java Language
• SQL DB Language

Qualifications

• Bachelor's/Master's Degree in Engineering/Science;
• 2+ years- experience working in strategy implementation and validation role.
• Ability to deliver results with minimal supervision.
• Ability to prioritize and complete a variety of simultaneous tasks.
• Strong interpersonal and communication skills, including the ability to work effectively with a wide range of end users.
• Ability to communicate technical information effectively, both written and verbal.

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.