
Manager - Credit Decision Systems
2 weeks ago
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.
-
Bengaluru, Karnataka, India HSBC Full time ₹ 20,00,000 - ₹ 25,00,000 per yearJob descriptionSome careers have more impact than others.If you're looking for a career where you can make a real impression, join HSBC and discover how valued you'll be.HSBC is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses...
-
Credit Manager
2 weeks ago
Bengaluru, Karnataka, India Muthoot Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per yearCompany- Muthoot Finance LtdRole- Credit ManagerLocation- Bangalore (Lingarajapuram)Note- Notice period should be 30 Days.Roles and ResponsibilitiesManage credit risk by assessing borrower's financial status, evaluating loan applications, and determining loan amounts.To manage credit management function and oversee the according to, policy and process credit...
-
Credit Manager
2 weeks ago
Bengaluru, Karnataka, India Kotak Mahindra Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per yearCredit Manager-Housing Finance-CreditJob Role :As part of Credit Team for Home Finance• Managing team of Credit Managers• Underwriting & making proposals of home Finance ( Fund & Non Fund based )• Under writing cases with desired level of quality and enabling achievement of branch business target by proper training.• Visiting customers for personal...
-
Credit Support Manager
2 weeks ago
Bengaluru, Karnataka, India JPMC Candidate Experience page Full time US$ 90,000 - US$ 1,20,000 per yearAre you looking for an opportunity where you can develop your skills and be part of a growing dynamic team?As a Credit Support Manager I within JPMorganChase, you will ensure compliance with credit agreement terms for a portfolio of borrowers. Your understanding of financial covenants is crucial in assessing borrower adherence and identifying defaults. You...
-
Head of Data
24 hours ago
Bengaluru, Karnataka, India Credit Saison Full time ₹ 12,00,000 - ₹ 36,00,000 per yearAbout Credit Saison IndiaEstablished in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale,...
-
Credit Specialist
5 days ago
Bengaluru, Karnataka, India WeRize Full time ₹ 4,00,000 - ₹ 6,00,000 per yearRole Overview: You will be joining us in an entry-level role where you will assist in processing credit applications, verifying financial information, and ensuring accurate credit assessments. Collaborating closely with senior associates, you will gain insights into credit management practices and play a key role in maintaining the efficiency of our...
-
Credit Analyst-
2 weeks ago
Bengaluru, Karnataka, India Innoventes Technologies Full time ₹ 9,00,000 - ₹ 12,00,000 per yearAbout the RoleWe are seeking a detail-oriented and analytical Credit Analyst to join our team. The role involves evaluating the creditworthiness of individuals and organizations, assessing financial data, and preparing reports to support effective decision-making in lending and credit risk management. Key Responsibilities● Conduct thorough analysis of...
-
OTC - Credit Management
2 weeks ago
Bengaluru, Karnataka, India Lynkstr Full time ₹ 9,00,000 - ₹ 12,00,000 per yearcredit analyst evaluates the creditworthiness for new customers onboardedAnalyze financial data and reports to determine customers ability to repay, assist controllers for decisions and managing credit risk.The duties of Credit Analyst include reviewing sales orders on hold and sending reminders via email to the collections team.Providing sales team with...
-
Manager, Credit Control Europe
23 hours ago
Bengaluru, Karnataka, India Levi Strauss & Co. Full time US$ 90,000 - US$ 1,20,000 per yearJob DescriptionCalling all originals: At Levi Strauss & Co., you can be yourself — and be part of something bigger. We're a company of people who like to forge our own path and leave the world better than we found it. Who believe that what makes us different makes us stronger. So add your voice. Make an impact. Find your fit — and your future.Summary Of...
-
Regional Credit Manager
19 hours ago
Bengaluru, Karnataka, India Muthoot Finance Full time ₹ 1,04,000 - ₹ 1,30,878 per yearRoles and ResponsibilitiesManage credit processing, underwriting, and monitoring for personal loans and unsecured loans across multiple channels (branches & digital).Oversee a team responsible for credit assessment, appraisal, approval, and disbursement of loans.Develop and implement effective strategies to minimize defaults and recover bad debts.Collaborate...