Manager CRM-2400003193

The Role Responsibilities

• 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

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Head – CRM Analytics
• Head – CRM Secured, Unsecured
• Global Head – Credit Risk Management (Retail)
• Country Credit Head, Country CRM Head
• Regional Credit Officers/CROs 

Other Responsibilities

• Embed Here for good and Group’s brand and values in SCMAC CRM Analytics; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

• Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA)
• 2-6 years desired relevant work experience

Role Specific Technical Competencies

• Analytics experience
• SAS, SQL
• Communication Skills
• Office tools (Excel/ PowerPoint)
• Project Management Skills
• P&L forecasting & Understanding data structure
• Analytical Tools (Python, R, SAS Eminer, Knowledge Studio)
• Predictive Modelling, Machine Learning
• Financial Services products, in particular Retail Banking

About Standard Chartered 

We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term