Credit Analyst

Strategy
Provide inputs in shaping the Retail Risk Operations strategic direction
Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative

Business
Optimise operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.
Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.

Processes
Ensure that credit files are processed while adhering to the process standards defined by CCO, Retail Clients.
Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.
Leverage and build credit assessment infrastructure capability to optimize process efficiency.
Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.
Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.

People & Talent

Risk Management
Identify and share industry best practices and work with the businesses for their feasibility and implementation.
Monitor through the door 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 and updated documentation in place for in-country policies and procedures

Governance

Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
Embed the Group s values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.
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 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.
Lead the [country / business unit / function/[team] to achieve the outcomes set out in the Bank s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] *

Key stakeholders

Internal stakeholders
o Country Retail Risk Head
o RRO Team, Policy Team
o Country Business Heads and Product Head, Retail Client segment
o In-country governance forums (as may be applicable)
o Country Fraud and Collections Heads
o Internal IT partners supporting Retail Clients business
o HR & L&TD team
o Operations, L&C and Customer Experience Management Unit
External stakeholders
o Auditors and Regulators
o Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks
o Suppliers, vendors and consultants