Senior Manager, WRB Risk Management, Secured

Job Summary

We are seeking a talented individual to join as the Senior Manager WRB Risk Management in Singapore. In this role, you will join a commercially minded team of risk management professionals who drive sustainable returns while diligently managing business risks. As a senior team member, you will work closely with the CRM Head, leading the Secured Risk team to collaborate with internal and external stakeholders at both the country and WRB Group levels in all aspects of risk management.

You will actively manage credit risk end-to-end in a dynamic, fast-paced environment, leveraging your credit risk experience, technical skills, and influencing abilities to manage portfolio risk and continuously evaluate emerging risks to protect the Bank, ensuring performance within established Risk Appetite. We seek an individual passionate about driving meaningful change, new risk strategies, and innovation initiatives while operating with integrity and balance. We are seeking a talented individual to join as the Senior Manager WRB Risk Management in Singapore.

In this role, you will join a commercially minded team of risk management professionals who drive sustainable returns while diligently managing business risks. As a senior team member, you will work closely with the CRM Head, leading the Secured Risk team to collaborate with internal and external stakeholders at both the country and WRB Group levels in all aspects of risk management. You will actively manage credit risk end-to-end in a dynamic, fast-paced environment, leveraging your credit risk experience, technical skills, and influencing abilities to manage portfolio risk and continuously evaluate emerging risks to protect the Bank, ensuring performance within established Risk Appetite. We seek an individual passionate about driving meaningful change, new risk strategies, and innovation initiatives while operating with integrity and balance.

Responsibilities:

• Discharge the second line of defence duties for the secured portfolio, including review, oversight, and effective challenge (including proposing alternatives) of credit proposals from the First Line.
• Ensure alignment of the Risk Management strategy with WRB business strategy and risk appetite for the secured portfolio. Support the CRM Head and partner with key stakeholders in identifying target markets and setting risk acceptance policies to shape the secured portfolio, including managing credit concentration risk and the Bank’s risk-adjusted return.
• Oversee the credit risk environment of the secured portfolio, integrating credit risk management considerations in key decision points to achieve secured portfolio growth and Risk Appetite objectives.
• Proactively develop and deploy credit policy management to support and influence WRB Secured Business.
• Review and provide feedback to management to ensure the practicality and feasibility of implementing a robust credit policy.
• Monitor portfolio quality and ensure performance and losses are within expected thresholds by implementing appropriate credit/portfolio safeguards. Evaluate horizon risks, quantify impacts on vulnerable segments, and introduce credit changes to proactively manage the portfolio.
• Develop and maintain retail secured credit policies, ensuring adherence to group credit and regulatory guidelines. Ensure consistent application and adherence to credit policies and guidelines across cross-functional teams (Credit Initiation, Credit Operations, etc.)

Our Ideal Candidate

• 8 years or more of banking/banking-related experience, with a preference for candidates with consumer credit management experience covering retail secured products.
• Experience in Risk Management for Retail products and with analytics and SAS/SQL/Database Programming skills. Experience in Statistical Modelling/Scorecards/IRB Models is preferred.
• Expertise in process design and control.
• Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role.
• Significant relationship management experience with external stakeholders at senior levels, including regulators and rating agencies.

Role Specific Technical Competencies

• Market Knowledge
• Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role
• Risk Management and Control
• Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.
• Regulatory Framework and Requirement
• Awareness and understanding of the regulatory framework in which the firm operates and the regulatory requirements and expectations relevant to the role.
• Ability to priorities multiple deliverables with demonstrable organizational, project management and time management skills.
• Well versed with various principle and other risk types, its implication of individual and business lending and for overall function.
• Problem Management Process.
• Non-technical Skills
• Effective collaborative skills that contribute to positive working relationships with both internal and external stakeholders including regulators and rating agencies. 
   

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you’ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers