Role Responsibilities This is a critical global role within the Retail Bank risk management team under which the job holder will support and manage the execution of the risk management strategy for secured lending products (mortgage and auto loans) across 25 markets. The job holder will need to partner with both the first line of defence, as well as, the larger Retail Bank risk team, to oversee the growth strategy with respect to the secured lending portfolios across Asia, Africa and the Middle East Derive and implement credit risk management strategy within the Group's risk management framework to manage credit risks for the Retail Bank secured lending portfolios, covering primarily mortgage loans, as well as smaller auto loan portfolios. Ensure consistent application and enforcement of credit policies, processes, and controls in all markets. Anticipate changes in credit conditions and work with respective credit officers in markets to implement effective portfolio actions that mitigate potential risks. Proactively manage the portfolio credit risk profile within agreed risk appetite. Provide insightful and robust analysis to facilitate credit policy and risk appetite discussions and decision making in the credit risk governance and management group meetings. Communicate to the 1LOD the strategic intent and collective agenda for the Function, as it relates to secured lending risk. Maintain and develop risk capabilities, skills and infrastructure to meet ongoing business needs and plans for secured lending risk, with an awareness and understanding of the wider business, economic and market environment in which the Group operates. Maintain the Group Credit Policy and Credit Procedure Standards for secured lending, matching the key risk characteristics of the portfolio and enabling effective controls. Supervise implementation and enforcement of the credit policies and risk control procedures for consistent applications across markets to ensure that processes are in place for the risk officers in Group / Region/ Country to monitor the performance. Maintain all credit risk standards and policies for secured lending and ensure it is aligned to the agreed risk appetite reflects the key risk characteristics of the portfolio and enables effective controls. Work with 1LOD to formulate risk appetite for different products and segments facilitate development of new credit programmes to deliver scalable lending solutions. Understand sensitivities to key risk drivers and potential stress impact on the portfolio monitor external factors, such as state of economy, regulatory environment and other emerging risk trends. Review CAD, policy dispensations and programme proposals for new and existing products submitted by business units/countries for approval, to ensure that all risk dynamics are properly addressed and controlled Maintain mortgage and auto loan CADs (Credit Approval Documents) and provide guidance and support to country and regional teams for the related country addenda. Role Requirements Academic Qualifications: Bachelor or above degree with quantitative skills Minimum of 15 years of professional experience, with at least 5 years of recent experience in retail bank credit risk with detailed knowledge and understanding of retail products Candidates with mortgage loan risk experience is a plus Completion of internal mandatory and specific developmental training plans Language: Fluent in English 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 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, parental/maternity (20 weeks), sabbatical (12 weeks 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. 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