- 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
Key Responsibilities
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.
• Lead the NA to achieve the outcomes set out in the Bank's Conduct PrinciplesNA
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• NA
[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
• Serve as a Director of the Board of NA
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)
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 XXXX [SCMAC CRM Analytics]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);
SKILLS AND EXPERIENCE
- 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
QUALIFICATIONS
• Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA)
• 5-10 years desired relevant work experience
