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Country Credit Head, India & Chief Credit Officer

8.00 to 10.00 Years   Mumbai City   04 Feb, 2021
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryEducation / Training
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

Job Description

  • As Country Credit Head, India & Chief Credit Officer, South Asia it will be the incumbents role to uphold the integrity of the Group s risk/return decisions, and in particular for ensuring that credit risks arising from Retail clients are properly assessed, that risk/return decisions are made transparently on the basis of this proper assessment, and are controlled in accordance with the Groups standards and its Risk Appetite.
Responsibilities:
  • Inform the development of business plans with the provision of cost and impairment forecasts and a balanced judgement on the external environment
  • Contribute to the development of performance management and remuneration processes, in order to encourage the development of an appropriate risk culture and discipline.
  • Assess the credit risk profile of the Retail Clients business and maintain alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors - Initiate, at least annually and with guidance from Group specialists, a stress test and scenario programme, review the results and assess their implications
  • Ensure that effective management response plans are in place to respond to extreme but plausible scenarios
  • Uphold the integrity of risk/return decisions, by challenging business and control function heads to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite
  • Ensure risk identification, measurement and modelling capabilities are objective, consistent and compliant with applicable regulations
  • Design, maintain and effectively communicate risk control parameters across the Retail Clients business, including policies, control standards, risk exposure limits and other control levers in order to maintain the business s risk profile in line with the Groups risk appetite
  • 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 India Retail Risk team to achieve the outcomes set out in the Bank s Conduct Principles
Our Ideal CandidateThe role requires strong stakeholder management, strategic acumen and conceptual thinking, with the ability to structure and organise well. The role holder will be execution orientated, whilst showing strong Leadership and change agent skills An exceptional People manager the successful candidate will demonstrate strong influencing, networking, presentation and communication (written and speaking skills), with the ability to manage in a geographically and culturally dispersed environment Significant banking/Financial Services related experience, with preference for candidates with preferably consumer credit management experience with recent experience in the development and expansion of digital lending in one or more markets. Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role. Technically sound with strong understanding of current and future technologies. Demonstrable track record in successful management and ability to manage risk in geographically-dispersed and highly-varied product base. Applicable Banking/Professional licenses and qualifications desired.,

Keyskills :
creditunderwritingfinancemissalessouth asiacredit riskstress testrisk controlcredit managementrisk identificationperformance management

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