About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.
The Role Responsibilities
Undertake Unsecured credit risk assessment on lending propositions
Design, develop and implement data-driven credit onboarding strategies (cut-off setting, indebtedness checks, loan amount assignment, risk-based-procing) for lending products using internal, traditional, and non-traditional data points
System knowledge at implementing decisioning strategies for lending products is a plus
Collaborate with product owners, engineers and data engineers to improve data infrastructure and contribute to a seamless research platform
Partner across the organization with various teams to drive strategies
Ensure that credit models/strategies are accurately tested and continually benchmarked.
Hands-on experience with data mining methodologies and techniques
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. 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.
Our Ideal Candidate
Knowledge and Expertise
Experience in strategy development, customer segmentation and credit policy development for credit risk management for lending products is a plus
Familiar to HKMA regulations around credit management.
Understands HK Credit Bureau data availability and how to optimally use these to propose lending credit strategies.
Strong analytical ability, with technical competency to deliver industry standard outputs.
Achieve excellence in analytical aspirations such as Machine Learning, Blockchain, etc. and create organizational visibility of outcomes and benefits
Knowledge of working with graph databases be huge plus