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 & Our Ideal Candidate
Conceptualize, implement and govern the Business Banking Programmed lending strategy
Jointly drive business momentum for Business Banking (BB) BIL, GIL, LAP and Commercial Mortgage products
Generate new business through New-to-Bank acquisition for BB through lending propositions
Develop global processes and standards, tools and frameworks related to Business Banking lending products for implementation by the Country BB Heads and their Product and Segment teams.
Contribute to and participate in overall strategy, governance, direction and performance of Business Banking in the interests of stakeholders, employees and clients
As a member of the Group Business Banking team, contribute to transformation of the Business Banking business by supporting delivery of new capabilities, new product constructs and partnerships.
Define and Develop Business Banking lending strategy in line with the Retail Banking and Business Banking strategy and priorities
Conceptualize, define and design Business Banking lending transformation agenda and prioritize delivery of new product constructs and solutions to support digital lending and partnerships
In line with defined strategies, prescribe performance delivery standards and set targets for Business Banking lending products
Work with countries to ensure achievement of Business Banking lending product budget targets across revenue, drivers and new client acquisition. Conduct root cause analysis and debottleneck issues, as required
In collaboration with Learning and Development, structure and roll-out lending BB RM and service team training framework and modules for Business Banking
Represent Business Banking at lending products governance forums
Deliver Business Banking lending revenue growth and profitability in partnership with Regional and Country teams
Drive engagement with Group RB Risk, Regional RB Risk and Country RB Risk seniors through structuring and leading a regular operating rhythm
Actively support and participate portfolio reviews for BB lending at group, regional and country including PQRs
Support country BB teams on country portfolio and CRD reviews, stress testing, updates to regulators as and when required
Coach country product teams on government sponsored programmes and help setup new product variants based on market developments
Represent BB at senior forums such as RB NFRC, project steering committees and for internal audits
Support the BB transformation through lending automation, Loan Origination System, digitizing processes such as bank statement automation
Deliver product constructs for new business opportunities generated through BB partnerships across eCommerce, Business Services, trade platforms and support new initiatives for , working capital/ trade for BB, digital lending .
Deliver superior profitability through active management of new bookings, interest margins and credit review of portfolio
Own the PPGs for Business Banking lending products: BIL, GIL, LAP and Commercial Mortgages and ensure timely renewal
Support partnership with platforms and digital players such as digital SME service aggregators, eCommerce platforms/ public and private databases/ supply chain ecosystem platforms
In collaboration with credit risk, deliver fit-for-purpose risk initiation and risk policy for BB lending including new frameworks using alternate data sources, discretionary lending
In collaboration with Risk teams, incorporating lending underwriting standards within Loan Origination systems and delivering first-in-market credit decisioning framework and innovation
Coach BB country product managers on lending PPGs, underwriting framework and portfolio management of BB asset book
New business initiatives:
Jointly review existing partnerships and their performance with a view to improving revenue generation dynamics on NTB acquisition and ETB deepening
Lead on CRDs for new lending propositions, underwriting frameworks
Support enhancement of lending products infrastructure (such as Digital Loan origination system) and launch of partnerships delivering new clients and new asset bookings
Develop CVP from BB lending products: new product constructs, new programmes such as government backed guarantee schemes
Support partnerships to enable lending using alternate data: eCommerce, payments, accounting software, digital trade platforms, CIB anchor-led programmes
Support development of business case and tracking of new initiatives/ partnerships
Ensure compliance and familiarity to standards
Work with Group Learning and Talent Development/ curriculum architects to set training standards at Group Level for Business Banking lending products
Work collaboratively with Financial Crime Compliance, AML, L&C on Client Due Diligence and KYC processes
Provide input to governance and operational risk to define measures and controls for prevention of mis-selling, misrepresentation, fraud and for adherence to Treating Clients Fairly principles
Own the Business Banking lending products PPG to ensure regular updates and timely renewals
Ensure adequate and appropriate systems and controls are in compliance for Business Banking lending products, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation.
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 Business Banking lending products vertical to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Financial Crime Prevention; The Right Environment.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters
Regional and Country BB heads
Country BB Product and Segment heads
Country BB lending product managers
Group RB Risk team members
Leverage the opportunity provided by Corporate Social Responsibility to enhance the Group's internal and external reputation and indirectly influence the bottom line
Embed Here for good and Group's brand and values across Retail Clients
Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Apply now to join the Bank for those with big career ambitions.
To view information on our benefits including our flexible working please visit our career pages . We welcome conversations on flexible working.