Head, Unsecured Credit Risk Management, AME  (2200023887)


: Risk

Primary Location

: Asia-Singapore-Singapore

Other Locations

: Africa & Middle East-United Arab Emirates-Dubai


: Full-time

Employee Status

: Permanent

Posting Date

: 06/Sep/2022, 5:49:51 PM

Unposting Date

: Ongoing


Role Responsibilities

Job Summary

This role provides strategic direction and oversight of risk management for the AME region within the broader Group Unsecured Risk Team. Works closely with in-country risk management. teams, Product/ 1st line teams, and other cross-functional stakeholders across CPBB and Group Risk.  Reviews and approves policy change and test proposals, sets group policy, provides effective challenge to both 1st and 2nd line proposals, and propagates best practices. Broadly seeks to build sustainable business growth while ensuring sound risk management policies, strategies and practices.


  • Head of Unsecured Credit Risk management(CRM), responsible for managing the portfolio credit risk profile within the Bank’s risk appetite.
  • Ensure consistent application and enforcement of the policies, processes and controls in all markets in a region (either ASA, AME or GCNA as applicable).
  • Drive innovation in advancing Risk Strategy, data usage and risk assessment tool development. Champion efforts at the group level and ensure applicable adoption across the respective region.
  • Provide unsecured risk leadership on digital partnerships including fintech platforms, digital ecosystems and marketplace lenders.  Includes engagement on deal structure, policies and applicable country oversight.
  • Be an agent for positive change and provide key thought leadership.


  • Uphold the integrity of risk / return decisions, through effective challenge of business and control function partners.
  • Ensuring that decisions are properly informed and consistent with strategy and risk appetite.
  • Engage with business functions, including Digital Partnership Risk team, to evaluate potential external partnerships and define requirements for new partner relationships.
  • Drive advancements in strategic risk management activities including test design and growth / risk mitigation credit strategies.
  • Provide robust and insightful analysis on the regional unsecured lending portfolio in MT / Regional Meetings to facilitate risk reward trade off discussions and decisions making.
  • Partner with the business to deliver strategic opportunities while remaining within agreed risk appetite.
  • Engage with the Group Product team and other business stakeholders on initiatives in line with business objectives while ensuring sustainable performance.
  • Work collaboratively with risk control and business partners – always in the spirit of “Here for Good”.


  • Work with Regional and Group Policy Analytics COE for new capability development and policy formulation.
  • Work with Group functions and in-country teams to contribute to and challenge credit loss budgeting and ongoing credit performance forecasts along with loss provision proposals.
  • Monitor, review and control risk profiles to ensure that portfolio shape is in line with strategy.
  • Assist Global Head, Unsecured Credit Risk in maintaining the Retail Banking Credit Policy to ensure policy aligns with the agreed risk appetite, reflects the key risk characteristics of the portfolio, and enables effective controls.
  • Assist Global Head, Unsecured Credit Risk to ensure operational risk assessment processes are maintained and properly reported.

People and Talent

  • Provide for ongoing training and development of staff in both policy and analytical roles.
  • Lead by example and build the appropriate culture and values.
  • Set appropriate tone and expectations for their team.
  • Employ, engage and retain high performing talent including succession planning for critical roles.
  • Set objectives for direct reports and provide feedback and performance management towards exceeding expectations.

Risk Management

  • As technical expert, provide insightful guidance, review / ensure robust analyses to facilitate credit policy and risk appetite discussions and decision making in the risk governance and MT / regional / group meetings.
  • Drive advancements in strategic risk management activities including test design and growth / risk mitigation credit strategies.
  • Anticipate changes in the credit conditions; work with respective credit officers in regional markets to implement effective portfolio actions that mitigate potential risks.


  • Ensure specific and general stress tests are being conducted periodically, in accordance with the assertions made within Group / Regional / Country IAAP documents, including understanding the financial impact of the credit grade migration and potential constraints on new business.
  • Supervision of the implementation and enforcement of the credit policies and risk control procedures.
  • Review program proposals for new and existing products submitted by countries for approval, ensuring all risk dynamics are properly addressed and controlled.
  • Assist Global head of policy in maintaining the Retail Banking Credit Policy to ensure policy aligns with the agreed risk appetite, reflects the key risk characteristics of the portfolio, and enables effective controls.

Regulatory and 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 Regional Unsecured Risk management team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.

Key Stakeholders

  • Country Credit Head and Regional CRO
  • In-country Unsecured CRM team
  • Digital Partnerships Risk team
  • Enterprise Risk Management 
  • Retail Product Management Team 
  • Head, Operational Risk, Retail Banking and Products
Our Ideal Candidate
  • Appropriate academic training in a quantitative discipline such as Statistics, Operational Research and Economics; BA / BS degree  and post-graduate degree  or MBA is desired.
  • 10+ years of functional risk experience in the areas of Retail Credit Risk Management; expertise in non-financial risk management areas is a plus.
  • Good knowledge and grasp of banking practices, financial markets, Basel II and all Consumer Banking lending products at a higher level and awareness of the country regulatory frameworks within the region.
  • Ability to make independent decisions with a strong sense of empowerment and leadership skills to command the respect of a cross functional set of professionals at senior level (internal and external) working in open ended situations.
  • Proven management and leadership skills; Ability to motivate a lead a whole function and multi-country teams into changing and challenging situations; matrix management experience is essential.
  • Excellent communication skills- written and oral.
  • Strong analytical and stakeholder management skills.
 Role Specific Technical Competencies
  • Credit Risk underwriting policy application
  • Credit Strategy analysis and development
  • Cards existing account management
  • Collections and fraud management
  • Credit loss forecasting and impairment process
  • Credit data – internal, external and alternative
  • Risk modelling concepts, metrics and usage
  • Digital payments and fintech capabilities
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.

Recruitment assessments – some of our roles use assessments to help us understand how suitable you are for the role you’ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.


Visit our careers website www.sc.com/careers

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About Standard Chartered

We offer banking services that help people and companies to succeed, creating wealth and growth across our markets. Our heritage and values are expressed in our brand promise – Here for good.

With more than 86,000 employees and a presence in 60 markets, our network serves customers in close to 150 markets worldwide. We're listed on the London and Hong Kong Stock Exchanges as well as the Bombay and National Stock Exchanges in India.