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AVP. Credit and Country Risk Reporting

AVP. Credit and Country Risk Reporting

ConfidentialChennai, India
6 days ago
Job description

Job Summary

  • GBS RRSD Unit comes under the Group Risk and CFCR Function. It handles wide spectrum of activities to support the Enterprise Risk Management, Traded Risk Management, Risk & Compliance Reporting

Wholesale Credit and Country Risk Reporting (WCCRR)

  • The primary responsibility of this role is delivery of CIB credit risk reporting and MI, working directly with and supporting the group CIB credit risk team, which rolls up to into the Global Head of Reporting, Risk & CFCR. The risk reports are used by risk managers, Group Risk Framework Owners, committees and senior management, Regulators, and other internal stakeholders.

    • The team involved in every stage of a reporting process

  • Requirement gathering, collaboration with group and country teams to identify metrics for reporting.
  • Evaluate Data Availability & proactively manage data quality requirements.
  • Tactical solutions to bridge the gap while implementing strategic solutions.
  • From testing till Go live
  • Partner with Data Strategy / Technology for strategic sourcing & self- service models
  • Insights & Commentaries
  • Enhancements to the reports
  • Risk Identification and Controls review for the process.
  • BCBS239 requirements

    • Responsibilities

    Key Responsibilities

  • Responsible for the second line of defence responsibilities related to Credit Risk, which involves oversight and challenge of risk management actions from the First Line, including the following :
  • The Group's Enterprise Risk Management Framework ('ERMF') with regards to Credit Risk, which sets out the Group's approach to risk management and the control framework within which risks are managed and risk-return trade-offs are made.
  • The Group's Risk Appetite Framework, with regards to Credit Risk, which sets out the Group's appetite to material risk types that it is exposed to. Monitor compliance to Board approved risk appetite using the risk information report covering principal risk-types Credit Risk; and highlight significant matters to the attention of senior management.
  • Assist in ensuring a robust effectiveness review process for the ERMF with regards to Credit Risk and escalate significant matters and / or gaps in ERMF implementations to senior management.
  • Assist in the preparation of all Industry Portfolio Mandates (IPMs) or its replacement, including governance / process oversight for FIs (herein refer to 'Credit Risk Industries', refer to Reference Note).
  • Reference Note : Credit Risk Industries include (1) Oil & Gas, (2) CTA, (3) Shipping Finance, (4) Metals & Mining, (5) Aviation Finance, (6) Project Export finance, (7) CRE and (8) any other industries that are currently not in the list, but included as Business / RA Strategy

    • Governance framework

    Responsible For The Following

  • Building a culture of good conduct in the CIB Risk Reporting function and embedding the Risk Reporting Standards and ERMF.

    • Strategy

  • Assist in the planning and development of risk parameters under Credit Risk Industries, Credit Underwriting Principles according to Risk Tolerance and Policy Frameworks and documents in portfolio standards.
  • Assist in the planning and development of risk parameters according to Risk Tolerance and Policy Frameworks and documents.
  • Identify, measure, and monitor risk profiles at the portfolio level under Credit Risk Industries and ensure alignment of strategy across the various Regions.
  • In relations to the Credit Risk Industries and Credit Underwriting Principles, inform the development of business plans (if any) and a balanced judgment on the external environment

    • Skills And Experience

    Business

  • Assist in aligning strategy of the Risk Reporting function with business strategy and risk appetite for the Credit Risk Industries and Credit Underwriting Principles.
  • Identify, measure, and monitor material risk affecting CIB portfolio reporting in the context of the external market environment.
  • Maintain and develop the risk capabilities, and skills to meet ongoing business needs and plans.

    • Processes

  • Assist in control of portfolio within the set risk parameters to ensure risk profile within risk tolerances for reporting and governance purposes.
  • Ensure compliance with applicable internal policies, and external laws and regulations, insofar as related to Credit Risk Industries. / Reporting.
  • Continuously improve the operational efficiency and effectiveness of the risk management, reporting and governance processes.

    • People & Talent

  • Continue sharing the knowledge and experience on portfolio management and governance with the rest of the reporting team

    • Risk Management

  • Assist in assessing the credit risk reporting profile of the Corporate, Commercial & Institutional Banking portfolio under the applicable Credit Risk Industries and Credit Underwriting Principles, maintaining alignment with Group Risk Appetite by rebalancing of risks or controls that may be required in response to internal and external factors.
  • Participate and contribute key process related initiatives related to the applicable Credit Risk Industries / Reporting.
  • Preparation of various portfolio review packs including but not limited to Credit Risk Industries and Credit Underwriting Principles as required from time to time.
  • Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures, governance, and reporting
  • Obtain assurance regarding the effectiveness of the business controls and compliance with internal governance procedures.

    • Governance

  • Ensure Operational Risk and regulatory compliance, governance, monitoring and control for the Industry Risk. To provide support on credit policy and risk appetite conformance.
  • Support the Credit Underwriting Principal portfolio metrics (e.g. CG, tenor, geographic thresholds, etc.) are well controlled, monitored and of good standards.

    • 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 team to achieve the outcomes set out in the Bank's Conduct Principles Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

    • Key stakeholders

  • Group and country CROs.
  • Group Infrastructure and change management.
  • Associated Technology partners
  • Business desks
  • GBS Management team

    • Other Responsibilities

  • Participate in at least 2 days of volunteering per year.
  • Participate in engagement activities.
  • Be motivated and actively engage in activities like innovation and automation initiatives.
  • To hold assigned roles of First Aider / Fire Warden / ADCC as appropriate and discharge the expected responsibilities.

    • Qualifications

    QUALIFICATIONS

  • Postgraduates / Professional qualification with 12+yrs experience in Risk domain
  • Risk Certifications from established institutions is recommended.
  • Any technical Certification in MS Office Advanced tools / Python / Tableau will be preferred.

    • General Skill Set

  • Worked with Multinational Banks
  • Credit Risk Management and Underwriting experience.
  • Managed specific Industry profiles like Oil & Gas, Shipping, Commodities, etc
  • Hands-on skills - PYTHON
  • Awareness of trading environment, market moves & potential impact on exposures.
  • Excellent communication skills - verbal and written.
  • Be able to work in a global team.
  • Project management experience and documentation skills
  • Be able to implement strategic ideas and enhance productivity and efficiency levels
  • Significant Experience in major regulatory programs in the Risk / Finance, Banking industry – BCBS, IMM, CVA etc

    • Skills And Competencies

  • Manage conduct
  • Manage conduct
  • Manage risk
  • Manage people
  • Fm products
  • Problem Solving skills
  • Sas / python / sql

    • About Standard Chartered

    We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
  • Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

    • What We Offer

    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 leave, parental / maternity (20 weeks), sabbatical (12 months 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.

    • Skills Required

    Sas, Tableau, Sql, Python

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