Standard Chartered—Manager, CIB Credit Risk Insight and Analytics

Job description

Description: Job Summary The role is responsible for supporting the review, challenge, production and modernisation of CIB Credit Risk reporting and analytics. The role holder will help ensure that key risk reports are accurate, timely, insightful and fit for senior management consumption. The role will also support the move towards a more sustainable reporting landscape by improving automation, dashboards, controls and data quality. The successful candidate will need to combine strong credit risk reporting knowledge, analytical capability and change mindset, with the ability to think ahead on how risk appetite, risk reporting and stress testing can be better connected to support portfolio management and decision-making. Key Responsibilities Strategy • Support the strategy for CIB Credit Risk Reporting, with focus on improving the quality, consistency and usefulness of risk information used by senior management and risk forums. • Review and challenge key CIB risk reports to ensure that outputs are accurate, analytically sound, properly explained and aligned to the underlying portfolio risk profile. • Think ahead on how risk appetite, risk reporting and stress testing can be integrated into a more connected reporting and analytics framework. Business • Prepare, review and explain CIB Credit Risk reporting outputs for senior stakeholders, committees and risk forums. • Translate portfolio data into clear insights, including movements, concentrations, limit usage, emerging risks and areas requiring management attention. • Respond to stakeholder queries on risk reports, risk appetite metrics, stress testing outputs and related portfolio analytics. Processes • Modernise and simplify existing Credit Risk reporting processes through automation, dashboarding, standardisation and improved controls. • Use Python, data analytics and dashboard tools to improve reporting efficiency, reduce manual effort and strengthen repeatability of BAU reporting processes. • Drive change initiatives that support a sustainable reporting landscape, while maintaining discipline over BAU delivery, controls and stakeholder timelines. People & Talent • Build effective relationships with stakeholders across Risk, Business, Finance, Technology and Change to support delivery of high-quality reporting and analytics. • Work collaboratively with technical and non-technical teams to translate reporting requirements into practical, controlled and sustainable solutions. • Demonstrate ownership, resilience and sound judgement when managing competing priorities and time-sensitive deliverables. Risk Management • Interpret CIB Credit Risk information, including portfolio movements, exposure trends, risk appetite usage, concentrations, credit quality, RWA and ECL metrics. • Apply review and challenge to reporting outputs to identify data issues, unexplained movements, weak commentary, control gaps and areas requiring escalation. • Support stronger linkage between risk appetite, BAU risk reporting and stress testing to provide a clearer view of current and forward-looking portfolio risk. Governance • Ensure Credit Risk reports are produced in line with applicable governance, controls, policies and regulatory expectations. • Maintain appropriate documentation, evidence and controls for reporting processes, analytics, reconciliations, change delivery and issue resolution. 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. • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key stakeholders • CIB Credit • Risk Appetite teams • Stress Testing teams • CPM • Risk Reporting and Portfolio Analytics teams • Risk and CFCC Data Strategy Team • Risk and CFCC Change teams • Technology • Group Finance • Country CROs Other Responsibilities • Support change activities required to improve Credit Risk reporting, including requirements definition, UAT, implementation support, data validation and post-implementation review. • Support data quality controls, reconciliations and exception management to ensure that reporting outputs are accurate, trusted and fit for management use. Skills and Experience • Python and data analytics for risk reporting automation • Credit Risk reporting and portfolio analytics • Dashboard design and management reporting visualisation • CIB Credit Risk knowledge • Risk appetite, risk reporting and stress testing integration • Reporting transformation and sustainable BAU delivery under pressure Qualifications • Bachelor’s or master’s degree in a quantitative, finance, economics, risk management, computer science or related discipline. • About 3 – 5 years’ experience in Credit Risk reporting, portfolio analytics, risk appetite reporting, stress testing analytics or related Financial Institution risk roles. • Strong understanding of Credit Risk reporting and analytics in a Financial Institution environment. CIB experience is advantageous. • Strong Python capability for data analysis, automation and reporting process improvement. • Hands-on dashboarding experience, with ability to design clear, controlled and user-friendly management reporting views. • Experience in reporting transformation, process simplification, automation and delivery of sustainable BAU reporting processes. • Ability to review and challenge reporting outputs, identify data quality issues and explain movements clearly to senior stakeholders. • Ability to work under pressure, manage competing deadlines and produce high-quality outputs in a controlled environment. • Strong written and verbal communication skills, with the ability to translate complex risk information into clear management insight. 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.