Job Description

Job Summary

• Responsible for designing and implementing seamless product frameworks to scale the solutions for Medium Enterprises (ME) in GCNA (Greater China North Asia) markets including Hong Kong and China.
• Responsible for managing performance of credit analyst organization and streamlining structure, process, roles and capabilities to optimize on quality and efficiency of ME credit approvals in HK and China.
• Collaborate with Tech delivery, Credit risk, Fraud risk and Operations team to enhance the capabilities for efficient Client Relationship Management (CRM), Portfolio Monitoring and Management.
• Collaborate closely with HK and China SME Heads, Product Heads, Credit Risk, Operations, Stressed asset team and Learning team to manage training needs of frontline staff.

Strategy

• Ensure that ME lending solutions in HK and China are relevant in the market and aligned to the Group SME strategy
• Benchmark our ME proposition against client needs and competition offerings, especially in key markets, to identify gaps and opportunities
• Provide data driven analytics & insights to drive strategic discussions at the SME Management Team
• As Head of CA team, provide leadership reinforcing commitment to CA structure and strong business focus. Provide oversight into the quality of credit analysis performed within the team. Be a mentor to the team, guiding them on career planning and progression and building a highly motivated team.

Business

• To partner both Coverage and Risk, supporting the former in developing and executing their client strategies and both teams in respect of credit analysis-relevant matters.
• Assess the effectiveness of product framework and ensure they are fit for growth
• Creating product and policy mix driven by client needs to offer seamless and easy solutions
• Work closely with the country product and segment heads to deliver comprehensive solutions for trade, forex and Wealth needs

Processes

• Ensure that the approval, fulfillment and transaction processes are simple and streamlined and to client needs and calibrated to the risks involved.
• Develop a regular operating rhythm with stakeholders and appropriate governance framework to ensure that the portfolio shape and quality is in line with the strategy
• To provide insightful, relevant, succinct and timely credit analysis of a portfolio of SCB’s clients (current or prospective
• Analysis to provide a forward-looking view of the likely business and financial risks and potential mitigations. It should provide holistic counterparty assessment on structural elements relevant to SCB exposure and while it should be granular, opinion needs to be in succinct manner for presentation.
• Overall accountability for consistency and coherence of the complete BCA submitted to Risk will rest with Credit Analysis team and is a key element of the strategy

People & Talent

• Participate actively in shaping the SME Learning agenda for SME frontline especially the ME RMs
• Develop strong credit analyst capabilities for effective 1st line of defense and business enablement
• Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
• Share best practices and lessons learnt to build institutional capabilities for scaling the business

Risk Management

• Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable
• Ensure infrastructure, processes, policies and control framework for SME Banking business is designed to appropriately and adequately manage the inherent risks in the product, keeping in mind that risk has multiple facets and goes beyond credit risk (e.g. operational risk, fraud risk, counterparty risk etc.)
• Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as

through proactive and considered discussion of key risk aspects

Governance

• Ensure that the overall risk and control framework in SME for is fit-for-purpose and working well within the risk appetite
• Understand the regulatory and legal framework governing products in markets
• Engage and present to Product Governance Committee and other relevant forums such as Risk Committee and other forums/committees as and when required
• Manage the credit change process globally across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution.
• Coordinate regional / global efforts to ensure compliance with BCA renewal policies, CaRT and other credit administration processes.

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

• Market Heads of SME Banking and Global Head of SME Risk
• Product and Segment Heads
• Stressed Asset and Collection teams
• Data, Digital and Analytics teams
• Legal, Audit and Compliance

Qualifications

• Min 15 years’ lending experience in Commercial or SME banking
• Deep understanding of Trade and Working Capital products in a Product Management, Relationship management, Credit Risk or Stressed Asset Management role
• Strong analytical and problem-solving skills
• Proven ability to effectively collaborate with a wide range of stakeholders
• Proactive and positive with the ability to use independent judgement and make sound decisions
• Excellent written & oral communication skills

Skills and Experience

The ideal candidate will have a deep understanding of Trade and Working products, a strong risk mindset with knowledge of the enterprise risk management framework developed within a leading international bank, and an appreciation of the relevant nuances within the GCNA markets. Exposure to SME and mid-market clients and an understanding of their unique requirements is essential.