• Competitive
  • Ho Chi Minh City, Thanh Pho Ho Chi Minh, Vietnam
  • Permanent, Full time
  • Standard Chartered Bank
  • 2019-06-18

Credit Initiation Senior Manager – Secured Credit

  • Location: Ho Chi Minh City, Thanh Pho Ho Chi Minh, Vietnam
  • Salary: Competitive
  • Job Type: Full time

Credit Initiation Senior Manager – Secured Credit

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
  • Execute the Retail Risk Operations strategic direction and manage Country Business Clients and Retail Clients (secured lending) CI's activities and processes.
  • To instill strong credit culture by setting highest standards and demanding these are maintained by all business partners within Business Clients and Retail Client.
  • Responsible to assess and authorize facilities for Business Clients and Retail Clients (secured lending) in accordance with established credit policy and guidelines while striving to achieve the highest level of credit quality, risk control, customer service, cost saving and profitability.
  • Responsible for ensuring quality of all approved loans with minimum delinquency.
  • Support Head RRO in working with Regional Retail Risk Operations, CCH/CCRO and other stakeholders in-country for smooth functioning of Credit Initiation processes and activities
  • In management role, the jobholder is expected to maximize the team's productivity, reducing processing time/cost, contributing initiatives to strengthen the quality of underwriting process.
  • Others when required
  • Provide inputs in shaping the Retail Risk Operations strategic direction, specializing ones which are for Business Clients and Retail Clients (secured credit).
  • Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative
  • Optimise operating efficiency while balancing the effectiveness of decision making within the team which is under the jobholder's management.
  • Identify, coordinate, drive and implement productivity projects for the country.
  • Provide high level of service to the internal and external customer based on accuracy responsiveness and turnaround times
  • Ensure that credit origination decisions are executed in line with the delegated authority while adhering to the process standards defined by Group's policy.
  • Lead and drive standardization, automation and consolidation through re-engineering and process improvement initiatives in the country for Credit Initiation.
  • Manage capacity planning. Develop and maintain robust and scalable Business Clients & Retail Clients Credit Initiation's processes to execute risk management policies and strategies.
  • Leverage and build credit assessment infrastructure capability to optimize process efficiency.
  • Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
  • Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.
People and Talent
  • Support the identification, engagement and retention of high quality professionals within the team.
  • Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
  • Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
  • Lead through example and build the appropriate culture and values within the Credit Initiation team. Set appropriate tone and expectations from the team and work in collaboration with risk and control partners.
  • Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.
Risk Management
  • Identify and share industry best practices and work with the businesses for their feasibility and implementation.
  • Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.
  • Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.
  • Provide guidance, advice, training, and supports to the credit staff as well as front-line staff on credit issue and monitor the quality of their credit decision
  • Provide oversight on Credit Initiation team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
  • Embed the Group's values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.
  • Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.
  • Ensure that credit risk exposures are managed within the establish limits, appetite and standards and that regulatory reporting requirement are satisfied
  • Highlight and analyze credit failures to identify ways of improving the credit approval process
  • Ensure minimum satisfactory results from all internal and external audits

Apply now to join the Bank for those with big career ambitions.