Manager Acquisition Policy

Role Responsibilities
New Acquisitions Management

• Develop and execute acquisitions strategies to support good growth.
• Actively participate and contribute towards development of new and enhanced CCPL products and new system launches for CCPL new acquisitions with focus on Credit risk aspect.
• Manage bank's new product/ service projects through partnership such as Buy Now, Pay Later ("BNPL"). This will cover end-to-end credit cycle review including underwriting, portfolio monitoring and collection management for newly designed financial product.
• Implement strategic initiatives via CRDs/tests to explore new opportunities and challenge the effectiveness of existing policies.
• Manage system and process implementation of credit policy acquisitions changes and ensure error-free execution along with timely cascade of these changes to relevant stakeholders.
• Manage validation and review of existing acquisition rules from time to time as required and identify opportunities to rationalize/optimize existing rules.
• Work closely with CCPL Products, Sales, Operations and Credit Approvers to identify opportunities for process improvement that will help support good business growth.
• Maintenance and timely update of the Credit Policy Manual for CCPL.

Perform regular monitoring on both new business and portfolio performance and take necessary actions to ensure the quality of portfolio is within budgeted credit parameters by reviewing key reports and metrics such as (but not limited to):

• Approval rate and Through-the-door profiling
• Early performance indicators (e.g., FPD/FID, ever30@6 MOB)
• Delinquency by vintage and coincident
• Fraud monitoring
• Monitoring of New channels and new CRDs launched
• Scorecard monitoring reports

Operational Risk/Governance

• Ensure timely update of CAD and timely completion of Gap Analysis for applicable Group policies as and when required.
• Ensure timely review of CRDs and appropriate actions taken before expiry date.
• Ensure risks of processing failure are being actively controlled end-to-end.
• Ensure compliance with the Group's standards and regulatory requirements pertaining to Money Laundering and KYC.
• Participate in and / or support the Bank's effort in combating money-laundering activities.
• Ensure compliance with local regulations and group policies.
• Ensure compliance to the operational Risk Framework including the effective application of risk toolkit e.g., KPIs/KRIs, CSTs and reporting.
• Ensure material risk exposures and related issues are reported to the responsible governance committees and to Group and business level committees as appropriate.
• Work with the Quality Assurance (QA) team to incorporate Policy changes in the various QA exception reports and resolve QA findings in a timely manner.

Regulatory & Business Conduct

• MAS Regulatory Compliance
• Adhere to Responsible Financing Regulations
• Adhere to Group Policies and Standards
• 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

• PM&F / SCMAC
• Collections
• CCPL Business
• Credit Initiation and FRMU
• Compliance
• CCPL Operations
• Group Risk

Our Ideal Candidate

• 7+ years of experience in risk policy framework, or governance or portfolio management related role.
• Ability to plan, organize, lead, and make spontaneous and rational judgments and decisions.
• Knowledge on Unsecured products (cards / personal loans).
• Strong analytical skills in resolving operational and systems issues.
• Strong knowledge on credit model and statistical tool such as SAS.
• Good communication and interpersonal skills.
• Sound knowledge of banking practices, relevant legislation, and Statutory and Regulatory requirements.
• Strong presentation and negotiation skills.

Role Specific Technical Competencies
Market Knowledge

• Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role.

Risk Management and Control

• Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.

Regulatory Framework and Requirement

• Awareness and understanding of the regulatory framework in which the firm operates and the regulatory requirements and expectations relevant to the role.
• Ability to priorities multiple deliverables with demonstrable organizational, project management and time management skills.
• Well versed with various principle and other risk types, its implication of individual and business lending and for overall function.
• Problem Management Process.

Non-technical Skills

• Effective collaborative skills that contribute to positive working relationships with both internal and external stakeholders including regulators and rating agencies.

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