Role Responsibilities
To ensure the operations of Data Capture and Drawdown Service team are delivered with quality, within timeline and within budget by good resource allocation and performance development
Strategy
- Appraise and contribute to the execution of the Bank’s country specific strategic plans
- Align the credit risk and lending operations strategy of the function with business strategy, risk appetite and oversee its execution.
- Support to strengthen the team’ s risk culture and accountability.
- Work with country teams to maximize the automation of data capture and loan drawdown operations
Business
- Review and approve loan drawdown cases of SME/Wealth Management/Personal Loan/Mortgage Loan/DRP/BIDRP
- Review and approve fulfilment process of SME MTG/LA
- Loan document preparation and loan limit adjustment process review and approval for Wealth Management business
- Operation process management and training for drawdown services
- MIS reports generation and maintenance
- Expense control and related document management費用出帳控管，文件審閱及控管費用出帳時效。
- Review and monitor budget plan
Processes
- Oversee end to end processes effectiveness for processes within the scope of team’s operations.
- Resolve issues pertaining to service lapses and failures in a timely and effective manner.
- Ensure local processes are efficiently managed.
- Manage stakeholder expectations when unusual variations in work flows or resources availability impact on ability to meet SLAs.
- Process performance is tracked via established SLA, and areas of concern are proactively highlighted and addressed by immediate actions and long term solutions
- Gather ideas, best practice and lessons learned and convert these into useful improvement implementations and share with team members
- Trusting and collaborative relationships built with the relevant functions stakeholders within country.
- Create and maintain a framework where employee experience is continually reviewed and reinforced
People & Talent
- Lead through example and build a risk culture within the team
- Embed with in the team - Ways of Working.
- Ensure team members are appropriately certified and a continuous culture of learning and being more risk aware
- Reinforce lessons learnt and skill development areas
- Review team capacity, team structure and mitigate potential attritions
- Provide timely feedback in line with performance to team members
Risk Management
- Support as the RP for the team and ensure that CSTs are performed to the standard that is required within own unit
- Ensure that operational processes have the appropriate controls in place to satisfy external regulation and internal policy requirements
- Make sure the Audit Trail Log Report is reviewed and correct.
- Operations processes meets standards of controls articulated G, B and L KCSAs
- A proactive risk identification framework is in place to highlight early signs of process failures
Governance
- Maintain a good understanding of the requirements relevant to the role and ensure that these are well understood reflected in internal procedures.
- To show an open and cooperative relationship in dealings with 2LOD and 3LOD.
- In the event of regulatory breaches, policy breaches or where credit appetite have been breached, ensure senior management are informed and that actions are taken quickly to remediate.
- Identifying and reporting all exceptions on non-compliance with standard controls
- Ensure outsourcing arrangements related policies and procedures are fully complied in the team
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 Financial Markets; Financial Crime Compliance; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
- Product, Business, Operations, FRM, Credit Risk, Client Care Centre, Project Teams, Technology, Audit
Other Responsibilities
- Embed Here for good and Group’s brand and values
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
- Team Management
- Turnaround time management
- Process efficiency across end to end
- To support the implementation of internal/external projects
- System enhancements and implementation
Our Ideal candidates
- Certificate of Internal Control and Internal Audit, TABF
Role Specific Competencies
- Credit Skill Assessment
- Leadership Skills
- Growth Mindset
- Problem Solving
- Team Management
- Process Improvement Skills
- Communication Skills
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 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
