Credit Initiation Approver - Product - Loan Against Property/Home Loan/Mortgage Loan - Bank

Credit Initiation Approver (Product - Loan Against Property/ Home Loan/ Mortgage Loan) - MNC Bank

Strategy:

- Awareness and understanding of TAT and Productivity of underwriting team with respect to different products. Manage a team of Analysts for processing transactions within the defined CCPM parameters. Handle local investigations for FRM supporting central FRM and GBS

Business:

- Awareness and understanding of the multiple-products, various stakeholders and the market in which we operate

Processes:

- Maximize the opportunity to reduce costs without compromising controls through hubbing, automation and streamlining of processes

People & Talent :

- Strengthen the RRO organisation, address capability gaps and refresh development. Drive and continuously Employee engagement. Manage a team of Analysts for processing transactions within the defined CCPM parameters

Risk Management:

- Strengthen discipline in adherence to processes and standards and ensure country procedures aligned to Group standards. Fully engage in initiating and driving the programme of embedding a risk culture. Strongly reinforce lessons learnt from control failures and sub-optimal risk decisions

Governance :

- Improve the effectiveness of the reviews / meetings / forums to achieve precision in identifying key vulnerabilities and speed in mitigating emerging risks. Ensuring unit is always following OR guidelines. No surprise findings in GIA, Regulatory and Peer Reviews

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 [country / business unit / function/XXX [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

- [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation]

[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]

- Serve as a Director of the Board of [insert name of entities]

- Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Key stakeholders:

- CI Team, CO Team, Business Teams, Policy Team, Product Team, Collection Team, Branch Team, CCU Team, Legal & Compliance Team, Bank empanelled external vendors

Other Responsibilities:

- Escalation management, Ensure smooth processing of BAU work, Manage work force in optimum way so as to get maximum output, Continuous training and feedback sharing, Anticipate changes well in advance