Standard Chartered Bank - Credit Manager - Medium Enterprise

- Optimization of economic capital to create sustainable value in WB business by crafting and agreeing risk appetite that helps to achieve a desired risk profile from which we can secure relatively better returns than our competition over the longer term.

- To ensure that the quality of the Corporate credit portfolio of Commercial Banking in India - South II is maintained within acceptable parameters, as defined by CB credit policy and country underwriting standards (CUS), and that the reporting of information relating to that portfolio is timely and accurate.

- To instil a strong credit culture by setting the highest standards and demanding that these are maintained by all Business teams in India - South II.

- Proactive management of the portfolio credit risk profile within agreed risk appetite. Reducing P&L volatility by running a largely - surprise free- and well managed WB book.

- To be the contact point on country credit risk matters for local country regulators and external auditors.

Credit Process

- Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.

- Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.

- Workshopping of new business deals with the Business Team and providing them with new business/product ideas.

- Highlighting/Approving breaches of applicable Risk Authorities Policy and Local Lending Policy.

- Undertake regular customer visits to better understand the business environment.

- Maintain Turn-around Time of BCA approvals.

Portfolio Management

- Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted/approved.

- Ensure EAR process is adhered to and participate in the monthly EAR & ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.

- Support all portfolio related analysis for various reviews initiated within/outside the country.

Business Contribution

- Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.

- Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk/reward relationships.

- Maintaining credit quality and standards of professionalism for the risk function.

- Ensure effective implementation of Group Policies / Circulars / Procedures.

- Participate actively in any group initiative to improve systems and processes

- Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.

Stakeholder Management

- Actively engage all stakeholders (eg. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.

- Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner, especially when turning down proposals.