JOB SUMMARY
- This role could be based in Singapore and India. When you start the application process you will be presented with a drop down menu showing all countries, Please ensure that you select a country where the role is based.
Leadership and Team Development:
- Provide leadership reinforcing commitment to structure and strong business focus. Be the mentor to the team, guiding them on career planning and progression, building a highly motivated team.
Service Provision:
- To build and manage the Credit Analysts (“CA”) and Climate Analysts hubs infrastructure supporting the CIB business globally.
Credit Analysis & Portfolio Oversight:
- In partnership with Country CA teams, PAM and Global Banking Teams, provide portfolio management and execution support for the credit approval and administration processes of clients by applying a holistic approach to managing risk.
Climate Risk & Assessment / Questionnaires Oversight:
- Be responsible for the design, implementation and delivery of Climate Risk Assessments for the Bank. This includes working with internal and external stakeholders, principally relationship managers, credit analysts and ESGR. Play a key role in shaping processes, system solutions and leading activity to deliver the Book of Work of Climate Risk Assessments. The Climate Analyst Hub Teams are co-located with the Credit Analyst Hubs in Bangalore, and the future GZ China and Warsaw Poland hub locations.
Stakeholder Partnership:
- To partner with Country CA Heads, CIB Coverage, CSO, COO CoE and Risk in developing and executing their client strategies and both in respect of credit analysis-relevant matters and Climate Risk, Environmental, Social, Governance and Reputational Risk. Partnership with GBS and managed service providers for the effective provision of credit, Climate and ESGR analysis.
Enablement:
- Own and run CA and Climate Analysts enablement-related initiatives, including engagement to identify pain points / bottlenecks, and to drive resolution with multiple stakeholders (process, policy & platform owners; 2LoD; Product; 3LoD, etc.).
Coverage:
- Management of the CIB CA and Climate Analysts Hub teams across India, China, Egypt and Poland to provide support to CIB teams globally. Develop appropriate economies of scale, continual uplift of hub team service and quality levels, and implement strong operational risk management within the Hub infrastructure.
KEY RESPONSIBILITIES
- Partnering with Country CA leads to support the provision of portfolio management for the credit administration process of clients by applying a holistic approach to managing risk.
- Partnering with Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects;
- Partnering with Risk through clear presentation of credit analysis as well as through proactive and considered discussion of key risk aspects;
- Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB (in particular, working closely with CA COE office & Change Management team as well as the global CA Head community);
- Support Relationship Managers in understanding the clients Climate Risk scores, identified gaps and provide guidance to resolve any Climate Risk Triggers that may need client engagement.
- Acting as a broader point of expertise in respect of Climate Risk aspects with Product and others across SCB.
- Ensure appropriate engagement with stakeholders – country Credit Analyst teams, country / regional business heads and country Credit teams to align priorities and proactively address any issues;
- Cultivate, collaborate and maintain close relationships with respective internal partners, including respective Risk units, Legal, Compliance, MDU and LDU, as well as CRC in the course of everyday business.
- Partnership with GBS and managed service providers for the effective provision of credit and client risk management services within the wider Hub infrastructure
Credit Analysis
- Timely drafting of credit analysis as directed by Hub Team Leads, such analysis should be insightful, relevant and succinct and include the following where required by Country CA teams, inter alia:
- Discussion of the dynamics and nature of the Client’s industry, competitive positioning, including key risk aspects;
- Discussion of management strength, experience and track record and corporate governance more broadly;
- Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks
- Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity;
- Assessment of balance sheet strength, alongside cash flow and profitability vulnerability, via ratio analysis and/or stress testing including a current / performance forecast expectation;
- Discussion of other pertinent risk aspects associated with a particular proposed transaction, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
- Completion of Group Mandate/BCA Part 1, Part 2, financial spreads, scorecards, and other relevant BCA package attachments (including country-specific regulatory and PS checklists);
- Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
- Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
- Complete ESRA (Environment and Social Risk Assessment) and RRMA (Reputational Risk Materiality Assessment);
- Supporting business on structuring deals;
- Documentation support on credit aspects and working with CRC/LDU on BCA reworks;
- Testing and Monitoring Covenants & Risk Triggers;
- CIC / Early Alert & ASTAR reporting/updates to credit;
- Seek pre-approval endorsements (where applicable);
- Preparing country specific regulatory check-lists (where applicable);
- Credit stress testing (where required)
Climate Risk
- Provide oversight on quality of Climate Risk Assessments and continuously strive to be best in class.
- Address training needs holistically, provide coaching and encourage independent analysis.
- Monitor and publish metrics to give visibility on TAT / overdues etc.
- Develop industry and segment expertise within the Climate Analyst Team.
- Provide senior representation on relevant urgent transactions requiring Climate Risk Assessment and be the joint owner with Credit on climate risk matters related to audit and regulators.
- Identify and highlight issues faced by Climate Analysts and be the change agent to drive process improvement, working closely with credit, policy and other stakeholders. Share best practices globally with Team leads.
- Participate in projects and coordinate with teams leads to ensure effective, disciplined, consistent and holistic approach to managing climate risk and maximizing business opportunities.
- Support growing the business and actively participate in the underwriting of new cross border deals and Climate Risk Assessment of new and existing clients that are in scope.
SKILLS & EXPERIENCE
Process Improvements
- Identify opportunities to optimise offshore CA processes – driving improved effectiveness and organizational efficiency.
- Ensure strong offshore CA awareness of key operating model changes impacting clients and CIB Coverage frontline roles.
- Work closely with the in-country CA Heads and BPMs to be a point of escalation across issues and concerns.
- Drive credit process improvements alongside COO CoE
- Optimise offshore CA and Climate Analysts process flow and platform design.
- Identify key changes in process required to enable speed, accuracy, scalability and effectiveness.
Management & Leadership
- Provide strong leadership for the Credit Analysts and Climate Analysts Hub Teams ensuring independent, quality and timely credit analysis, Climate risk analysis and ESGR assessment that supports CIB business needs;
- Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods of serviced locations;
- Develop and execute training plans for Hub team including induction for new joiners;
- Provide credit-specific coaching to newer or less experienced members of the Hub teams;
- Support Business in the on ad-hoc projects and strategic initiatives;
- Coordinate and engage with onshore CIB teams to support a cohesive service offering across in-country and Hub Credit Analyst teams.
- Publish metrics to demonstrate quality and timeliness on credit, and assessment work performed by the Credit Analysts and Climate Analysts Hubs
- Support Hub Team Leaders, in-country CA teams and others in the broader team on ad-hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities.
- Continually strive to share key relevant knowledge and learnings with others across the team;
- Provide credit-specific coaching to newer or less experienced members of the team.
- Develop appropriate team culture, ways of working, and client service focus within the Hub teams.
- Facilitate staff development and growth opportunities across Credit Analyst and Climate Analyst hub teams.
Risk Management and Governance
- Final portfolio responsibilities are managed and controlled by the responsible in-country Business / Risk stakeholders (i.e., risk governance matrixes pertaining to in country portfolio Risk Mandate / Appetite). Global Hub lead will ensure that appropriate support is provided to in country business / risk teams to facilitate this.
- Support Country CA Heads to improve the management of limits and exposures across geographies; conduct comparative analysis of risk vs. return using portfolio data and provide recommendations for optimizing portfolios and use of capital;
- Manage the credit change process globally across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution;
- Coordinate regional / global efforts to ensure compliance with BCA/GM renewal policies, CaRT and other credit administration processes;
- Support Country CA Heads in ensuring zero BCA/credit review over dues and work to minimize extensions;
Key Stakeholders
Internal
- Credit Analysts in-country teams
- GAMs, RAMs, FAMs
- Global Banking
- PAM
- CSO, ESRM
- Risk
- Product partners
- Client Management
- Legal, Audit and Compliance
- CIB Coverage Cluster and Country Heads
- GBS and managed service providers
- External
- Clients
- Rating Agencies
- Market Data Services providers
- Regulators
Our Ideal Candidate
- 10+ years of strong Credit analysis experience with ESG domain expertise
- Management and Leadership is required for the role as the individual would be leading Global teams
- Strong ability to prioritise, delegate, develop and motivate people;
- Analytical strength – to spot emerging risks, in particular forward-looking industry trends;
- Gravitas and communication – to engage with Country Teams, Business Heads, RMs, Clients and Management alike and have the ability to challenge in a constructive manner;
- Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose and have experience in managing the Global markets
- Credit Analysis and Climate risk – direct experience in assessing the credit risk and climate risk of large Clients
Role Specific Technical Competencies
- Credit Analysis
- Climate Risk
- Credit Risk
- Management and Leadership
- Communication skills
- Analytical / program and Change
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
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 leave, parental/maternity (20 weeks), sabbatical (12 months 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
