Analyst, Credit Risk Management, Secured Lending WRB; UAE National

Job Summary

The Analyst, Credit Risk Management for Secured Lending within Wealth and Retail Banking at Standard Chartered is a pivotal role focused on supporting the Credit Risk Management (CRM) Head in managing the credit risk associated with the bank's Mortgage and Wealth Management portfolios. This role is integral to maintaining the financial health and sustainable growth of these portfolios by developing robust risk mitigation strategies, ensuring compliance with regulatory standards, and monitoring portfolio performance metrics critically.

The successful candidate will collaborate extensively with Business teams, Credit Underwriters, and relevant stakeholders, facilitating informed decision‑making that balances risk with business objectives. This position offers a unique opportunity to contribute to the bank’s strategic objectives while enhancing personal technical and analytical expertise in a dynamic banking environment.

The role demands a comprehensive understanding of credit risk frameworks, regulatory guidelines, and the ability to apply analytical techniques to identify, assess, and address potential credit risks. The Analyst will be instrumental in driving portfolio quality through proactive controls and stress‑testing exercises, supporting the bank's mission of delivering sustainable, responsible financial services.

• Develop and oversee the execution of risk management strategies aligned with the Retail banking and Wealth Management vision, ensuring the secured lending portfolio aligns with the broader organizational goals.
• Provide strategic insights and analytics to stakeholders at country, regional, and group levels to support robust risk governance and portfolio planning.
• Conduct comprehensive credit risk assessments of mortgage and wealth management products, incorporating macroeconomic and market trends.
• Monitor portfolio health through systematic analysis of key risk indicators (KRIs), including delinquencies, concentration risks, and emerging risk trends across customer segments.
• Identify early warning signals and emerging risks; recommend and implement pre‑emptive interventions to mitigate potential credit deterioration.
• Design and implement stress‑testing methodologies to simulate portfolio performance under various economic scenarios and support regulatory stress‑testing requirements.
• Collaborate closely with collections and recovery teams to optimize management and resolution of non‑performing loans (NPLs), improving portfolio quality and recovery rates.
• Ensure credit risk policies are crafted and enforced in alignment with risk appetite frameworks, balancing business growth ambitions with prudent risk management.
• Partner with Business teams and Credit Underwriters to integrate risk considerations seamlessly into lending practices, promoting ethical and sustainable portfolio development.
• Maintain up‑to‑date knowledge of local and international banking regulations affecting secured lending and wealth management products, ensuring full compliance.
• Translate regulatory and policy requirements into comprehensive underwriting guidelines and portfolio management standards that govern the full customer lifecycle from origination to recovery.
• Implement continuous improvement initiatives that refine risk models, credit scoring systems, and risk measurement tools in line with industry best practices.
• Conduct regular portfolio reviews and audits to identify deviations and drive corrective actions, ensuring risk controls are effective and aligned with expected performance.

The Analyst will operate within a fast‑paced, regulated banking environment requiring strong analytical capabilities and sound judgment. This role contributes directly to safeguarding the bank’s asset quality and supporting profitable growth in the secured lending space. Interaction with multidisciplinary teams including credit committees, business units, compliance, and external regulatory bodies is expected. The analyst will be tasked with synthesizing complex data to inform risk mitigation strategies and support policy development.

Effective communication skills are vital to influence…