Head, ME Lending Solutions; Singapore, Hong Kong

JOB SUMMARY

This role could be based in Singapore and Hong Kong. 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.

• Responsible for designing and implementing seamless product frameworks to scale the solutions for Medium Enterprises globally
• Responsible for managing performance of credit analyst organization and streamlining structure, process, roles and capabilities to optimize on quality and efficiency of ME credit approvals.
• Collaborate with Tech delivery, Credit risk, Fraud risk and Operations team to enhance the capabilities for efficient Client Relationship Management (CRM), Portfolio Monitoring and Management.
• Collaborate closely with SME market heads, Product Heads, Credit Risk, Operations, Stressed asset team and Learning team to manage training needs of frontline staff.

• Ensure that ME lending solutions and relevant offering in each market is aligned to the Group SME strategy
• Benchmark our ME proposition against client needs and competition offerings, especially in key markets, to identify gaps and opportunities
• Provide data driven analytics & insights to drive strategic discussions at the SME Management Team

• Assess the effectiveness of product framework and ensure they are fit for growth
• Create product and policy mix driven by client needs to offer seamless and easy solutions
• Work closely with the country product and segment heads to deliver comprehensive solutions for trade, forex and Wealth needs

• Ensure that the approval, fulfillment and transaction processes are simple and streamlined and to client needs and calibrated to the risks involved.
• Develop a regular operating rhythm with stakeholders and appropriate governance framework to ensure that the portfolio shape and quality is in line with the strategy

• Participate actively in shaping the SME Learning agenda for SME frontline especially the ME RMs
• Develop strong credit analyst capabilities for effective 1st line of defense and business enablement
• Share best practices and lessons learnt to build institutional capabilities for scaling the business

• Ensure infrastructure, processes, policies and control framework for SME Banking business is designed to appropriately and adequately manage the inherent risks in the product, keeping in mind that risk has multiple facets and goes beyond credit risk (e.g. operational risk, fraud risk, counter party risk etc.)

• Ensure that the overall risk and control framework in SME for is fit-for-purpose and working well within the risk appetite
• Understand the regulatory and legal framework governing products in markets
• Engage and present to Product Governance Committee and other relevant forums such as Risk Committee and other forums/committees as and when required

• 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.
• Effectively and collaboratively identify, elevate, mitigate and resolve risk, conduct and compliance matters.

• Global Head of SME Risk
• Market Heads of SME Banking
• Product/segment Heads in markets
• Stressed Asset/ Collection teams
• Learning and Development teams
• Data, Digital and Analytics teams
• Legal, Audit and Compliance, where relevant

• Embed Here for Good and the Group’s brand and values in the business
• Perform other responsibilities assigned under Group, Region, Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviours to drive overall business growth

• 15+ years’ of lending experience in Commercial or SME banking
• Deep understanding of Trade and Working Capital products in a Product Management, Relationship management, Credit Risk or Stressed Asset Management role
• Str…