Job ID: 36202
Location: Singapore, SG
Area of interest: Operations
Job type: Regular Employee
Work style: Office Working
Opening date: 18 Aug 2025
JOB SUMMARY
The role holder is accountable for end to end delivery of Credit and Lending Operations globally covering all the streams of products maintenance of various operational risk related controls. Monitor the performance of operations through key metrics such as – volumes, productivity, accuracy, service levels, losses/lapses, issues and Risk registers
The following teams will be part of Credit and Lending Operations
1. Global Lending Services
2. Credit Risk Operations
3. Loans and Agency
4. Transaction Monitoring Group
5. Lending Documentation Unit
6. Any credit and loan activity in teams across CIB Ops with slowly be transitioned into this unit
Identifying and creating areas of competitive advantage, highlighting and resolve trade-offs between competing priorities, as aligned with the Global Head of Operations, CIB, Global Head Global Banking, Global Heads of Coverage and FI, Global Head Syndicate & Financing Risk and COO Coverage and Banking. Collectively responsible and accountable for setting operations strategy, managing performance and allocating resources across Credit and Lending Operations.
Collectively responsible and accountable for the setting and governance of infrastructure processes and frameworks for robust compliance and controls, e.g. AML and sanctions checks, protection of Bank, client information and assets.
In partnership with COO Coverage and COO Banking articulate a forward-looking view of business growth, emerging industry trends and regulations to develop a platform consistent with the Bank’s and business’ strategic ambition.
Work with Country operations heads to agree local priorities, and resolve issues around the operating model, systems, and processes
Manage end to end operations of Credit and Lending across all locations that includes processing, tracking, controlling and reporting across the life cycle. Collaborate with leads on implementing the target organisation design and footprint strategy; drive and implement the target operating model by focusing on targeted Business Strategy, Processes, Risk and Governance and People Agenda.
PEOPLE & TALENT
- Lead through example and build the appropriate culture and values. Sets appropriate tone and expectations for their team and work in collaboration with control and conduct partners
- Employ, engage and retain high quality people such that Credit and Lending Operations is skilled and experienced to deliver its obligations
- Ensure the provision of ongoing training and development; ensure that direct reports are suitably skilled and qualified for their roles and that they have effective supervision in place to mitigate any risks
- Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives
RISK MANAGEMENT
- Proactive in seeking regular assurance that the Credit and Lending Operations Teams are performing to an acceptable risk and control standard including outsourced processes and activities within the GBS hubs
- With firm wide Governance members (NFRCs), business leaders and support functions, maintain a strong and appropriate control environment across the relevant business in line with the Risk Management Framework (RMF) and ORF requirements. Ensure the necessary Business Continuity Plans (BCPs) are in place across Credit and Lending and periodically tested in accordance with the Group’s Business Continuity framework
- Demonstrate an awareness and understanding of the main risks facing the Bank and the role the individual plays in managing them and ensure reasonable steps are taken in managing them.
- Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees in line with the banks policies. Top risks / metrics for escalation to the NFRC should include client complaints, material incidents, nostro / suspense breaks, unconfirmed trades, transaction volumes, volume cap breaches and regulatory compliance measures
- Attend relevant NFRC as the key committee to manage operational risks associated to the Credit and Lending business. Provide input and commentary on key control failures, elevated residual risks and control self-assessment failures. Ensure any remediation actions are agreed and assigned ownership within the function
- Include all necessary internal, legal and regulatory controls through the development of Product requirements
- Balance business performance delivery and cost management constraints with risk and control matters to ensure that they do not materially threaten the Bank’s ability to remain within risk appetite
- Participate and contribute to the effective operation of Country/Firm wide specific Business Operational Risk Forums (BORF’s) in managing Operational Risks
- Ensure operational incidents (losses or near misses) and client complaints are logged in accordance with relevant polices
- Ensure root causes reports relating to operational incidents are completed in line with the Banks policies including meeting of all reporting time lines. This includes the implementation of any appropriate process and control changes to minimise the probability of a re-occurrence
- Where client complaints occur the Credit and Lending Operations Head is responsible for the resolution of that complaint linked to Operations, performing appropriate root cause analysis and striving to ensure that the issue is resolved in a timely manner and to the client’s satisfaction, and reasonably cannot occur again
- Ensure Country/Group Residual Risk is completed to the appropriate scope, quality and timelines
- Ensure any material issues are escalated directly to the CIB Co Heads, Global Head CIB Operations in a timely manner when required i.e. Significant risks, regulatory breaches, significant conduct issues, capacity or capability issues, client complaints (top tier clients), material hubbing changes (inc org), transfers of activities and/or incremental costs to the business through outsourcing
GOVERNANCE
- Embed the Group’s values and code of conduct in the Credit and Lending Operations Team to ensure that adherence with the highest standards of ethics and compliance with relevant policies, processes and regulations among employees form part of the culture
- Ensure compliance with all salient SCB governance frameworks where there are direct touch points with them or any subsequent downstream influence from the Credit and Lending Operations Team
- Ensure compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws and anti-money laundering regulations and guidelines.
- Ensure compliance with internal Outsourcing Policy and Procedures whilst also adhering to local regulatory rules across Credit and Lending jurisdictions
- Manage the Credit and Lending Operations team to budgetary constraints, seeking operational efficiencies to drive the JAWS ratio as directed by Group Finance
- Ensure the appropriate Service Level Agreements (SLAs) and Service Review Meetings (SRMs) are in place between GBS and Ops for any outsourced processes and activities
- Represent Credit and Lending Operations at any relevant Group Committees including but not limited to the business MT, NFRC or assign an authorised delegate
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
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