Director, Retail Risk Analytics

Job Description

Job SummaryThis position is for a Senior Manager with an advanced degree in a quantitative discipline requires extensive experience in areas of statistics, applied mathematics, SAS programming language applied in the area of IRB, IFRS9 Model Development and Risk scorecards for retail banking / small business lending businesses.The individual will use these skills in the development of IRB / IFRS9 Models, Credit Risk Scorecard and other risk analytics in retail banking / small business lending portfolios with the support of a dedicated team of Team Leads and Analysts / Senior Analysts. Responsibilities include understanding Standard Chartered Group requirements and working with the individuals team in developing statistically derived predictive models, performing decision tree based customer segmentation & profiling analyses, assisting business implementation of sophisticated risk models and providing analytic support to Standard Chartered Businesses across the globe. The individual is expected to deliver as a team timely while ensuring compliance to prevailing / applicable standards / legislation / policies. The individual will also be expected to represent the team for review / approval committees.Qualifications:

• Bachelors / Advanced (Masters or higher) Degree in Statistics, Applied Mathematics, Operations Research, Economics, Engineering or other quantitative discipline
• Excellent understanding of retail banking / small business / consumer finance products and business lifecycles (e.g. sales, underwriting, portfolio management, marketing, collections...)
• Significant experience in a similar role at least 10 year of total experience in a retail banking / small business lending analytical function, of which 5-8 in-depth years experience in hands-on quantitative analysis & statistical modeling.
• 3+ years experience in managing a relevant team is good to have
• Very good statistical programming skills in SAS (preferred) or similar, analytical skills and understanding of quantitative and statistical analysis
• Hands-on experience in statistical modeling, mining data and understanding data patterns is an absolute necessary to support / mentor the individuals team
• Demonstrated proficiency in Retail Risk Model Development is a must
• Experience in directly interacting with Business and exposure to International markets will be a plus

People and Talent:

• Lead through example and build the team culture and values in line with the Bank. Set clear expectations from the teams and work in collaboration with all relevant partners.
• Employ, engage and retain high calibre professionals.
• Set and monitor job objectives for team members and provide feedback, develop and reward in line with their performance against those responsibilities and objectives.

Competencies:

• Should be open to getting involved in on-the-ground and data activities
• Analytical / Strategic / Conceptual thinking
• Attention to detail
• Problem solving
• Verbal/Written communication
• Presentation skills
• Highly motivated, organized and methodical

Regulatory & Business Conduct

• Display exemplary conduct and live by the .
• 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.
• Lead to achieve the outcomes set out in the Banks Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Role Specific Technical Competencies

• Credit Risk Modelling

About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve 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 youre 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 cant 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, youll 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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 youve 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.

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Keyskills :
SASdata miningDecision Treedata patternsStatistical AnalysisRetail Risk Model DevelopmentCredit Risk ModellingAnalytical SkillsCustomer Segmentationprofiling analysesStatistical ModelingQuantitative Analysis