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Candidates recruiting for Manager, Risk Approver

3.00 to 6.00 Years   Mumbai City   02 Dec, 2022
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking / Financial Services
Functional AreaRisk / Underwriting
EmploymentTypeFull-time

Job Description

    Role Responsibilities Credit Process
    • Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
    • Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.
    • Work shopping of new business deals with Business and providing them with new business/product ideas.
    • Highlighting/Approving breaches of Credit Policy and Local Underwriting Standards.
    • Undertake regular customer visits to better understand the business environment.
    • Maintain Turn-around Time of BCA approvals.
    Portfolio Management
    • Ensuring compliance with all credit policy and CUS and any divergence to be appropriately highlighted/approved.
    • Ensure EAR process is adhered to and participate in the monthly EAR & ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.
    • Support all portfolio related analysis for various reviews initiated within/outside the country.
    Business Contribution
    • Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.
    • Maximizing Economic Revenue through effective management of the risk/reward relationships.
    • Maintaining credit quality and standards of professionalism for the risk function.
    • Ensure effective implementation of Group Policies / Circulars / Procedures.
    • Participate actively in any group initiative to improve systems and processes.
    • Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.
    Stakeholder Management
    • Actively engage all stakeholders (eg. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.
    • Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner, especially when turning down proposals.
    Operational Risk Management Assurance (ORMA)
    • Ensure compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting.
    • Ensure full awareness of all the policies & procedures issued in relation to money laundering prevention. Ensure compliance with these policies & procedures on an ongoing basis and immediately report any deviations to the Supervisor
    Others Live by values and brand promise Here for Good.Regulatory & Business Conduct
    • 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.
    • Lead to achieve the outcomes set out in the Bank s Conduct Principles
    • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
    • Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association
    Key Stakeholders Internal
    • In country CB Head, Country Segment Heads, Senior Bankers, credit/marketing groups.
    • Senior Credit Officer /Chief Credit Officer (in-country).
    External
    • Executives (including equivalent CRM Units) of other banks.
    • Key Corporate and Institutional relationships in country.
    • Directors/Key contacts in the business community.
    • Auditors / Government regulators
    Our Ideal Candidate
    • CA/MBA (Finance)CCC/CSA

Keyskills :
human skillsrisk managementcredit riskkeeping things simplecredit policyboard of directorsnew business

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