Credit Manager, Wealth

Confidential


RBB|PBA|TA|Service
Confidential • Ahmedabad, Gujarat • via Post Job - CallCenterJob.co.in
6 hours ago
Full–time
No Degree Mentioned
Apply on Post Job - CallCenterJob.co.in
Job description
Job Description :

A. Supervisory Responsibility: 1. Supervise & monitor Personal Banker desks and contract sales staff2. Branch administration3. Lobby Management4. Ensure quality customer service is delivered5. Resolution of customer queries/complaints6. Customer service to ensure walk in customers issues7. Monitor Staff productivity and give guidance on improving the same in conjunction with the...
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myGwork


Credit Manager, Wealth
myGwork • Ahmedabad, Gujarat • via BeBee India Meet Opportunities
20 hours ago
Full–time
Apply on BeBee India Meet Opportunities
Job description
Job Summary:

Optimizing economic capital to create sustainable value in the Middle East (ME) business involves crafting and agreeing on risk appetite that helps achieve a desired risk profile, enabling relatively better returns than competitors over the long term.

Key Responsibilities include ensuring the quality of the Commercial Banking client portfolio is maintained within acceptable parameters as defined by ME credit policy and country underwriting standards (CUS), and that reporting of information relating to the portfolio is timely and accurate.

Proactive management of the portfolio credit risk profile within agreed risk appetite reduces P&L volatility by running a largely "surprise-free" and well-managed ME book.
Strategy
• Support the Senior Credit Officer/Senior Credit Officer in planning the development of risk parameters for India Medium Enterprise Business according to Risk Appetite and Policy Frameworks and documents in the relevant Portfolio Guidelines/Risk Appetite Mandates.
• Support the Senior Credit Officer in developing business plans with the provision of cost and impairment forecasts and a balanced judgment on the external environment.
Business
• Increasing working profits through effective management of the loan asset portfolio to help develop the franchise in a sustainable way and minimize 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 contributions to the Regional Credit Issues Forum.
Credit Processes
• Ensuring the quality of Limit Applications (BCAs) meets Group standards, particularly regarding completeness and depth of risk analysis.
• Approving BCAs falling within own discretion and supporting applications requiring approval outside delegated credit authority, where appropriate.
• Workshopping new business deals with Business and providing them with new business/product ideas.
• Highlighting/approving breaches of Credit Policy and Local Underwriting Standards.
• Undertaking regular customer visits to better understand the business environment.
• Maintaining Turn-around Time of BCA approvals.
Risk Management
• Ensuring compliance with the Operational Risk Management Architecture (ORMA) framework and reporting.
• Ensuring full awareness of all policies & procedures issued in relation to money laundering prevention, ensuring compliance with these policies & procedures on an ongoing basis and immediately reporting any deviations to the Supervisor.
Governance
• Ensuring compliance with all credit policy and CUS and highlighting/approving any divergence.
• Ensuring EAR process adherence and participating in monthly EAR & ASTAR discussions. Assisting relationship managers in identifying and managing accounts exhibiting signs of deterioration and assisting Group Special Assets Management, where appropriate, in managing stressed accounts to maximize recoveries and minimize losses.
• Supporting all portfolio-related analysis for various reviews initiated within/outside the country.
Key Stakeholders
• Internal: In-country ME/Business Banking Head, Relationship Management Teams, Senior Credit Officer/Chief Credit Officer.
• 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.
Regulatory & Business Conduct
• Displaying exemplary conduct and living by the Group's Values and Code of Conduct.
• Taking personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.
• Leading the team to achieve outcomes set out in the Bank's Conduct Principles (Fair Outcomes for Clients, Effective Financial Markets, Financial Crime Compliance, The Right Environment).
• Effectively and collaboratively identifying, escalating, mitigating, and resolving risk, conduct, and compliance matters.
• Serving as a Director of the Board.
• Exercising authorities delegated by the Board of Directors and acting in accordance with Articles of Association (or equivalent).
Other Responsibilities
• Embedding Here for Good and Group's brand and values in the team.
• Performing other responsibilities assigned under Group, Country, Business, or Functional policies and procedures.
• Multiple functions (double hats).

Skills and Experience
• Credit Risk Management.
• Qualifications: CA/MBA (Finance).
About Standard Chartered

We are 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 behaviors. 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.
What We Offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months 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 organization, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies – everyone feels respected and can realize their full potential.