Senior Credit Manager, Funds Risk Asia

**Job Summary**

**Risk Management**
- responsible for identifying, assessing, monitoring, controlling and mitigating risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them
- the ability to interpret the Group's financial information, identify key issues based on this information and put in place appropriate controls and measures
- Manage risk exposures of RMF & HF portfolio. Provide early warning and identify deteriorating credits. Manage exposure down as required.
- Ensure risk identification, measurement, reporting, and modelling capabilities are objective, consistent, and compliant with applicable regulations
- Ensure that material risk exposures and related issues are reported to the SCO RMF&HF Risk
- Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
- Approving breaches of Portfolio Guidelines / Underwriting Guidelines, to the extent permitted under Credit Policy / Portfolio Guidelines.
- Ensuring timely submission and accuracy of credit portfolio data to the relevant stakeholder
- Monitoring compliance with Credit Policy and Portfolio Guidelines / Underwriting Guidelines periodically and reviewing any divergence thereof with the SCO RMF&HF Risk
- Ensure EAR process is adhered to. Assist relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist Special Assets Group, where appropriate, in managing accounts to maximise recoveries and minimise losses.
- Initiate stress tests as required by internal and external factors and review results and assess their implications
- Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy
- Continuously improve the operational efficiency and effectiveness of Credit Control and Reporting with regards to RMF & HF.
- Ensure effective management of operational risks with respect to RMF&HF Risk management functions and compliance with applicable internal policies, and external laws and regulations
- Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the jobholder
- Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures
- Participate in key committees in the absence of the Global Head of RMF&HF Risk in SCO RMF&HF Risk Asia capacity.
- Ensure first line process owners understand and accept their risk management responsibilities
- Maintain an open and cooperative relationship in dealings with regulators in the absence of the SCO RMF&HF Risk Asia.

**Key Responsibilities**

**Governance**
- In the absence of the SCO RMF&HF Risk ASIA, attend the Risk Committee, Credit Issues Forum, and Underwriting Committee to provide input to the committees on arising risk issues and new policies and processes as required.
- Maintain an open and cooperative relationship in dealings with regulators and auditors.
- In the SCO RMF&HF Risk ASIA, absence, attend all risk management and controls committees, as applicable.

**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.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Maintain an open and cooperative relationship in dealings with Local Regulators.

**Key stakeholders**

**Internal**
- Head(s) of CCR, Global and regional
- Head Credit Control and Reporting
- In Country FI CIB Heads
- FM Sales and Trading
- Legal and Compliance
- Market Risk & Credit Exposure Management
- In Country SCO's / CCO
- Chief Credit Officer, Financial Institutions
- Regional Chief Credit Officer
- Regional Chief Risk Officer

**External**:

- Executives (including equivalent CRM Units) of clients
- Key Corporate and Institutional relationships in country
- Members of the legal professions
- Directors/key contacts in the business community
- Accountants/Consultants
- Local governance bodies
- 8+ Years of experience in Hedge funds and Real money finds, Credit Risk.
- Bachelor's or Master's university degree
- Knowledge of various financial products(e.g Interest rate derivative, Commodities, FX, Credit, Repo )
- Experience with Legal Documentations(ISDA/CSA/GMRA) negotiations
- Experience with client due diligence
- Familiar with initial margin setup

**Role Specific Technical Competencies*