Wealth Retail Banking Unsecured Credit Risk Management Apprentice Singapore 2025

Job ID: 13134

Location: Singapore, SG

Area of interest: Business Support, Management & Efficiency

Job type: Apprentice

Work style: Hybrid Working

Opening date: 3 Jan 2025

**Wealth Retail Banking Unsecured Credit Risk Management Apprentice 2025**
- Recent Polytechnic Graduates who join the Wealth Retail Banking (WRB) Unsecured Credit Risk Management Apprenticeship Programme will go through a 12-month learning and development journey.
- You will have the opportunity to work with various parties of the bank including both Standard Chartered country and group products, sales, operation, collection, modelling and governance to support business growth opportunities in Singapore.
- You will have the opportunity to work on bank’s new product/ service projects through partnership such as Buy Now, Pay Later (“BNPL”). This will cover end-to-end credit cycle review including underwriting, portfolio monitoring and collection management for newly designed financial product.
- You will have the opportunity to work together with bank’s credit policy manager and analyst for the review of in-production credit policies and its revision.
- You will be able to learn how a Credit Risk Decision Framework is developed, monitored and managed.
- You will be supporting the credit bureau data management operations activities and learn the working mechanism between each financial institution and credit bureau.

**Key Responsibilities**
- Support the portfolio management activities such as tracking, monitoring, and analysing the full credit cycle performance and risk tolerance metrics of the Unsecured portfolios.
- Support bank’s credit testing programs launches through effective management of program risks and profitability.
- Participate in credit decision engine testing and implementations as part of bank initiatives or system enhancements
- Support credit bureau data management activities related to timely submission to Credit Bureau Singapore (CBS), data quality standards and process controls.
- With the use of credit bureau data, support the establishment of a robust credit analytic framework to identify early warning signals, credit risk process inputs and customer segment risk factor(s).

**About the Apprenticeship Programme**
- During this learning journey, you will embark on two 6 months rotations. You will be exposed to different projects and tasks, alongside structured trainings, mentorship and on-the-job learning. Through the programme, you’ll experience an incredible and varied global learning experience, which include:

- Talent assignments
- Technical and professional skills training
- Future Skills and development workshops
- Targeted online learning
- Inspiring thought leadership speaker events
- Real-life business problem solving and more

**Eligibility**
- We welcome graduates from all Polytechnic Diploma disciplines with less than 2 years of working experience.
- Have the permanent legal right to work in Singapore
- Keen interest in Banking and Finance industry
- Proficient in English both verbal and writing
- Good communication skills both written and oral
- Self-starter, passionate, optimistic, innovative, goal-oriented, and team player.

**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.

**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 m