Portfolio Manager, Unsecured Lending

Job ID: 40667

Location: Singapore, SG

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 25 Sept 2025

**Job Summary**
- Achievement of economic profit, goals, business financial performance, monitoring and control for the credit card business in Singapore. Responsible for managing client lifecycle by developing and implementing activation, client engagement, card usage and retention strategies.
- Analyse personal loan/ lending portfolio performance for insights for business opportunities to maximize growth and profitability
- Track and analyse campaigns to ensure results are on track and identify areas of improvements
- Manage client lifecycle by driving card activation and continuous client engagement from planning, execution to impact assessment
- Develop and implement marketing plans to drive business growth and meet business targets
- Initiate ideas and ongoing features/benefits for target segments
- Formulate retention strategies to manage attrition rates with proactive actions to ring-fence clients
- Collaborate with stakeholders to enable engagement platforms, implement process efficiencies and system enhancements to maximize profitability and improve client experience
- Work effectively with internal units - Group, Brand & Marketing, Retail Analytics, Process, Client Experience, Digital, Risk, Operations, Legal & Compliance, Technology, Audit
- Ensure adherence to regulatory and compliance requirements
- Responsible for any ad-hoc tasks assigned from time to time

**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: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Serve as a Director of the Board
- Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

**Key stakeholders**
- Retail analytics, finance, operations, contact centre, branches, technology team, digital team, brand & marketing, business risk, client experience, legal & compliance.

**Other Responsibilities**
- Embed Here for good and Group’s brand and values in ; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats).

**Skills and Experience**
- Project planning and management
- Time management
- Analytical skills
- Bachelor Degree with minimum experience of 1 years in Credit Cards / Banking industry is preferred
- Knowledge of industry and competitor products/services
- Strong analytical skill
- Independent, self-motivated and results-driven
- Strong communication and interpersonal skills
- Demonstrated project management skills

**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