Associate, Central Credit Unit

Job Summary We are seeking a highly motivated and detail-oriented Desk Analyst to join our team. The successful candidate will play a critical role in managing and optimizing the desk's financial performance and risk metrics. This role involves close collaboration with global account managers, credit analysts, finance, product control, and risk teams to ensure accurate reporting, effective limits management, and strategic decision-making support. Strategy CIB Markets Credit Trading is the focal point of all credit trading and investments in the Bank. The Central Credit Unit ("CCU") is a sub team investing as a buy‑side participant separate from the sell‑side activities in Credit Trading. The investments may form part of the Bank’s HQLA and Contingent Liquidity Reserve as well as solve for optimised RoTE and revenue opportunities. Business Work to support CCU in developing and executing a strategy for optimal management of the CCU portfolio on a global basis, maximising returns and capital efficiency. Show awareness and understanding of the wider business, economic and market environment in which the Group and CCU operates. Responsibilities include (i) limits management, (ii) RWA management, (iii) P&L and RWA forecasting, (iv) P&L and client income monitoring, (v) market risk monitoring, and (vi) strategic management information creation. Processes Responsible for limits management for the desk, maintaining records, liaising with Global Account Managers and Credit Analysts, and calibrating desk requests. Responsible for understanding the capital treatment of instruments used by the portfolio, including new positions, calculating RWA, and ensuring trades meet RoRWA hurdles. Responsible for P&L and RWA forecasting, working closely with Finance to keep calculations up to date with portfolio changes. Responsible for monitoring client income and other P&L related issues, working closely with Product Control for accurate reporting. Responsible for creating Strategic Management Information (MI) decks for strategic decision‑making support. Support the team in overseeing risk metrics, working closely with the Risk team. Develop, validate, and maintain predictive models and quantitative tools to support credit risk management. Conduct credit analysis and risk assessment of potential and existing names to determine their creditworthiness and financial stability. Ensure adherence to all internal and external regulations. Embed operational risk monitoring and ensure the business meets its obligations in the prevention of money‑laundering under the Group policy and local regulations. Help establish and maintain frameworks for efficient, compliant processes and controls. People & Talent Be part of a transparent and collaborative culture where incentives are based on support of client income with specific performance metrics on the Bank's values. Work in partnership with the CCU team to ensure the product meets clients’ and the bank’s objectives. Risk Management Identify, assess, monitor, control, and mitigate risks to the Group. Embed operational risk management and ensure adequate systems and controls are in place. Monitor all major risk issues and concentrations, directing remedial action and reporting to Risk Committees. Governance Understand the regulatory framework and requirements relevant to the role. Promote a culture where compliance with internal controls and external regulation is a central priority. Ensure business functions comply with internal policies, procedures, codes, and applicable laws. Implement CCU‑specific strategies and meet performance objectives, completing e‑learning on time. Regulatory & Business Conduct Display exemplary conduct and live by the Group’s values and code of conduct. Embed the highest standards of ethics, including regulatory and business conduct across the bank. Collaboratively identify, mitigate and resolve risk, conduct and compliance matters. Maintain standards of financial crime compliance. Skills and Experience Business‑market knowledge Products and processes knowledge Fixed income analysis Balance sheet management Data science and analysis skills Advanced Excel and PowerPoint proficiency Experience in coding languages (Python, etc.) Excellent interpersonal skills and multicultural awareness Ability to work with geographically dispersed stakeholders Our Ideal Candidate 1+ years of relevant experience in Credit, Trading or Capital functions. Demonstrated success in a similar role within the banking industry. Data analysis experience is an added advantage. Experience in coding languages is an added advantage. Proficiency in advanced Excel and PowerPoint is an advantage. Excellent interpersonal skills and multicultural sensitivity. Ability to work with geographically dispersed and highly varied stakeholders. Role Specific Technical Competencies Credit, Trading or Capital function Data analysis Python Advanced Excel PowerPoint 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. What We Offer 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. Annual leave, parental/maternity leave (20 weeks), sabbatical (12 months max) and volunteering leave (3 days), along with minimum global standards for annual and public holidays, combined to 30 days minimum. Flexible working options based around home and office locations. Proactive wellbeing support, including Unmind, digital wellbeing platform, resilience courses, global Employee Assistance Programme, mental health first‑aiders, and self‑help toolkits. A continuous learning culture to support your growth, with opportunities to reskill and upskill. Inclusive and value‑driven organisation that celebrates diversity across business functions and geographies. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role. If you are invited to take an assessment, this is a great sign that your application has progressed to an important stage of our recruitment process. Visit our careers website #J-18808-Ljbffr