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Business Finance Manager – (2100032167)

Unposting Date

: 17/Dec/2021, 2:59:00 AM About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.   To us, good performance is about much more than turning a profit.  It’s about showing how you embody our valued behaviours – do the right thing, better together and never settle – as well as our brand promise, Here for good.  We’re committed to promoting equality in the workplace and creating an inclusive and flexible culture – one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities

Strategy

  • Provide strategic support to Commercial, Corporate and Institutional Banking (CCIB) Business head and the CCIB top team in developing strategy, formulating business plans and budgets, and providing robust forecasts.

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Business

  • Provide relevant and analytical financial insight to help in the formulation of the strategy of the CCIB Business.
  • Partner with the business in driving effective cost and investment management.
  • Provide financial input and co-ordinate the formulation of the Business operating plans/budget and monitor progress towards their achievement, drawing attention to important trends opportunities to maximise earning and minimise risk.
  • Undertake the financial analysis of the Business’ monthly performance. Update Business Heads regularly on performance highlighting opportunities and potential risks.
  • Assist business in analysing variance reports and variations from stated strategies at business and segment level.
  • Review and monitor the business performance against Group policies for Market Risk, Liquidity Management and Local Regulatory and Statutory requirements
  • Undertake regular financial analysis of new and existing products within each of the Business Divisions, highlighting the impact on business performance and the risks of such products
  • Assist in the evaluation of projects which are specific to the various Business Divisions in accordance with Group and local guidelines and actively participate in their implementation
  • Assist business in preparation of Project Approval requests and ensure proper follow through, tracking expenses and benefits.
  • Enhance financial controls environment through improvement of existing infrastructure and capabilities.
  • Ensure adherence and support compliance to International Accounting Standards (IAS), International Financial Reporting Standards (IFRS), Group Accounting Policies and Financial Control Policy to ensure strong corporate governance.
  • Undertake ad hoc projects as may be required from time to time

Processes

  • Maintain control over the finance standard systems and assist in the development of local management information systems to ensure that they are fully operational and provide accurate, adequate & relevant information to the users in a timely manner.

People and Talent

  • Continues learning and self-improvement to be future ready

Risk Management

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Assist in managing operational risk through:-

  • Controls: implementing appropriate controls within the unit such that both internal policy and regulatory requirements are adequately followed.
  • Risk identification and assessment: identifying risk from Key Controls Self-Assessment exceptions, Key Risk Indicators, audit points, operational losses, and near-misses, then assessing the risk and ensuring appropriate mitigating action is implemented and monitoring progress.
  • Effective management of operational risk within the business Finance unit including ensuring the proper functioning of the embedded and periodic controls.
  • Timely identification and escalation of risk issues within business Finance.

Governance

  • Be an active participant on the Country Assets and Liabilities Committee providing relevant Business insights to help in effective Balance sheet management

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.

Key Stakeholders

  • Chief Financial Officer
  • Head of Commercial, Corporate and Institutional Banking (CCIB)
  • Head, CCIB Business Finance, Kenya & East Africa
  • CCIB Segment Heads & Relationship Managers
  • Assets & Liabilities Committee

Other Responsibilities

Contributes to;

  • The business strategy of the bank
  • The understanding of the financial dynamics and dimensions of the Commercial, Corporate and Institutional Banking business
  • The building of strategy, marketing plans, budgets and forecast for the business
  • The determination of the financial and management information needs and the development of management information systems within the Bank to facilitate efficient superior support to the Business.
  • Interpretation of the financial performance of the business segments and ensuring that underlying factors affecting these are highlighted
  • Proactive Cost and Investment management
  • Ensuring compliance to Group standards
  • Market Risk analysis and monitoring of exposure as per agreed Guidelines
  • Staff development within Finance Division through involvement in planning/training programmes

Our Ideal Candidate

  • Competency in business intelligence capabilities like Power BI, Tableau, MicroStrategy, Dataiku, SSRS etc.
  • Professional qualification in Accounting & Finance like ACCA/CPA. An MBA would be an added advantage
  • Over five years of working experience in a Finance department in a busy commercial environment.
  • An in-depth understanding of Banking systems
  • An in-depth understanding of local and Group reporting requirements.
  • Ability to interact with Top Management
  • Proficiency in MS Office and other Database Applications (Excel, PowerPoint, Word, Access/Database)
  • Good writing and presentation skills, self-motivated, innovative, confident, analytical, and personable.
  • Team Player

 Apply now to join the Bank for those with big career ambitions.  To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working. 

Senior Manager Credit Risk Review CPBB – (2100033154)

Unposting Date

: 30/Dec/2021, 9:29:00 PM About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.   To us, good performance is about much more than turning a profit.  It’s about showing how you embody our valued behaviours – do the right thing, better together and never settle – as well as our brand promise, Here for good.  We’re committed to promoting equality in the workplace and creating an inclusive and flexible culture – one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities

Strategy

This is a role for an experienced professional providing technical expert-based assessments and support to the risk review team on a global group-wide basis. The candidate will assist CRR CPBB (Consumer, Private and Business Banking Review) team in providing management with an independent assessment of the quality of specified portfolios, their risk governance and the degree of alignment between strategy and delivery. SCB has been building new partnerships and optimizing existing ones by leveraging the power of data for acquisition, underwriting, collections, fraud detection, pricing, etc. The role will specifically cover emerging risk themes across Digital lending, Crypto and partnership lending models.

This will be achieved by evaluating a business’s effective risk management control on elements of the Enterprise Risk Management Framework (ERMF), with a principle focus on Credit Risk. The core requirements include:

  • Experience in managing Digital partnerships, unique value propositions and alternate lending platforms
  • Be part of the review team and identify inherent risks across digital lending platforms, alternate data underwriting, strategic partnerships and unique value propositions

Business

  • Awareness and understanding of the Group’s business strategy and model appropriate to the role and the ability to assess in the reviews undertaken whether misalignments between strategy and stated risk appetite are occurring or are likely to occur.
  • Understand and implement the strategic intent and collective agenda in CPBB Banking Clients globally.
  • Good knowledge, awareness and understanding of the wider business, economic and market environment in which the Group operates in respect of the countries reviewed.

Processes

  • Contribute to the continuous improvement of the operational efficiency and effectiveness of the Credit Risk review’s risk management processes.
  • Ensure that all work undertaken as a member of the Credit Risk Review function is delivered to the highest standards and within agreed budgets each year.
  • Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
  • As directed to perform, support and lead the planning, fieldwork and reporting of Credit Risk Reviews engagements to deliver agreed objectives.
  • To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
  • Execute the Credit Risk Review function for CPBB and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
  • Identify the positive aspects and areas for improvements in businesses, geographies and thematic risk reviews. Provide constructive and independent feedback on risk issues identified and wherever appropriate, recommend the actions that may be taken to mitigate the issue identified;
  • Ensure that the reports of the reviews are written on a timely manner and is succinct without missing the key details required to understand the context of the issues identified

Risk Management

  • Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
  • Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
  • Work with CPBB risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values.

Governance

  • Responsible for assessing the effectiveness of the business unit’s arrangements to deliver effective country level governance, oversight and controls in the business and if necessary to recommend changes in these areas. Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
  • Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

Regulatory & Business conduct

  • Display exemplary conduct and live by the Group’s Valued Behaviours 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.
  • Work with wider team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients. Effective Operation of Financial Markets; Financial Crime Prevention; and The Right Environment.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Embed Here for good and Group’s brand and Valued Behaviours in the team and the team’s output.

Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Key stakeholders are as follows:

  • Enterprise Risk Management team members
  • Group and Regional Heads of functions in Consumer, Private and Business Banking
  • Senior Risk Leadership within the Retail Banking Risk Function (including Collection, Recovery)
  • Country CCH / CRO
  • Country Head CPBB
  • Business Operational Risk Managers
  • Country Head Financial Crime and Compliance

Our Ideal Candidate

  • 8 plus years of relevant experience in product/risk management, consulting or analytics
  • Experience in digital lending, cards, payments preferred
  • Experience in launching and/or managing Digital lending propositions (e.g. Buy Now Pay Later, Small Ticket Short Tenor) using alternate data for credit decisioning and risk management
  • Strategic thinker, analytical, innovative; likes to keep up with industry trends and new technology
  • Self-motivated, accountable, resilient; not afraid to take initiative and challenge the status quo
  • Strong communication and interpersonal skills; should be able to work with regional partners
  • Proven track record of strong relationship management skills in a geographically diverse environment, and with key external stakeholders
  • Demonstrated understanding of and commitment to the Group’s core values, excellent communication skills, ability to drive a change agenda.
  • Experienced credit officer, reviewer/auditor or business person who is a deep SME (subject matter expert) in Retail banking, including credit and operational risk
  • Education: Degree (Bachelor level) or equivalent professional qualification and experience at a senior level in 2 or more roles.

Apply now to join the Bank for those with big career ambitions.  To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.

Apply now

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