Associate Manager, GBS CPM

Job Summary

CIB

Credit & Portfolio Management (CPM) is part of the Group Corporate & Institution Banking Function. Credit & Portfolio Management is responsible for:

a) Actively managing the Bank’s credit portfolio to maximize risk-adjusted returns for sustainable Group ROTE outcomes through better origination discipline, portfolio optimization, modelling, early identification and action of stressed assets and distribution.

b) Driving balance sheet optimization and resilience through improving the inter-operability of key subsidiaries, reducing Cost of Funds (CoF) and improving quality and resilience of liabilities by monetizing illiquid CIB loans to create medium term secured and contingent funding options that could even be used to raise funds in stress.

Various sub-units underneath CPM are listed below:

Distribution:

CPM Distribution is part of Credit & Portfolio Management. CPM Distribution co-ordinates loan sales in the secondary market to generate liquidity, obtain RWA relief, and offload risk at minimum cost under the guidance of the Origination and Distribution Policy. To facilitate loan sales and other CPM Distribution initiatives, GBS CPM Team extracts the data on all transferable loans from multiple sources and compiles them in the Loan Database.

Distribution also runs various programs that help in the bank offloading RWA. The team functionally supports these various programs.

Analytics and liquidity

In addition, we do CPM Analytics activities which involve RWA Variance analysis, Account Plan Tracking, CPM MI packs and OBL MI packs. The activities include the production and distribution of RWA Variance reports for CB and CIB, analyzing RWA movements and engaging with GAM’s directly on the reason for the Variance.

SAG Reporting

Monthly, Quarterly, Semi-Annual, and Annual performance of Regulatory and non-Regulatory reports.

Reaching out to in country RM to get clarity / Status of their clients.

Reaching out the Account manager and Account owners for Clarity on SAG accounts.

Helping the in-country team to keep track of various access and Client related information for SAG clients in System such as RV2.

Financial Resources Management:

To manage and execute Standard Chartered Bank’s (“SCB”) strategy for Financial Resource Management (“FRM”) in the business, across Corporate and Institutional Banking (“CIB”) and Wealth and Retail Banking (WRB). The role envisages driving financial resource optimisation for capital and liquidity for the designated balance sheet across CIB and WRB as well as the Group, with a view to achieve increased return on tangible equity (“RoTE”) and Economic Value Added (EVA) for the Bank.

International Balance Sheet Management (IBSM) function helps cross border deal booking to ensure Balance sheet optimization.

High-Priced Liabilities (HPL) and OPAC review for Liability optimization.

Transaction Banking:

CPM function to work on Trade optimization activities that largely include: RWA/Return Management, Trade Portfolio Management, Suboptimal Management

Key Responsibilities

Strategy

• Support the delivery of strategic CPM reporting and analytics through accurate and timely management of OPAC and FTP reporting processes.
• Contribute to continuous process improvement by identifying opportunities for automation, data optimization, and reporting enhancements across CPM reporting activities.
• Support implementation and assessment of Model X enhancements by evaluating business impacts and providing analytical insights to stakeholders.

Business

• Help the team to pursue the strategic intent and agenda for CPM
• Enhance stakeholder experience by ensuring timely, accurate, and reliable delivery of management information, trackers, dashboards, and analytical reports.

Processes

CEO CIB Office

Credit & Portfolio Management (CPM)

• Role requires to provide daily, real-time monitoring and governance of the end-to-end data process flow across interconnected system chain and perform ongoing validation checks, identifying anomalies at an early stage, coordinating investigations with relevant stakeholders, and ensuring timely resolution of data quality issues before they impact critical business processes.
• In addition, the resource would establish robust controls, monitoring routines, and escalation protocols to reduce the risk of future operational incidents report for both CIB and CB and analysing the reason for the RWA, FTP, OPAC and any other balance sheet related risk metric movement
• The role would provide a single point of accountability for cross-functional coordination, helping to bridge existing gaps between data producers and data consumers while improving transparency across the operating model. Development and maintenance of various CPM MI Dashboard like CPM MI, CG Simulation etc.

Candidate-in-role is expected to strengthen governance, accelerate issue resolution, review modelling and reporting outputs, and support the scalability of future business and regulatory initiatives.

• The role requires to design, establish, and maintain the end-to-end data linkage between the Bank’s Trade processing systems and Model X (SCB’s internal model to track Operational liabilities), ensuring that Small & Medium Enterprise activity is correctly identified, mapped, and incorporated into the modelling process.
• Beyond the initial implementation, this resource would be responsible for governing and monitoring the integrity of the data flows across all relevant downstream systems, ensuring consistency of data consumption and calculation outputs
• The role would serve as the key point of coordination between business, modelling, treasury, and technology teams to resolve data quality issues, implement enhancements, and support future modelling requirements.
• The role requires the candidate to lead and maintain a comprehensive business Cost of Funds (COF) deep-dive management information framework.
• The resource would be responsible for identifying, quantifying, and tracking potential COF optimization opportunities, with a particular focus on key client relationships and balance sheet structures

People & Talent

• Click here to enter text.Compliance with all relevant process procedure, guidelines, rules & regulations
• To work and solve problems independently and be able to work in a deadline-oriented environment
• Foster effective collaboration with regional stakeholders, business teams, and cross-functional partners to support reporting and analytical requirements.

Risk Management

• Embed new Operational Risk framework into monitoring processes and report any escalations to Management.
• Monthly monitoring of CST and performance measurement of KCIs

Governance

• Ensure compliance with data governance frameworks, reporting standards, and operational control requirements.
• Adhere to all mandatory training, certifications, and governance requirements while supporting CPM reporting.

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

• CIB office
• Finance teams
• Transaction Services Sales & Product partners
• Associated Technology partners
• Syndications
• Business desks
• GBS Management team

Other Responsibilities

• Participate in at least 2 days of volunteering per year
• Participate in engagement activities
• Be motivated and actively engage in activities like innovation and automation initiatives
• To hold assigned roles of First Aider / Fire Warden / ADCC as appropriate and discharge the expected responsibilities.

Skills and Experience

• Strong knowledge in banking products across asset classes (Lending/FX/Rates/ Equity/ Credit and Commodities)
• Technical skills: Hands-on experience in SQL, SAS, Python, Excel & Tableau.
• Data skills: ETL basics, Data Wrangling
• Excellent communication skills - verbal and written
• Ability to work under pressure
• Have excellent attention to detail
• Be able to work in a global team
• Working knowledge in AI/ML concepts is an advantage. Theoretical knowledge is expected.
• Working knowledge in MS Excel, Access
• Working knowledge of the Group’s businesses, governance structure and approach to risk management.
• Experience in major regulatory programs in the Risk/Finance, Banking industry - BCBS,IMM,CVA etc is preferred.

Qualifications

• Post-Graduation in Finance with relevant 0 - 3 yrs experience
• Any technical Certification in MS Office Advanced tools / SQL / Tableau / SAS/ will be preferred

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.