Job Summary
• To grant a prudent credit decision by assessing and evaluating customer's creditworthiness (including existing customer and new applicant) for SME banking products.
• To manage credit applications seeking for exceptional approval / appeal, aiming at maximizing return against calculated risk taken, with full compliance to all regulatory requirements.
• Conduct credit assessment on consumer credit applications per credit policies and regulatory guidelines.
• Manage the operations of Credit Initiation to ensure services rendered meet the agreed service standards.
• Perform exceptional credit underwriting for all business banking products.
• Ensure consistency in underwriting standard.
• Comprehend the prevailing fraud type so as to deter and prevent from fraud attack.
• Manage to meet all KPI.
• Regularly review work steps to improve productivity on services provided and control measures.
• Facilitate and support launch of new products.
• Identify and train up successor to cope with the talent growth.

Key Responsibilities

Strategy
• Implement the operating model and strategic direction for Credit Initiation to best support process efficiencies and effectiveness

Business
• Actively participate in different projects in identifying improvement area so as to improve the turnaround time and accuracy.
• Support new business initiatives, marketing program launches and revenue initiatives.

Processes
• Grant a prudent credit decision by assessing and evaluating customer's creditworthiness (including existing customer and new application) for SME Banking products
• Manage the daily operations of the Credit Initiation units to ensure services rendered meet the agreed service standards
• Ensure consistency in underwriting standard.
• Facilitate and support launch of new products when necessary

People & Talent
• Manage, motivate, train and develop staff to ensure performance is optimized.

Risk Management
• Conduct credit assessment on consumer credit applications per credit policies and regulatory guidelines
• Comprehend the prevailing fraud type so as to deter and prevent from fraud attack
• Comply with all applicable money laundering prevention procedures and in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.

Skills and Experience
• Broad understanding of banking information management infrastructure and operational processes
• Ability to provide strategic direction to the function
• Strong leadership qualities, with the ability to motivate and lead teams in changing & challenging situations
• Strong analytical and dispute resolution skills, and the ability to command the respect of a cross functional set of professionals at a senior level
• Ability to make independent decisions with a strong sense of empowerment
• Skills in project management and process improvement

Qualifications
• Membership: HKIB core membership is preferrable
• Languages: Cantonese, Mandarin and English

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 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 all sorts of 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.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.