Manager Credit Risk Management

**JOB SUMMARY**
- Develop well documented credit policies that support customer relationship deepening and strengthening of portfolio loss coverage, scorecard usage and bureau cut off setting.
- Review group/regulatory policies/directions & do gap documents with targeted solutions or dispensation to comply with such policies.
- Continue periodic renewals of policies/processes and dispensations to avoid any monitoring gaps.
- Contribute to design of credit process around portfolio activation/ intervention and drive automation to improve the efficiency and effectiveness of portfolio management process.
- To contribute to manage the business risk at acceptable levels while maximizing the revenue.
- Be the back-up of Senior Manager, Credit Risk Management during vacations and when high business volumes are received.
- Active participation in policy development related activities.
- Evaluate credit proposals related to programme lending proposals and give recommendations to respective credit authority to approve such requests.
**RESPONSIBILITIES**
- Respond to credit related queries raised by business stakeholders, branch managers, frontline, with regard Central Bank regulations, Exchange Control regulations and internal bank credit direction.
- Familiarize with product programme guidelines relating to unsecured lending products in WRB business.
- Conduct portfolio reviews & take appropriate actions specified in group/county polies to maintain a healthy unsecured portfolio.
- Timely submit returns to Country Finance & external stakeholders including auditors and the regulator (Central Bank of Sri Lanka / Bank Supervision Department).
- Monitor temporally excesses (TOD), Past dues/overdue in Business Banking (BB) and Retail Banking in line with excess monitoring process.
- Handle BCP (Business Continuity Plan) related activities pertaining to the unit.
- Monitor & maintain smooth operation of information record management activities related to credit
- Act as the Secretary of Country Credit Issues Committee (CIC) forum and table the details of unsecured portfolio performances and adverse account information's under Retail segment.
- Conduct company visits & evaluate company performances, providing an independent recommendation, Set lending limits & monitor performances of loans given to onboarded companies under salaried to align/meet bank's credit appetite and expected credit appetite. Also design & review process notes related to unsecured lending in WRB in time to time to improve credit efficiency.
**Strategy**
- Ensure compliance to Group Policy, Underwriting Standards and unsecured business strategies to maintain aquality unsecured portfolio.
- Initiate or introduce new ways to improve efficency and productivity of the unit while minimizing operational cost of the unit.
**Business**
- Support WRB strategy to rech its optimum capacity while balancing business growth and high quality asset portfolio.
- Actively involved in cross
- product learning and share expertise on Unsecured/SME Lending trainings with underwriters/Bussnies.
**Processes**
**People & Talent**
- Sound knowledge in training methodologies and guide subordinates.
- Time management, ability to priorities tasks and adherence to deadlines
- Strong interpersonal skills and excellent communication skills.
**Risk Management**
- Thorough knowledge in areas related to unsecured Lending and SME banking products, procedures and credit policies.
- Ability to take timely/accurate decisions/actions for support quality portfolio growth while optimizing risk and return.
**Governance**
- Need to have pro-active engagement with business for strategy development and with CIU/Collections for strategy execution/ feedback.
- Ensure proper functioning of day-to-day controls, periodic monitoring activities and take timely resolution for identified risk issues.
**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**
- Internal Customers - Locally the internal customers would be other departments like Business, CIU, Security Services, IMO, Collections, Lending Operations, Compliance and L&C. Also, there will be regular interactions with Portfolio Management Group teams in BAU matters for joint initiatives and key business deliverables.
- External Customers - Liaise with regulators/ group office / auditors and customers for complaints/reporting/ discussions / feedback.
**Other Responsibilities**
- Ensure all AML/CDD policies and procedures as per group and the local re

---