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Requisition Number: 57625
Job Location: Gurgaon, IND
Global Grade: Band 5
Work Type: Office Working
Employment Type: Permanent
Posting Start Date: 08/07/2026
Posting End Date: 22/07/2026
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Key Responsibilities
Strategy
- Aligning with Group’s Business Strategy with the provision of cost and impairment forecasts and a balanced judgement on the external environment.
- Provide proactive and holistic risk management through identification of emerging risks in the CIB [LC/MM/GS] North portfolio and assist the SCO/CCO to keep the portfolio in good shape and ensure appropriate risk culture and discipline.
Business
- Communicate the strategic intent and collective agenda for the Risk Function.
- Maintain and develop the Function’s risk capabilities, and skills to meet ongoing business needs and plans.
- Identify measure and monitor material risk affecting relevant CIB [LC/MM/GS] North portfolio in the context of the external market environment.
- Assist SCO/CCO in the CF Risk Transformation process.
Processes
- Responsible for assisting SCO and along with business units, delivering targeted revenue.
- Supervise all the relevant credit and monitoring processes for the portfolio handled.
- Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
- Continuously improve the operational efficiency and effectiveness of the Function’s risk management processes.
People & Talent
- Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits.
- Ensure the provision of ongoing training and development of the Function’s people Lead through example and build the appropriate culture and values within the business and across the wider organisation.
- Effective team-work and shared goals between the various units in Client Relationship and the rest the Bank.
- Help coaching the junior credit managers, with an aim to nurture the next generation of senior credit managers (if applicable).
Risk Management
- Ensuring that the quality of Group Mandates, Business Credit Applications (BCAs) and other credit submissions meet Group standards, particularly with regards to the completeness and depth of risk analysis.
- Formulating and obtaining approval of Portfolio Standards which is supportive (from credit risk perspective) of the business strategy of various segments.
- Ensuring that Credit Policy breaches are identified, recorded and approved as per approval authority matrix.
- Ensuring credit related issues are timely raised to Senior Credit Officer with all necessary suggestions for rectifications.
- Assisting Senior Credit Officer on timely submission of portfolio reviews and ensure accuracy of CIB [LC/MM/GS] North Credit Portfolio data as and when required. Ensure EAR process is adhered to and take an active part in the monthly EAR discussions. Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing accounts to maximise recoveries and minimise losses.
- Ensure compliance to the Operational Risk framework including the effective application of risk toolkit (self-assessments, KRIs, KCSs, etc) and reporting.
- Initiate or assist stress tests as required by internal and external factors and review results and assess their implications.
- Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy.
- Direct appropriate response to material events or other risk issues that come to the SCO's attention.
- Exercise risk control responsibility for CIB [LC/MM/GS] North portfolio.
- Ensure that material risk exposures and related issues are reported to Senior Credit Officer and/or Function as appropriate.
- Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally.
- Actively participate in key committees or forums (if invited).
- Ensure first line process owners understand and accept their risk management responsibilities.
- Maintain an open and cooperative relationship in dealings with regulators (if applicable).
- Provide a reference point on credit systems for collating and passing on to Group Technology and Operations problems and proposed enhancements.
- Increasing working profits through effective management of the loan asset portfolio to help develop the franchise in a sustainable way and minimise provisions.
- Maximizing Economic Revenue through effective management of the risk/reward relationships.
- Maintaining credit quality and standards of professionalism for the risk function.
- Ensure effective implementation of Group Policies / Circulars / Procedures.
- Undertake regular customer visits to better understand the business environment.
Governance
- Assisting Senior Credit Officer/ Chief Credit Officer to deliver effective governance, oversight and controls in the business.
- Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
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.
- Lead the India, CIB [LC/MM/GS] North teams to achieve the outcomes set out in the Bank’s Conduct Principles [i.e., Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Ensuring that RBI prescribed responsibilities and Rationale for allocation
Key stakeholders
Internal
- Head of Business Units, Relationship Managers, Credit Analysts and Client Coverage Managers
- Legal and Compliance
- Product Sales and Development
- Group Special Assets Management and
- Group Audit
Skills and Experience
- Credit Risk Assessment
- Industry knowledge
- Credit Policies and Process
Qualifications
- External: MBA, MS-Banking - ICFAI
- Internal: CCC, Credit Risk in FM Products
- E-learnings: Climate Risk
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.
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