Credit Anyst

Credit Anyst
Confidential • New Delhi, Delhi • via CallCenterJob.co.in
23 hours ago
Full–time
No Degree Mentioned
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Job description
Job: Retail Banking Primary Location: Asia-India-New Delhi Schedule: Full-time Employee Status: Permanent Posting Date: 27/Mar/2026, 2:28:13 AM Unposting Date: Ongoing Roles and Responsibility • Execute the Lending and risk operation strategic direction and manage country verification activities and processes effectively and efficiently. • Work with Head Credit Initiation, CCH and other stakeholders in-country for smooth functioning of Credit Initiation processes and activities Strategy • Provide inputs in shaping the Lending and risk operation strategic direction • Work with in-country stakeholders to deliver against the Lending and risk operation strategic initiative Business • Optimise operating efficiency while balancing the effectiveness of decision making within the Lending and risk operation function. • Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline. Processes • Ensure that verifications are executed in line with the process and policy guidelines while adhering to the process standards defined by CCO, Retail Clients. • Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives. • Leverage and build credit assessment infrastructure capability to optimize process efficiency. • Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees. • Implement the Operational Risk Framework in Lending and risk operation and monitor the operational risk metrics to identify potential control weaknesses. • Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations. People and Talent • Lead through example and build the appropriate culture and values within the Credit Initiation team. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners. Risk Management • Identify and share industry best practices and work with the businesses for their feasibility and implementation. • Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship. • Ensure all verification policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures. Governance • Provide oversight on verification team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. • Embed the Group’s values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture. • Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews. 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 Credit Initiation team to achieve the outcomes set out in the Bank’s Conduct Principles: [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. Key Stakeholders • Internal stakeholders • Country Credit Head • Country Business Heads and Product Head, Retail Client segment • In-country governance forums (as may be applicable) • Country Fraud and Collections Heads • Relevant members of Risk Operations management team • Internal IT partners supporting Retail Clients business • HR & L&TD team • Operations, L&C and Customer Experience Management Unit • External stakeholders • Auditors and Regulators • Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks • Suppliers, vendors and consultants Our Ideal Candidate Role Specific Technical Competencies • Unsecured underwriting – Personal Loans • Excel About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 160 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 ...