Associate Director, Retail IFRS9 and ST Model

Full-time - Senior

Bangalore, IN

Credit Intermediation and Related Activities

About the position

This position is for an Associate Director with an advanced degree in a quantitative discipline; requires experience and proficiency in areas of statistics, applied mathematics, SAS programming language and a good understanding of retail banking / small business lending businesses. The individual will use these skills in the development of IRB, IFRS9, Stress Testing, Credit Scoring and other risk models for Retail / Small Business. In addition, the individual might be required to support other risk analytics related to Retail / Small business.

Responsibilities

• 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.
• Lead the 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.
• Serve as a Director of the Board.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent).
• Embed Here for good and Group's brand and values in team.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Multiple functions (double hats).

Requirements

• Bachelors / Advanced (Masters or higher) Degree in Statistics, Applied Mathematics, Operations Research, Economics, Engineering or other quantitative discipline.
• Good understanding of retail banking / small business / consumer finance products and business life cycles (e.g. sales, underwriting, portfolio management, marketing, collections...).
• Experience in quantitative analysis & statistical modeling in credit risk / marketing / portfolio strategy for retail banking / small business / consumer finance portfolios.
• Proficient statistical programming skills in SAS (preferred) or similar, strong analytical skills and understanding of quantitative and statistical analysis.
• Hands-on experience in mining data and understanding data patterns.
• Demonstrated proficiency in scorecard development is a plus.
• Experience in directly interacting with Business and exposure to international markets will be a plus.

Nice-to-haves

• Analytical / Strategic / Conceptual thinking.
• Ability to multi-task between executing a project hands-on along with guiding/overseeing Associate Managers.
• Attention to detail.
• Problem solving.
• Verbal/Written communication.
• Presentation skills.
• Modelling.
• Communication.
• Self-driven, highly motivated, organized and methodical.

Benefits

• 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.