Standard Chartered
Website:
sc.com
Job details:
Job Summary
The successful candidate will be part of the Risk & Compute squad within Global Banking - LoansHub team, part of the wider FM technology organization. We support Global Banking (previously Corporate Finance), covering both the loan origination and distribution businesses.
We are a business-first team with diverse skillset across coverage, risk, product management, trading and technology, who work with frontline, risk, MO and ops SMEs to build technology solutions leveraging data to drive strategic decisions, optimize portfolio management and address business problems, and are ably supported by BAs, developers and QAs from our squads.
Role
Although the primary focus for this role will be delivering a fully digitized, data driven business and risk monitoring and portfolio management and analytics tool for loan origination teams, financing risk and specialized finance, the role holder will be expected to work flexibly x-asset on three areas of focus, and apply cross-learning effectively:
- Corporate Credit and Financing Risk
- Market, Pricing and Reference data
- MI and Analytics (incl. predictive analytics, ML solutions)
Key Responsibilities
Strategy
- Awareness and understanding of the Group's business strategy and model appropriate to the role
- Strong corporate loan products knowledge on origination, structuring, life-cycling: term loans, RCF, bridge loans. Experience with specialized finance products (Leverage Acquisition Finance, Financing Solutions, Corporate Real Estate, Shipping finance, Aviation finance) highly desired.
- Familiar with corporate lending lifecycle, documentation (credit agreements, spreads, scorecards, covenants, amortization schedules)
- Relevant experiences in financial markets or corporate finance technology covering
- Business analysis in an agile setting
- Gathering requirements and writing clear functional specifications / stories and getting them delivered
- Delivering interface analysis and data modelling
- Translating requirements / business problems into a clear set of technical specifications forming a solution. Maintain ADO ticket backlog, establish traceability to business vision and objectives, act as SME for users
- Obtain stakeholder buy-in and sign-off on business requirements
- Adhere to change management standards & procedures, including documenting and capturing all artefacts (Requirements, FSDs, Data Dictionaries, Sign-offs, Minutes of meetings) required by project governance
- Managing and removing impediments and providing pro-active day-to-day support to users across key owned / supported systems / interfaces
- Ability to work under ambiguous business environments to provide clarity and facilitate discussions to reach consensus / business decisions
- Good problem-solving capabilities and execution
- Ability to drive continuous improvement
- Strong scope and accountability management
- Strong regular communication highlighting impediments and requesting help where required / reporting to management on progress
- Good understanding of Loans products front-to-back
- Good knowledge of Financial Market processes (Trade processing, Life cycling, Risk, back office, etc…).
Business
- Ability to analyze complex financial datasets to extract actionable insights and inform business strategies
- Knowledge of SCB reference and static data stores like SCI, CreditMate and ACBS is highly desirable
- Familiar with corporate lending lifecycle, documentation (credit agreements, spreads, scorecards, covenants, amortization schedules)
- In-depth understanding of data models (incl FpML) for corporate loans
- Business mindset; able to triage asks, justify priority based on cost/benefit, and demonstrate value using defined metrics. Continuous tracking of KPIs.
- Preferred: ESG: Assessment/identification of ESG loans and bonds, ESG and climate risk rating data for loans and bonds, data for assessment of adherence to Poseidon principles
Processes
- Strong data munging skills including SQL, Python and database tools (eg. PostgreSQL) to support advanced data analytics and machine learning models
- Ability to quickly learn new tools / systems (risk, transaction booking systems) and understanding technology and functional designs
- Extensive experience with loan and collateral systems across the lifecycle, linkages, terminologies: Origination, servicing, monitoring and risk management, distribution / trading, reporting
- Extensive experience with credit and market risk systems and concepts
- Experience with integrating and using vendor data sources: market and economic data, reference data incl. credit ratings, event data (news, legal filings), risk indicators
- Strong knowledge of data modelling, interface design
- Strong knowledge on basic BA toolkit: Excel, Powerpoint, Visio, ADO, Confluence
- Up-to-date on latest app development paradigms: microservices, containerization, APIs
- Basic development capabilities (python, java e.g.) to read code, build ad-hoc, enhance tactical tools.
People & Talent
- Strong interpersonal skills; good team spirit. Able to influence to drive work using informal pathways.
- Strong communication and presentation skills; able to tailor messages for highest impact depending on audience (technical vs business) and seniority
- Proactive, self-starter, autonomous; able to independently drive analysis, design, development, delivery in greenfield areas.
- Self-motivated, multi-tasking, with strong analytical and problem-solving skills, solution oriented with proven results
- Curious; willing to dive into the details and understand concepts, graph relationships, interdependencies effectively, but also judicious on time spent vs materiality/benefit
Risk Management
- Risk (banking and trading books) and Data (Reference, Market, Economic) Analytics expertise. This includes credit and liquidity risk measurement, Revenue, RWA and ECL calculation and optimization.
- Meticulous documentation; maintains clear ADO backlog, detailed Confluence pages, artefacts on any solutions built.
Governance
- Oversight and controls in the business and, if necessary, oversee changes in these areas
- 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 to achieve the outcomes set out in the Bank’s Conduct Principles
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
- We support Global Banking (previously Corporate Finance), covering both loan origination and distribution businesses, and their supporting teams including Portfolio Analytics and Monitoring (PAM) Team, and the Global Banking COO office.
Other Responsibilities
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);
Skills And Experience
- Data Analytics and Business Intelligence
- Data Engineering
- Data Science
Qualifications
- The candidate must have at least 10 years of experience
- With banks or product companies with strong business analysis skills
- Working on solution delivery either supporting business directly, or as a part of wider system rollouts
- Relevant experiences in financial markets or corporate finance technology covering
- Business analysis in an agile setting
- Gathering requirements and writing clear functional specifications / stories and getting them delivered
- Delivering interface analysis and data modelling
- Translating requirements / business problems into a clear set of technical specifications forming a solution. Maintain ADO ticket backlog, establish traceability to business vision and objectives, act as SME for users
- Obtain stakeholder buy-in and sign-off on business requirements
- Adhere to change management standards & procedures, including documenting and capturing all artefacts (Requirements, FSDs, Data Dictionaries, Sign-offs, Minutes of meetings) required by project governance
- Managing and removing impediments and providing pro-active day-to-day support to users across key owned / supported systems / interfaces
- Ability to work under ambiguous business environments to provide clarity and facilitate discussions to reach consensus / business decisions
- Good problem-solving capabilities and execution
- Ability to drive continuous improvement
- Strong scope and accountability management
- Strong regular communication highlighting impediments and requesting help where required / reporting to management on progress
- Good understanding of Loans products front-to-back
- Good knowledge of Financial Market processes (Trade processing, Life cycling, Risk, back office, etc…).
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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