Standard Chartered India | Manager Credit Initiation

Responsibilities

• This role exists to support sustainable retail portfolio growth by making prudent, timely and consistent credit decisions for mortgage and wealth management products.
• The role evaluates customers’ creditworthiness, risk exposure, affordability and application quality to ensure lending decisions align with the Bank’s credit policies, risk appetite, regulatory obligations and business objectives.
• The role balances risk management with customer experience by ensuring credit applications are assessed accurately, efficiently and consistently.
• The role also supports the evolution of credit operations by identifying opportunities to improve turnaround times, strengthen controls, support product launches and contribute to operational initiatives that enhance service delivery and decision-making effectiveness.
• Where applicable, the role provides operational guidance, supports team capability development and helps maintain underwriting consistency across the function.
• Assess retail mortgage and wealth management applications to deliver prudent credit decisions that balance customer needs with portfolio risk objectives.
• Evaluate customer financial profiles, affordability, repayment capacity and credit history to determine appropriate lending outcomes.
• Identify, assess and mitigate credit and fraud risks that may affect portfolio quality or customer outcomes.
• Support a strong risk culture through disciplined application of credit policies and controls.
• Improve underwriting efficiency by identifying process enhancements that reduce turnaround times while maintaining control effectiveness.
• Contribute to operational initiatives that enhance service quality, productivity and customer experience.
• Support the implementation of new products, policy changes and process enhancements to ensure operational readiness.
• Partner with Product, Sales, CRM, Fraud Risk, Lending Operations and support teams to facilitate effective credit assessment and application processing.
• Provide underwriting expertise that supports business growth initiatives, marketing campaigns and new product introductions.
• Resolve credit-related queries and exceptions by collaborating with relevant stakeholders to achieve balanced customer and risk outcomes.
• Contribute operational insights to projects and initiatives that improve the effectiveness of the end-to-end lending process.
• Ensure credit decisions and operational activities comply with regulatory requirements, Bank policies and internal control standards.
• Maintain accurate documentation and audit readiness to support transparency and regulatory compliance.
• Support governance activities that strengthen underwriting consistency, policy adherence and operational risk management.
• Building trusted, long‑term relationships that deliver sustainable, risk‑adjusted growth.
• Escalate complex or higher-risk cases appropriately to ensure sound risk governance and decision integrity.
• Use operational insights and performance trends to recommend improvements in credit assessment and workflow management.
• Aligning products, regions and stakeholders around clear strategic priorities.
• Applying sector‑ and segment‑specific knowledge and judgment to solve complex client problems and create value, leveraging data and AI‑enabled insights to deepen client understanding, sharpen focus and drive commercial impact.

Qualifications

• Experience in regulated financial services environments where risk, compliance and customer outcomes are closely managed.
• Exposure to retail lending, mortgage, wealth management or consumer banking products involving structured credit assessment frameworks.
• Experience in high-volume processing environments requiring strong judgement, prioritisation and attention to detail.
• Exposure to cross-functional collaboration involving Product, Sales, Operations, Risk and Control functions.
• Experience supporting operational improvement initiatives focused on efficiency, service quality and control effectiveness.

Standard Chartered

Standard Chartered is an international banking group headquartered in London, with a strong focus on Asia, Africa and the Middle East. It was formed in 1969 through the merger of Standard Bank and The Chartered Bank.

Its Indian global business services centres hire finance professionals for financial control, stress testing, regulatory reporting, tax and risk roles.

• Industry: Banking and financial services
• Headquarters: London, UK
• In India: Present in India for over 150 years, with global business services centres in Bengaluru and Chennai