Standard Chartered India | Senior Manager, Credit Risk Governance

Responsibilities

• Own and oversee the monthly Operational Risk assessment processes, maintain and update the Credit Risk Register and Risk and Control Self-Assessment for both Credit Risk and SAR.
• Facilitate the completion of Control Tests (KCIs/CSTs) and other governance and control checks.
• Assist to identify and assess key operational risk areas and control gaps.
• Investigate exceptions, maintain supporting evidence, track remediation, and escalate material or overdue matters where required.
• Maintain and update the PCF register for the applicable regulatory requirements (i.
• Coordinate attestation / confirmation of the articles assigned to the various line owners as part of the quarterly and annual attestation exercise.
• Identify appropriate line owner(s) for each changed regulation and ensure timely escalation of regulatory changes to the relevant stakeholders.
• Ensure that control and assurance methods documented by line owners provide a sufficiently robust control framework to enable effective ongoing compliance, including exception monitoring / reporting.
• Prepare Prudential Regulatory Compliance (Credit Risk) report semi-annually covering the yearly attestation, issues encountered during the exercise and plan/s to resolve with clear timelines for submission to Credit Risk Committee.
• Coordinate the annual Credit Risk ICAAP Pillar 2A assessment process.
• Review proposed Credit Risk Pillar 2A capital add-ons and supporting RWA and capital narratives and maintain supporting methodology, analysis, and governance documentation.
• Assess existing and emerging credit risks to determine whether additional Pillar 2A capital may be required.
• Prepare, reconcile, and validate supporting data and perform relevant KCI and CST checks.
• Coordinate stakeholder review and sign-off of Group and Solo ICAAP submissions.
• Prepare materials for Expert Panel reviews, including the methodology review and final capital assessment.
• Support the effective operation of the Credit Non-Financial Risk Committee.
• Coordinate agenda setting, meeting timelines, paper submission, pack consolidation, quorum, minutes, and follow-up actions.
• Prepare the committee’s summary and escalation paper.
• Coordinate the annual review of the committee Terms of Reference and the periodic committee effectiveness assessment.
• Review and consolidate relevant Credit NFRC papers and management information, including EA and covenant reporting, SAR KCI reporting, Credit KCI reporting, quarterly KCI and CST exceptions, and policy exceptions.
• Coordinate the annual and periodic review of intragroup outsourcing arrangements.
• Maintain SAR delegated authority letters and coordinate updates to relevant systems when there are changes.
• Support Senior Credit Secretariat requests on SCS Sole/Dual approval process when required.
• Support the team with various reports such as Headcount reporting, Conduct dashboard etc.
• Responsible to update the Conduct outcomes and Conflict of Interest register in discussion with Group Compliance.

Requirements

• Strong analytical, communication and interpersonal skills.
• Strong knowledge of credit risk governance.
• Experience in governance and control testing, risk registers, RCSA, KCI/CST monitoring, and issue remediation.
• Has good understanding of operating risk identification process and implementing process controls.
• Experience in working / implementing such methodology in process operations would be preferable.
• Understanding of Basel requirements, regulatory capital, ICAAP, and Pillar 2A and their impact on credit policy, processes, controls, and systems.
• Experience supporting senior governance committees and preparing executive-level papers, management information, and presentations.
• Strong analytical skills, including the ability to review capital and RWA information, reconcile data, challenge assumptions, and identify material issues.
• Strong written and verbal communication skills, with the ability to translate complex regulatory and risk matters into clear governance documentation.
• Ability to coordinate multiple ad hoc deliverables.
• Strong stakeholder-management skills and confidence engaging senior stakeholders across multiple functions and jurisdictions.
• High attention to detail, sound judgement, and the ability to work independently while maintaining effective governance and control discipline.

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