Job Summary
SCB GIFT City is an offshore booking location (OBL) located at GIFT City, Gandhinagar, Gujarat. Branch has more than 110 BCA clients from CCIB and CPBB segments. This profile is for Credit Analyst position at SCB GIFT City branch.
Responsibilities
Business
Processes
· Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
· Ensure timely submission of quality Quarterly Credit/ Performance Reports
· Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
· Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
· Ensure Zero BCA and CaRT over dues.
· Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
· Proper maintenance of Credit files and ensuring Audit Ready at any time
· Attend EAR/Portfolio calls along with the RMs
· In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
· Work with RM on account management with stressed asset team
· Embed usage of Credit Risk Analytics and Credit Analytics Framework.
· Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective
Strategy
Risk Management
Governance
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 Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
· Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
Internal
· Credit
· Relationship Manager
· Other stake holders (FM/TB/IMO/Audit etc)
External
Other Responsibilities
Qualifications
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:
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
Visit our careers website www.sc.com/careers