Standard Chartered Bank 渣打银行(香港)招聘

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

Senior Manager, Credit Risk Management

The Role Responsibilities:

  • To support retail Secured Lending business / product developments by providing feedbacks and information relating to prospective target market segment risks.

  • To formulate credit policies/ develop product programs to support new business/product launches.

  • To provide necessary portfolio analyses and credit performance forecasts, and to review financial proposition with the Business to ensure good growth.

To constantly review and formulate policies to reflect changes in risk/ competitive dynamics in the market place.

  • To support marketing programs launches through effective management of program risks and profitability.

  • To monitor new acquisition/portfolio performance and daily margin mangement for WM lending.

  • To review and ensure that Product Programs are renewed on timely basis.

  • To support on development, implementation and monitoring the use of application / behaviour scorecards (if it is in place) and other risk management tools/systems, to ensure that newly acquired customers / portfolio healthiness.

  • To support process streamline in credit operations to ensure a more efficient workflow without compromise in controls.

  • To support the development of management information systems, which from the statistical base for the formulation and modification of credit policies.

  • To coordinate with Group reporting/ Hub analytic / Product / Credit Initiation / Operations / Finance teams to ensure timely reporting of related new business information and portfolio performance to senior management.

Our Ideal Candidate:

  • Solid experience in consumer risk management, in particular on Secured Lending Products - WM Lending.

  • Strong analytical mindset, good problem solving skills and ability to work under immense pressure.

  • Possesses sharp judgment and ability to make prompt and reliable recommendations to management under tight timelines.

  • Good communication and interpersonal skills, good leadership and management skills.

Senior Audit Manager, Financial Markets, GIA

Key Accountabilities:

  • Establish and develop effective working relationships with Management of business units for which incumbent has risk assessment responsibility.

  • Act as liaison with Management to ensure full understanding of business strategy, plans, products, performance and risk-related issues at business unit level and communicating these to the relevant Functional Team members via bottom-up continuing risk assessments and dialogue.

  • Perform, support or lead where directed, the planning, fieldwork, and reporting of internal audit engagements to deliver agreed assurance objectives to established standards and timelines.

  • Provide non-assurance services to business units where required, through participation on advisory engagements / special projects within the Group.

  • Where undertaking the role of Team Leader, provide interim performance feedback to team members through written evaluations.

  • Be a Subject Matter of Expert (SME) for one of the Financial Markets product, e.g. FX, Commodities, Rates, Credit, Capital Markets etc. Share knowledge, skills and experience with team members to guide and assist in their development. Assist HoA to build local specialism within the country audit teams.

  • To come out with innovative ideas helping the function transforming to a high-performance culture and deliver smarter auditing.

Key Attributes:

  • Professional auditors or business practitioners with core audit / business skills.

  • Effective collaborative skills that contribute to positive working relationships with counterparts in Group Audit and the business.

  • Demonstrates ability to work independently and seek guidance when needed.

  • Demonstrates ability to multi-task without loss of quality.

  • Flexibility to work across different functions and situations globally, and change priorities at short notice.

  • Demonstrates ability to think objectively and "think outside the box" when analysing issues and recommending / developing solutions.

  • Effective oral and written communication skills.

  • Ability to foster a participative and cooperative work environment.

  • Demonstrates understanding of and commitment to the Group's core values.

  • Engagement in professional certification activities, including completion of mandatory Bank-sponsored industry certification (e.g. credit, trade finance etc.) where appropriate.

  • Professional audit certification encouraged.

  • Ability to commit to ~ 25% business travel.

  • Ability to perform role of "Change Leader".

Reporting Relationships

  • Reports to Product Head of Audit

Associate Director, Inv. Mgmt., Treasury Markets, HK

The Role Responsibilities:

The main responsibility of this role is the management of the interest rate profile of the bank's natural balance sheet and the bank's Fixed Income Portfolio. The job is to develop and implement strategies which reposition this risk, to maximise profitability both in the current year and through the economic cycle. The emphasis is squarely on medium term positioning and not on short term profit.

This role requires an extreme degree of judgement. The individual is required to use this judgment to assess the entire economic, political and market environment and distil this into profitable investment decisions. They must be confident being responsible for their own investment decisions.

Under the guidance of Investment Manager and/or Head of Treasury Markets, the role of the Investment Dealer will cover the following:

  • Deep research and understanding of the economic, political and market drivers to form an expert view of its future evolution.

  • Develop well timed strategies and handle flawless execution of trades to capture opportunities.

  • Improve return by optimising asset allocation and surplus liquidity deployment strategies.

  • Manage credit risk exposure in the fixed income book and take advantage of cross currency basis and other interest rate basis moves to improve performance.

  • Apply hedging strategies to improve returns and manage MTM P&L swings.

  • Articulate market views and collaborate with the global investment team.

  • Ensure the correct interest rate risk profile is captured correctly and transferred to Treasury Markets.

  • Capacity planning and budging, continuously improving systems, process, and the way we work.

  • Adhere to the bank's risk limit framework and parameters at all time.

  • Safeguarding the bank's liquidity position, ensure the bond portfolio can be liquidated quickly to meet liquidity needs.

  • Effective use and management of RWA

Our Ideal Candidate

ATTRIBUTES/ EXPERIENCE/ KNOWLEDGE REQUIRED:

  • Experience in calculating/operating/managing of Interest Rate, Credit, and Basis Risks

  • Experience in pricing and executing trades covering Fixed Income securities, IRS, CCS, Money Market/FX Swap

  • Understanding of credit markets (HG, HY, Covered Bonds, ABS)

  • Understanding of Basel 3 (LCR, NSFR) requirement

  • Understanding of Banking Book, Transfer Pricing, HKMA Regulatory Framework, Banking (Liquidity) Rules,

  • Experience in Hedge Accounting, understanding of the rules and the implication on accounting and P&L performance

  • The individual must be highly disciplined, complying to risk limits and guidelines are absolute.

KEY STAKEHOLDERS:

Internal

  • Treasury Markets Investment Managers in other centres

  • Treasury Markets Liquidity Management Function

  • Treasury Markets Credit Team

  • Trading Desk within SCB (Credit, Rates, ABS)

  • Research / Economists

  • Market and Traded Credit Risk

  • SCB countries in region and the major hub Treasury Markets centres

External

  • Local and International Banks

  • Local Central Bank

  • Money Brokers

  • Credit research analysts and dealers

  • Research / Economists

  • Policy Makers

If you're ready to take on your next challenge, apply now.