{"id":155961,"date":"2021-12-14T08:10:19","date_gmt":"2021-12-14T07:10:19","guid":{"rendered":"https:\/\/joblistnigeria.com\/?p=155961"},"modified":"2021-12-14T22:50:41","modified_gmt":"2021-12-14T21:50:41","slug":"standard-chartered-bank-nigeria-current-job-opportunity","status":"publish","type":"post","link":"https:\/\/joblistnigeria.com\/standard-chartered-bank-nigeria-current-job-opportunity.html","title":{"rendered":"Standard Chartered Bank Nigeria Current Job Opportunity"},"content":{"rendered":"<p>Standard Chartered Bank Nigeria &#8211; 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.\u00a0 It&#8217;s about showing how you embody our valued behaviours &#8211; do the right thing, better together and never settle &#8211; as well as our brand promise, Here for good.<\/p>\n<p>We&#8217;re committed to promoting equality in the workplace and creating an inclusive and flexible culture &#8211; 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. We are recruiting to fill the position below:<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Job Title: Head, Lending Operations and Risk Operations<\/strong><br \/>\n<strong>Location:\u00a0<\/strong>Lagos<br \/>\n<strong>Job ID:<\/strong> 2100033986<br \/>\n<strong>Job:<\/strong> Operations<br \/>\n<strong>Schedule:<\/strong> Full-time<br \/>\n<strong>Employee Status:<\/strong> Permanent<\/p>\n<p><strong>The Role Responsibilities:<\/strong><br \/>\n<strong>Strategy:<\/strong><\/p>\n<ul>\n<li>Appraise and contribute to the development of the Bank\u2019s strategic plans.<\/li>\n<li>E2E ownership of the client onboarding journey to drive credit quality, client experience and operational efficiency.<\/li>\n<li>Align the Credit risk and lending operations strategy of the function with business strategy and risk appetite and oversee its execution. For positions overseeing fraud \u2013 embed all principles of fraud operations to have an effective onboarding strategy. For positions not overseeing Fraud Ops to \u2013 work closely with the Fraud Operations team in embedding the strategy<\/li>\n<li>Effectively deliver the strategic initiatives on digital onboarding and embedding new technologies for auto credit decision and faster TAT. Embed principles of Right Shoring.<\/li>\n<li>Build a Centre of Excellence to support the shifting of risk management to the frontline.<\/li>\n<li>Support to strengthen the Organisation\u2019 s risk culture and accountability and help reinforce the defence line up.<\/li>\n<li>Represent the underwriting and lending operations function in relevant country committees and management forums.<\/li>\n<li>Supervise the teams to achieve sound management of all aspects of Credit and Lending Operations in relevant country\/GBS Cluster<\/li>\n<li>Support to enhance Priority, Affluent and Private business as best in class CVP and Support to deliver Signature Client Journeys<\/li>\n<li>Support Personal Banking agenda with Digital led model.<\/li>\n<li>Embed innovation, digitisation and New ways of working by defining and actioning future state operating model.<\/li>\n<\/ul>\n<p><strong>Business:<\/strong><\/p>\n<ul>\n<li>Define the strategic intent and agenda for the Credit risk operations and Lending operations function.<\/li>\n<li>Provide Group information, guidance, best practice and expertise to ensure that the Function applies the same business strategy and operate the risk management system;<\/li>\n<li>Communicate to the Business the strategic intent and collective agenda for the Function;<\/li>\n<li>Maintain and develop underwriting and operations capabilities and skills to meet ongoing business needs and plans \u2013 awareness and understanding of the wider business, economic and market environment in which the Group operates.<\/li>\n<li>Ensure the Fraud Risk Management framework is effectively embedded and communicated across the business segments and lending products.<\/li>\n<li>Develop effective fraud risk management strategies and timely deploy these strategies across products and channels<\/li>\n<\/ul>\n<p><strong>Processes:<\/strong><\/p>\n<ul>\n<li>Lead the efforts to develop, deploy and optimize country credit initiation strategy and processes.<\/li>\n<li>Adhere to Global Cap Plan and MIS + Policy governance framework<\/li>\n<li>Good understanding of Credit Policy and Fraud Process Standards. Understanding of implementation of Credit Decision Engines, Scorecards and tools for credit underwriting<\/li>\n<li>Run day-to-day underwriting and operations and lead its team by example. This requires keeping track of performance metrics, taking corrective actions, analysing bottlenecks and implementing solutions that bring process performance to the next level. Examples of critical success metrics would be improving TAT, reducing the % of portfolio in late repayment, etc.<\/li>\n<li>Identify and track Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs) to support the Approval quality and daily operations. Awareness of TTD Quality, score band shifts and linking evolving trends to credit operations approach and training.<\/li>\n<li>Cross functional experience in Risk \u2013 Collections \/ Fraud \/ Credit Policy preferred<\/li>\n<li>Cross product underwriting experience \u2013 Business Banking,Mortgage, Credit Cards,Personal Loans etc.<\/li>\n<li>Ensure effective management of operational risks within the Function and compliance with applicable internal policies, and external laws and regulations. Identify and report all weaknesses inherent in the standard controls .<\/li>\n<li>Leads the development of the design, management and adherence of key operating controls and levers that improve end to end decisioning efficiency and customer experience.eg:Workflows ,EUC<\/li>\n<li>To ensure Approval of Applications as per policies in DOI and Bulletins and supporting in achieving\u00a0 a superior End to End TAT.<\/li>\n<li>Ensure capacity is adequate to support the processing, and the linkage between capacity planning, volumes and expenses remains robust at all times.<\/li>\n<li>Work with\u00a0 Business Partners, Product Partners and Risk team members to optimize Strategy and Processes<\/li>\n<li>Manage and improve unit costs.<\/li>\n<li>Establish initiatives and plans to improve performance.<\/li>\n<li>Improve Approval quality and productivity<\/li>\n<li>Operational Excellence Rework reduction \/ TAT reduction<\/li>\n<li>Early Deliqnuency Reviews and feedback to policy teams.<\/li>\n<li>Cross functional training to develop risk awareness and culture.<\/li>\n<li>Service Reviews embedded with KPIs , KRIs and KCIs .<\/li>\n<li>SLA adherence<\/li>\n<li>Ability to review and work with CCH and stakeholders to eliminate pain points in relevant processes<\/li>\n<li>Monthly meeting With Country Credit Head , Policy and process control unit to discuss deliquent cases , Risk Decision Framework and Approval Rate Reviews .<\/li>\n<li>Effectively manage and handle escalations\/process breaches<\/li>\n<li>Help team improve their efficiency in assessment of applications \u2013 not sure what this means as there is already text on optimisation etc .<\/li>\n<li>Responsible for managing vendors supporting the onboardign activites including those that are outsorced.<\/li>\n<li>Develop and maintain fraud management capabilities, skills and infrastructure in the region that are in compliance with both internal policies and external regulations and are responsive to fraud attacks<\/li>\n<li>For positions also overseeing Fraud Risk Operations \u2013 Application Fraud Risk And Surveillance fraud<\/li>\n<li>Effectively manage E2E process archival and document management guidelines for Lending operations<\/li>\n<li>Controls on Independence \/ principles of dual control etc. for loan disbursement<\/li>\n<li>Oversee plastic ordering and fulfilment responsibilities<\/li>\n<li>Oversee Outsourcing arrangements as applicable<\/li>\n<\/ul>\n<p><strong>People and Talent:<\/strong><\/p>\n<ul>\n<li>Lead through example and build a risk culture within the Function and across frontline.<\/li>\n<li>Establish a plan and timeline to develop a Beginner to Advanced understanding of Credit Risk Management within the function. Is this country specific? Should this not be Group led with country in execution mode?<\/li>\n<li>Embed with in the team Agile and New Ways of Working.<\/li>\n<li>Ensure the provision of ongoing training and development of people and ensure that holders of all critical functions are suitably skilled and qualified for their roles.<\/li>\n<li>Employ, engage and retain high quality people, with succession planning for critical roles.<\/li>\n<li>Responsibility to review team structure\/capacity plans.<\/li>\n<li>Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.<\/li>\n<li>Appropriately certified and ensure a culture of Risk learning<\/li>\n<li>Drive a self-improvement culture with focus on Credit Quality, OKRs and A3s<\/li>\n<\/ul>\n<p><strong>Risk Management:<\/strong><\/p>\n<ul>\n<li>Support Country Credit Head to uphold the integrity of risk\/return decisions, by challenging business and control function heads to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.<\/li>\n<li>Support the CCH and CRO to shift the risk management to the frontline which in turn strengthening\u00a0\u00a0 the organisation\u2019s risk culture and accountability and reinforce the defence line up.<\/li>\n<li>Ensure risk identification, measurement and mitigating capabilities are built in the function which are objective, consistent and compliant with applicable regulations<\/li>\n<li>Assign Lending authorities only to suitable named individuals in line with their skills and judgment \u2013 is this allowed? I thought lending delegation is by Credit Risk team with no sub-delegation.<\/li>\n<li>Document all tests, strategies and outcomes implemented in Credit Initiation.<\/li>\n<li>Obtain assurance regarding the effectiveness of all process and controls. Compliance with applicable laws and regulations.<\/li>\n<li>Capability to analyse and accept employment, Income, scorecard, application\/behaviour scores, valuation risk ratings outside of policy (within CAD guidelines)<\/li>\n<li>To comply with the bank\u2019s requirements of AML, CDD and all policies related to the group reputation risk.<\/li>\n<li>Relevant DOI\/Bulletins\/CCPMs are checked before processing and\/or approving a request, in case of any exception the same is pended\/rejected and reported.<\/li>\n<li>Develop a collaborative relationship with regulators, peer banks and fraud risk industry forums to help detect and mitigate fraud<\/li>\n<li>Ensure various fraud risks are being actively prevented and detected in a timely manner on an end-to-end basis<\/li>\n<\/ul>\n<p><strong>Governance:<\/strong><\/p>\n<ul>\n<li>Maintain a good understanding of the requirements relevant to the role and ensure that these are well understood reflected in internal procedures.<\/li>\n<li>Maintain and open and cooperative relationship in dealings with Second Lind and third Line.<\/li>\n<li>Support the Risk owners to ensure business heads and all risk control owners understand and accept their risk management responsibilities.<\/li>\n<li>In the event of regulatory breaches, policy breaches or where credit appetite have been breached, ensure senior management are informed and that actions are taken quickly to remediate.<\/li>\n<li>Identifying and reporting all exceptions on non-compliance with standard controls<\/li>\n<li>Service level are to be checked and monitored and ensure there is no breach.<\/li>\n<li>Participate and contribute in relevant Country governance forums and committees<\/li>\n<li>Ensure outsourcing arrangements related policies and procedures are fully complied in-country<\/li>\n<\/ul>\n<p>Regulatory &amp; Business Conduct:<\/p>\n<ul>\n<li>Display exemplary conduct and live by the Group\u2019s Values and Code of Conduct.<\/li>\n<li>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.<\/li>\n<li>Lead the Credit Risk Operations and Lending Operations function to achieve the outcomes set out in the Bank\u2019s Conduct Principles<\/li>\n<li>Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.<\/li>\n<\/ul>\n<p><strong>Key Stakeholders:<\/strong><br \/>\n<strong>Internal:<\/strong><\/p>\n<ul>\n<li>Country Head of CPBB<\/li>\n<li>Members of Country CPBBMT<\/li>\n<li>Global Head Risk Operations and Lending<\/li>\n<li>Head Fraud Operations<\/li>\n<li>Head Credit Risk Operations and Lending (global)<\/li>\n<li>Country COO \/ Regional COO<\/li>\n<li>Country Head Onboarding<\/li>\n<li>Country Credit Head<\/li>\n<li>Country Head of Policy<\/li>\n<li>Country Head Fraud Operations and FRM second line<\/li>\n<li>GBS \/Country teams depending whether role is in country or GBS.<\/li>\n<li>GIA and BRM<\/li>\n<li>Group Stakeholders as relevant for initiatives<\/li>\n<li>Outsourcing arrangements<\/li>\n<\/ul>\n<p><strong>External:<\/strong><\/p>\n<ul>\n<li>Regulators and Central Banks<\/li>\n<li>External auditors<\/li>\n<\/ul>\n<p><strong>Other Responsibilities:<\/strong><\/p>\n<ul>\n<li>Embed \u2018Here for Good\u2019 and the Group\u2019s brand and values in Country and Region.<\/li>\n<li>Perform other responsibilities assigned under Group, Region, Country Business or Functional policies and procedures.<\/li>\n<\/ul>\n<p><strong>Our Ideal Candidate:<\/strong><\/p>\n<ul>\n<li>CA or a Master\u2019s Degree in Business Administration in either of Finance, Business, Economics, Mathematics \/ Statistics is preferred.<\/li>\n<li>At least 15 years of banking experience, with bulk of it being in the Credit Risk Management domain. Minimum 10 years of underwriting \/ Risk policy experience for Big Markets<\/li>\n<li>Team Management Experience<\/li>\n<li>Experience in holding Delegated Lending Authorities and Approving High ticket Loans.<\/li>\n<li>Qualified in Certifications, CLSB (Omega Learning) , CSA (Omega\/Moody\u2019s) or equivalent<\/li>\n<li>Understanding of the full credit lifecycle including acquisition, fraud, account management, collections and recoveries<\/li>\n<li>Good understanding of the key drivers of Asset products financials and the underlying consumer behaviours that drive those financials<\/li>\n<li>Numerically savvy, able to work with data, perform analysis and communicate results.<\/li>\n<li>Strong analytical skills and problem-solving abilities<\/li>\n<li>Able to manage incidents, including liaising with IT and stakeholders to ensure smooth resolution, design and implement system changes<\/li>\n<li>Experienced in performance management. Capable of understanding process shortcomings and set up key performance indicators to measure improvements<\/li>\n<li>Strong interpersonal skills, ability to connect with customers, direct reports and Management teams.<\/li>\n<li>Familiar with regulations and must possess sound market and industry knowledge.<\/li>\n<\/ul>\n<p><strong>To Apply:<\/strong><br \/>\nInterested and qualified candidates should:<br \/>\n<a href=\"https:\/\/scb.taleo.net\/careersection\/ex\/jobdetail.ftl?job=2100033986&amp;lang=en\" target=\"_blank\" rel=\"noopener\"><strong>Click here to apply online<\/strong><\/a><\/p>\n<p><strong>Application Deadline: <\/strong>28th December, 2021.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Standard Chartered Bank Nigeria &#8211; 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&#8230;..<\/p>\n","protected":false},"author":10165,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[2846,2882],"tags":[2522],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Standard Chartered Bank Nigeria Current Job Opportunity - Jobs in Nigeria<\/title>\n<meta name=\"description\" content=\"Standard Chartered Bank Nigeria - We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/joblistnigeria.com\/standard-chartered-bank-nigeria-current-job-opportunity.html\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dozie Nze\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/joblistnigeria.com\/standard-chartered-bank-nigeria-current-job-opportunity.html\",\"url\":\"https:\/\/joblistnigeria.com\/standard-chartered-bank-nigeria-current-job-opportunity.html\",\"name\":\"Standard Chartered Bank Nigeria Current Job Opportunity - 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