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Credit Analyst Team Leader - SME ME
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Job ID: 42521
Location: Mumbai, IN
Area of interest: Retail Banking
Job type: Regular Employee
Work style: Office Working
Opening date: 23 Oct 2025
Job Summary
Monitor portfolio quality and facilitate smooth functioning of business with risk
- Ensure timely login
- Co-ordinate for timely approvals
- Train analysts on due diligence
- Ensure adequate BCA quality
- Compliance of regulatory and governance requirements
- Manage portfolio quality through timely completion of QPR, CART, Valuations, UFCE undertakings etc
Key Responsibilities
Credit Process
- Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
- Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.
- Highlighting/Approving breaches of applicable Risk Authorities Policy and Local Lending Policy.
- Undertake regular customer visits to better understand the business environment.
- Maintain Turn-around Time of BCA approvals.
Portfolio Management
- Ensuring compliance with all credit policy and Risk Authorities Policy and any divergence to be appropriately highlighted/approved.
- Ensure EAR process is adhered to and participate in the monthly EAR & ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.
- Support all portfolio related analysis for various reviews initiated within/outside the country.
Business Contribution
- Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.
- Maximizing Economic Revenue and minimizing Economic Loss through effective management of the risk/reward relationships.
- Maintaining credit quality and standards of professionalism for the risk function.
- Ensure effective implementation of Group Policies / Circulars / Procedures.
- Participate actively in any group initiative to improve systems and processes
- Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.
Stakeholder Management
- Actively engage all stakeholders (eg. Business partners) to raise their awareness of credit issues and how these are managed by the Credit Risk function.
- Ensure that Credit Risk decisions are transparent and supporting rationales are explained in a professional and courteous manner, especially when turning down proposals.
Operational Risk Management Assurance (ORMA)
- Ensure compliance to the ORMA framework (self-assessments, KRIs, KCSs, etc) and reporting.
- Ensure full awareness of all the policies & procedures issued in relation to money laundering prevention. Ensure compliance with these policies & procedures on an ongoing basis and immediately report any deviations to the Supervisor
Others
Live by values and brand promise 'Here for Good'.
Live by values and brand promise 'Here for Good'.
People and Talent
- Managing a Team of 24 Credit Analysts and work closely with them which enables monitoring of portfolio quality
- Lead through talent and build the culture and values.
- Ensure ongoing training and development
- Employ, engage and retain high quality talent
Risk Management
- Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
Governance
- Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
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 work to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
Internal
Internal
- Risk
- CRC
- Audit
External
- As and when necessary
Qualifications
- Substantial experience in the banking industry, including demonstrated success in a similar role.
- Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
- Ability to work with geographically dispersed and highly varied stakeholders
- At least 10 to 15 years of relevant experience in lending to SME’s / Mid Corporates preferably in West
Skills and Experience
- Risk Understanding
- Relationship skills
- Negotiation skills
- Stakeholder Management
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 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:
- Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
- Flexible working options based around home and office locations, with flexible working patterns.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
- A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
- Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
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