Credit Portfolio Analytics

Standard Chartered; Dubai; On-site; AED 440,000 - 551,000; Full time

Job summary

An international bank in Dubai seeks a Regional Head of Credit Portfolio Analytics to lead analyst teams and oversee credit portfolio management. The role includes identifying strategic risks, ensuring credit governance, and collaborating with senior stakeholders. Ideal candidates have a degree, proven financial analysis skills, and extensive experience in risk management and portfolio oversight. The bank offers a competitive salary and various benefits, with a commitment to diversity and inclusion.

Benefits

Competitive salary

Flexible working options

Wellbeing support programs

Annual and public holiday time-off

Continuous learning opportunities

Qualifications

• Proven financial analysis and credit risk management skills.
• Established understanding of ancillary risks (climate, environmental, fraud and reputational).
• Extensive experience in portfolio management.
• Culture carrier with excellent team leadership expertise.
• Ability to influence and challenge senior stakeholders.

Responsibilities

• Lead CPA analyst teams and strategically manage credit portfolios.
• Identify and mitigate credit risks in coordination with stakeholders.
• Oversee and ensure high standards of credit governance.
• Manage credit analysis and support business growth objectives.
• Engage with senior stakeholders and enhance team culture.

Skills

Financial Analysis

Credit Risk Management

Portfolio Management

Leadership

Education

Degree educated

Job description

JOB SUMMARY

The Regional Head of Credit Portfolio Analytics ("CPA") within the Syndicate & Portfolio Management ("SPM") will lead the relevant CPA analyst teams in the specific region.

RESPONSIBILITIES

Strategy

• Bring strategic thought and vision as to how the sector landscape is changing and where areas of growth lie – contribute to the global view and specific to the region managed.
• Contribute to formulation of CIB’s strategy and 5-year Corporate Plan and its successful execution in the region by dynamically and appropriately risk managing the respective loan portfolios, minimizing loan impairments, supporting revenue growth, recycling capital and maximising ROTE.
• Proactively identify / bring to the attention of key business and risk stakeholders emerging strategic risk and assist in devising strategies in reshaping businesses to mitigate these – contribute to the global view and specific to the region managed.

Business

• Oversee CIB portfolio in the region and for establishing and maintaining an end to end understanding of client needs and steering the client relationships to facilitate achievement of revenue aspirations across the portfolio.
• Proactively managing and mitigating credit risk (monitoring and analysis) in the portfolio in close co-ordination with Coverage, Product teams, Risk, SPM teams and other stakeholders.
• Provide oversight and ensuring a high standard of credit governance and quality of analysis. In addition, the analyst teams assess and monitors all enterprise risks including operational risk, market risk, reputational risk, fraud risk and climate risk.
• Assist in driving policy/process/platform change as well as adoption of new technology like AI to continuously improve productivity levels.
• Contribute to managing the impact from regulatory and accounting changes.

Processes

• Proactively manage / monitor the overall CIB client assets portfolio across all products in the region to minimize risks, ECLs and maximize risk adjusted returns.
• Partner coverage and product bankers in pursuing client strategies through proactive idea generation, support in client pitching and implementation of account strategy.
• Ensure appropriate deal structuring & post deal monitoring so that transactions are in line with regulatory / policy requirements and meet client needs.
• Support business growth and actively participate in the underwriting and credit assessment of new and existing clients.
• Contribute to CPA MT meetings and other relevant forums in the regions.
• Partner Risk through proactive and considered discussion of key risk aspects in the portfolio managed by the team.
• Ensure that industry and product knowledge is continually developed within the team.
• Stay abreast and anticipate the developments of the segments in which our clients operate.
• Provide timely portfolio updates to GH CPA, GH CPM, GH SPM and other key senior stakeholders of the various businesses, risk & other control functions.
• Assist in robust deal selection, conflict resolution and risk management to ensure the business is consistent with the strategy and risk appetite.
• Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure assets in the book.
• Work closely with SAG and the respective product & coverage teams to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions.
• Review structure, timing, pricing to market, and executing the distribution strategies of primary / secondary syndicated loans.
• Distribution of loans in secondary markets for the Bank alongside Loan Syndicate teams.
• Provide loan market intelligence to Coverage and Product partners to enable origination to distribute.

People & Talent

• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the team and work in collaboration with risk and other partners.
• Ensure the provision of ongoing training and development of people and ensure that holders of all critical roles are suitably skilled and qualified ensuring that they have effective supervision in place to mitigate any risks.
• Employ, engage, and retain high quality people, with succession planning for critical roles.
• Responsible to review team structure/capacity plans in the region. Support and work on the execution of the Hub strategy to optimize analyst resourcing in the hubs vis‑à‑vis in country presence to manage costs without impacting quality of delivery.
• Develop robust credit underwriting skills in the team with top quality analysis.
• 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.
• Ensure that performance is measured by reference to performance against the targets agreed on the scorecards as well as conduct and risk / control culture.
• Commit to diversity and inclusion principles in hiring approach.

Risk Management

• Ensure that a governance control framework and policies/procedures are in place to make all employees aware of and compliant with current bank and local/international requirements and expectations in respect applicable regulation.
• Enforce a culture of risk management, control and governance, and ensure that the team complies with the risk management processes in place.
• Proactively advise and monitor all major risk issues and concentrations. Ensure that risk management matters are subject to direct remedial action and/or escalated, where appropriate to relevant risk committee.
• Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio and take appropriate risk management measures.
• Ensure proactive monitoring of accounts and minimise slippages and loan impairments.
• Monitoring of accounts on full spectrum of enterprise risk.
• Support Compliance Function in communicating effectively internal policies/guidelines and regulatory requirements and proactively alerting compliance issues.
• Risk/Return analysis and optimization of ROTE and PBT.
• Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests, etc.) and support on repackaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (e.g. CLOs).
• Resolve audit and compliance issues in a timely manner.

Governance

• To ensure team compliance with local regulatory bodies and the Bank’s policies as laid down by Group Legal & Compliance.
• Embed the Group’s values and Code of Conduct in the underlying teams to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
• Accountable for escalation and/or other Group governance committees or stakeholders in senior management, risk or control functions.
• Ensure engagement with senior stakeholders - country / regional / global heads (as relevant) to align priorities and proactively address any issues.

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.
• Lead the team 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

• Global Banking, Global Markets, Transaction Services Product Heads and teams
• Markets Sales & Structuring
• Corporate and FI Coverage
• Credit and Portfolio Management
• Risk – Credit, Market etc
• SAG
• COO
• Legal, Compliance, GIA
• Operations
• Bank and Institutional investors, Rating Agencies, Regulators
• Clients/Borrowers

Other Responsibilities

• Embed Here for Good and Group’s brand and values in the team.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

QUALIFICATIONS

Education

- Degree educated

Training

• Proven financial analysis and credit risk management skills
• Established understanding of ancillary risks (climate, environmental, fraud and reputational)
• Extensive experience in portfolio management
• Culture carrier with excellent team leadership expertise
• Ability to influence and challenge senior stakeholders

Role Specific Technical Competencies

• Financial Analysis
• C & I Credit Risk
• Financial Risk Management
• Portfolio Management
• Manage People
• Knowledge of Product Line

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.