An'yst, Credit Initiation

Standard Chartered Bank; Pune District; Sur place; INR 1 500 000 - 2 700 000; Plein temps

Avantages offerts par ce poste

Retirement savings and life insurance

Flexible working options

Wellbeing and learning programs

Continuous learning culture

Résumé du poste

Standard Chartered Bank in Pune, India, is hiring for Credit Initiation within Retail Risk Operations. The role focuses on strategy, risk management, and process improvement, ensuring compliance with Group policies and regulatory standards.

The candidate will work with in-country stakeholders, manage credit file quality, and drive efficiency and standardisation across the function. Flexible working options and ongoing learning are offered.

Qualifications

• MBA/CA qualified with minimum 2 yrs of experience.
• English/Hindi required.
• Review files received from lending operations and check file for documentation and compliance.

Responsabilités

• Strategy: Provide inputs shaping the Retail Risk Operations direction.
• Strategy: Collaborate with in-country stakeholders to deliver against Retail Risk Operations initiatives.
• Process: Ensure credit files are processed in line with policy and improve efficiency.
• Governance: Ensure compliance with Group Policies and Standards and update in-country procedures.
• Regulatory & Risk: Lead to embed ethics and conduct and monitor risk controls across Credit Initiation.

Connaissances

Action Oriented

Customer Focus

Decision Quality

Courage

Formation

MBA/CA

Description du poste

An'yst, Credit Initiation

Requisition Number: 65191

Job Location: Pune, IND

Global Grade: Band 7

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 29/10/2026

Posting End Date: 01/11/2026

Key Responsibilities

• Strategy Provide inputs in shaping the Retail Risk Operations strategic direction
• Strategy Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative
• Business Optimise operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.
• Business Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline.
• Processes Ensure that credit files are processed while adhering to the process standards defined by CCO, Retail Clients.
• Processes Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.
• Processes Leverage and build credit assessment infrastructure capability to optimize process efficiency.
• Processes Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
• Processes Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.
• Processes Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.
• People & Talent Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
• People & Talent 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 ensuring that they have effective supervision in place to mitigate any risks.
• People & Talent Employ, engage and retain high-quality people, with succession planning for critical roles
• Risk Management Identify and share industry best practices and work with the businesses for their feasibility and implementation.
• Risk Management Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.
• Risk Management Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures
• Governance Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
• Governance Embed the Group’s values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.
• Governance Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.
• Regulatory & Business Conduct Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Regulatory & Business 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.
• Regulatory & Business Conduct Lead 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.]
• Regulatory & Business Conduct Effectively and collaboratively identify, elevate, mitigate and resolve risk, conduct and compliance matters.
• Regulatory & Business Conduct Serve as a Director of the Board
• Regulatory & Business Conduct Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)
• Internal stakeholders Country Retail Risk Head
• Internal stakeholders RRO Team, Policy Team
• Internal stakeholders Country Business Heads and Product Head, Retail Client segment
• Internal stakeholders In-country governance forums (as may be applicable)
• Internal stakeholders Country Fraud and Collections Heads
• Internal stakeholders Internal IT partners supporting Retail Clients business
• Internal stakeholders HR & L&TD team
• Internal stakeholders Operations, L&C and Customer Experience Management Unit
• External stakeholders Auditors and Regulators
• External stakeholders Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks
• External stakeholders Suppliers, vendors and consultants

Priority Skills

• Action Oriented
• Customer Focus
• Decision Quality
• Courage

Motivations

• Analysis of financial statement
• Analytical skills
• Understanding of the Legal and Technical
• Ms Excel/Ms Word

Qualifications

• Review files received from lending operations and check file for documentation and Compliance
• Risk Analysts to conduct Tele PD or Physical PD as applicable to the case and as defined by the policy
• Manage reworks with lending operations and business for completion of additional requirements
• Review and Validate legal and valuation reports and also arrive at the final eligibility
• Validate banking, Sales turnover and other key financial ratios that are critical for credit decisioning along with pre-booking FRM checks
• Highlight relevant deviations with respect to Policy. Maintain TAT & productivity
• Perform checks on external websites and check for any adverse media coverage or any other negative referencing on clients
• Review of transactions as laid down in the policy along with legal and valuation reports
• Prepare credit approval Memo which adequately covers all critical information that are necessary for decision making by Approver
• Manage empanelled vendors and monitor their TAT, productivity, TPSA and billing related activities
• POA holders to adhere to clauses as specified in their POA (Languages requirement #1)
• MBA/CA qualified with minimum 2 yrs of experience
• English/Hindi

About Standard CharteredWe're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.