Credit Approver

Standard Chartered India; Hyderabad; On-site; INR 1,500,000 - 1,900,000; Full time

Benefits offered by this job

Competitive salary

Flexible working options

Wellbeing support (Unmind)

Continuous learning culture

Job summary

Standard Chartered India seeks a senior leader to oversee underwriting operations, drive efficiency, and manage a cross-functional team of analysts. The role emphasizes adherence to CCPM parameters, regulatory governance, and collaboration with multiple business units to deliver compliant, efficient processing.

The candidate should have MBA Finance or CA with extensive experience, and fluent English and Hindi.

Qualifications

• MBA Finance or CA with 10+ years of work experience.
• English & Hindi proficiency.

Responsibilities

• Lead a team of Analysts for processing transactions within CCPM parameters.
• Oversee underwriting across multiple products and manage key stakeholders.
• Ensure adherence to regulatory and risk frameworks across all activities.
• Drive cost efficiency through process improvements, automation, and hubbing.

Skills

Underwriting Skills

Personal Discussion

Stakeholder Management

Vendor Management

Negotiation Skills

Team Management Skills

Education

MBA Finance

CA Qualified

Job description

Key Responsibilities

• Awareness and understanding of TAT and Productivity of underwriting team with respect to different products. Manage a team of Analysts for processing transactions within the defined CCPM parameters. Handle local investigations for FRM supporting central FRM and GBS.

Strategy

• Awareness and understanding of TAT and Productivity of underwriting team with respect to different products. Manage a team of Analysts for processing transactions within the defined CCPM parameters. Handle local investigations for FRM supporting central FRM and GBS.

Business

• Awareness and understanding of the multiple products, various stakeholders and the market in which we operate.

Processes

• Maximize the opportunity to reduce costs without compromising controls through hubbing, automation and streamlining of processes. Ensure Standard E2E processing and decisioning flow including AIP capability is in place for ALL products.

People & Talent

• Strengthen the RRO organisation, address capability gaps and refresh development. Drive and continuously Employee engagement. Manage a team of Analysts for processing transactions within the defined CCPM parameters.

Risk Management

• Strengthen discipline in adherence to processes and standards and ensure country procedures aligned to Group standards. Fully engage in initiating and driving the programme of embedding a risk culture. Strongly reinforce lessons learnt from control failures and suboptimal risk decisions.

Governance

• Improve the effectiveness of the reviews / meetings / forums to achieve precision in identifying key vulnerabilities and speed in mitigating emerging risks. Ensuring unit is always following OR guidelines. No surprise findings in GIA, Regulatory and Peer Reviews.

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.
• Effectively and collaboratively identify, elevate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• CI Team, CO Team, Business Teams, Policy Team, Product Team, Collection Team, Branch Team, CCU Team, Legal & Compliance Team, Bank empaneled external vendors

Skills And Experience

• Underwriting Skills
• Personal Discussion
• Stakeholder Management
• Vendor Management
• Negotiation Skills
• Team Management Skills

Qualifications

• MBA Finance or CA Qualified with 10 Yrs of work experience
• English & Hindi

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.