Assistant Manager - Lending Operations

Standard Chartered; Karachi Division; On-site; PKR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Flexible working options

Wellbeing support

Learning culture & development

Job summary

Standard Chartered in Karachi is seeking an Operations Checker to ensure end-to-end processing of Personal Loan and Mortgage Finance requests in line with policies, DOIs, and regulatory requirements. The role emphasizes accurate data entry, secure handling, and timely archiving of lending documents.

Responsibilities include maintaining audit trails, managing queues, archival liaison, and enforcing MIS security and risk controls to support high-quality customer service.

Qualifications

• End-to-end processing of Personal Loans and Mortgage Finance.

Responsibilities

• Maintain complete and accurate records, system remarks and audit trails for all processed transactions.
• Monitor work queues and pending items, follow up for missing information, and escalate discrepancies to the checker/supervisor as required.
• Manage Liaison work related to Archival and Vault Management within Turn Around Times (TAT) & 100% accuracy.
• Act as a backup for staff on leave or in contingency as per backup schedule.
• Ensure MIS is encrypted and stored securely; timely removal of data from shared drive.
• Update the Manager on sources of errors and delays, and take appropriate action.
• Assist in coordinating, facilitating, and promoting understanding of operation risk within Lending.
• Establish and ensure adherence to Service Level Agreements with internal departments.
• Maintain healthy interdepartmental relationships with peer units.
• Identify and share best practices to implement standardized, automated processes—capture data once, reduce non-value-added activities, and minimize TAT.
• Ensure timely completion of control self-assessments and risk indicators.
• Ensure day-to-day operational controls are in place.
• Review exceptions and take appropriate action.
• Aim for high productivity and service quality to improve customer satisfaction.
• Manage processing from cost/benefit/risk/service perspective.
• Ensure compliance with DOI, policy, regulatory controls.
• Improve service quality as reflected in customer satisfaction and complaint tracking.
• Provide efficient services meeting agreed service standards for stakeholders.
• Follow State Bank regulations and Group policies; ensure audit readiness.
• Align work with Management Manual, Procedure Guides, and customer service standards.
• Complete any other tasks, MIS, reporting and projects assigned by Manager.

Job description

Job Summary

Ensure end-to-end processing of Personal Loan and Mortgage Finance requests in strict adherence to approved policies, Departmental Operations Instructions (DOIs), process notes, product programs, and regulatory requirements. Perform operations checker activities for loan booking with accurate data entry and secure management, logging, control, and timely archiving of all lending and collateral documentation.

Ensure end-to-end processing of Personal Loan and Mortgage Finance requests in strict adherence to approved policies, Departmental Operations Instructions (DOIs), process notes, product programs, and regulatory requirements. Perform operations checker activities for loan booking with accurate data entry and secure management, logging, control, and timely archiving of all lending and collateral documentation.

Key Responsibilities

• Maintain complete and accurate records, system remarks and audit trails for all processed transactions.
• Monitor work queues and pending items, follow up for missing information, and elevate any discrepancies or exceptions to the checker / supervisor as required.
• To manage the Liaison work related to Archival and Vault Management within Turn Around Times (TAT) & 100% accuracy.
• Acts as a backup for staff on leave or in any contingency as per department’s backup schedule and contingency plans.
• Ensure that department related Management Information System (MIS) should be encrypted and place at secured shared folder. Timely remove of all unnecessary data placed at shared drive.
• Ensures that the Manager is updated on the sources of errors and problems, including delays with completion of work so that appropriate action can be taken.
• Assist in coordinating, facilitating, and promoting understanding of operation risk, and in implementation and management of operational risk within the Lending.
• Establishes and ensures adherence of Service Level Agreement with key internal departments to manage effectively and efficiently relationships with them.
• Maintain a healthy interdepartmental working relationship with peer units.
• Identifies and shares best practices with Manager with a view to implementing standardized, simplified and automated processes – capturing data once, minimizing non value-added and duplicated activities, reducing TAT, maximizing paperless processing & deskilling of activities.
• Ensures timely completion of key control self-assessments and key risk indicators.
• Ensures day-to-day operational controls are in place.
• Ensures all exceptions are reviewed and appropriate action taken.
• To achieve high productivity and process efficiency thereby resulting in improved service quality and a high level of Customer Satisfaction.
• To effectively manage the processing from a cost/benefit/risk/service perspective.
• To ensure total compliance with laid down norms in terms of complex risk, credit policy, documentation, operational risk and other Group / Regulatory control standards
• To constantly improve upon service quality as measured through customer satisfaction scores and customer compliant tracking / resolution.
• To ensure that efficient and quality services are provided to both internal and external stake holders that meet or exceed agreed service standards.
• Ensure that DOI, Accounting Treatment, Group Policies, Compliance & State Bank regulations are followed.
• Ensures that the work performed in accordance with Management Manual, Procedure Guides, the agreed customer service standards, operational risk requirements and State Bank regulatory controls.
• Ensure to complete any other task, MIS, reporting and project assigned by Manager and Unit Head.
• Ensure that audit requirement is met as per Group policies, and procedure.
• Assist in coordinating, facilitating, and promoting understanding of operation risk, and in implementation and management of operational risk within the unit.
• 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.

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.