Strategic Mortgage Risk Director – Singapore

STANDARD CHARTERED BANK; Singapore; On-site; SGD 120,000 - 160,000; Full time

Job summary

STANDARD CHARTERED BANK is seeking a high-impact risk leader to support and manage the execution of the mortgage loan risk management strategy for Singapore and the global mortgage portfolio. The role will directly manage the country CRM function for mortgages in Singapore and align with Group CRM priorities.

Key responsibilities include defining secured lending risk strategy, monitoring portfolio risk, ensuring regulatory compliance, and driving sustainable growth through data-driven decision

Responsibilities

• Define and execute the secured lending credit risk strategy for Group and Singapore, ensuring alignment with the Group risk management framework and approved risk appetite.
• Anticipate and respond to economic, regulatory and market developments through proactive portfolio management and risk mitigation actions.
• Provide insight, analysis and independent challenge to support risk appetite, credit policy and governance decisions.
• Drive sustainable portfolio growth and shareholder value through an appropriate balance of risk and return, supported by continuous enhancement of credit processes.
• Communicate and embed secured lending risk strategy and priorities across Group, country and first-line stakeholders.
• Partner with business and product teams on target market strategies, product propositions and new initiatives to support sustainable and profitable growth.
• Deliver portfolio analysis, forecasting and risk-based challenge to optimise business performance within risk appetite.
• Ensure the capabilities, infrastructure and expertise required to support evolving secured lending business needs.
• Own and maintain secured lending risk appetite, standards and credit policies across Group and Singapore.
• Manage portfolio risk, growth, profitability and asset quality through ongoing monitoring, segmentation and targeted portfolio actions.
• Oversee portfolio performance using analytics, stress testing, early-warning indicators and risk assessment frameworks.
• Translate risk appetite and risk-return objectives into effective underwriting policies, portfolio strategies and credit decisions.
• Provide subject matter expertise throughout model development, implementation and monitoring to ensure continued relevance and effectiveness.
• Challenge collections strategies, impairment forecasts and remediation actions to address emerging delinquency trends.
• Provide independent oversight and challenge to business and control functions, leading responses to material risk events, policy breaches and emerging issues.
• Report portfolio performance, risk exposures, macroeconomic developments and strategic opportunities to senior management and governance forums.

Job description

STANDARD CHARTERED BANK is seeking a high-impact risk leader to support and manage the execution of the mortgage loan risk management strategy for Singapore and the global mortgage portfolio. The role will directly manage the country CRM function for mortgages in Singapore and align with Group CRM priorities.

Key responsibilities include defining secured lending risk strategy, monitoring portfolio risk, ensuring regulatory compliance, and driving sustainable growth through data-driven decision