Country Credit Head, Botswana

Our business starts with your strengths

About Standard Chartered

We’re an international bank, nimble enough to act, big enough for impact. For more than 160 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

• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

• 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, parental/maternity (20 weeks), sabbatical (12 weeks 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.

• Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you’ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Role Responsibilities

• Inform the development of business plans with the provision of cost and impairment forecasts and a balanced judgement on the external environment

• Contribute to the development of performance management and remuneration processes, in order to encourage the development of an appropriate risk culture and discipline

• Develop/implement and maintain policy, approval process and monitoring for all retail credit activities.

• Contribute to bank’s profitability by ensuring sound credit decisions and implementing credit decisions and implementing effective credit appraisal procedures which takes into consideration credit risks.

Business

• Communicate the strategic intent and collective agenda for the Function

• Maintain and develop risk capabilities and skills to meet ongoing business needs and plans

• Managing collections, recoveries and litigation processes to optimize recovery of overdue payments and cash flow from provisions.

• Support business in penetrating new market segments and business areas.

Processes

• Supervise all processes where a member of the Function is the identified first line process owner

• Ensure effective management of operational risks within the Function and compliance with applicable internal policies, and external laws and regulations

• Continuously improve the operational efficiency and effectiveness of risk management processes

• Establish standards and approval procedures for introductory sources.

• Profit optimization through improved management strategies and better authorisation rates.

People and Talent

• Employ, engage and retain high quality people

• Define an organisation structure aligned and scaled to the risk control needs of the Function, balancing Group & local requirements as necessary

• 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

• Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits

• Ensure the provision of ongoing training and development of the Function’s people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles

• Lead through example and build the appropriate culture and values within the Function and across the wider organisation

Risk Management

• Assess the credit risk profile of the Retail Clients business and maintain alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors - Initiate, at least annually and with guidance from Group specialists, a stress test and scenario programme, review the results and assess their implications

• Initiate stress tests as required by internal and external factor and review results and assess their implications

• Ensure that effective management response plans are in place to respond to extreme but plausible scenarios

• Uphold the integrity of risk/return decisions, by challenging business and control function heads to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite

• Direct appropriate response to material events or other risk issues that come to the role holder’s attention

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Ensure risk identification, measurement and modelling capabilities are objective, consistent and compliant with applicable regulations

Ensure that material risk exposures and related issues are reported to the responsible governance committees

Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the jobholder, taking account of concentration risk across sectors, geographies and markets where applicable. Assign risk authorities to suitable named individuals in line with their skills and judgement

Design, maintain and effectively communicate risk control parameters across the Retail Clients business, including policies, control standards, risk exposure limits and other control levers in order to maintain the business’s risk profile in line with the Group’s risk appetite

• Maintain a good understanding of the requirements of key external stakeholders in respect of credit risk management and ensure these are well understood internally and reflected in internal procedures

• To uphold the integrity of operational risk/return decisions, and in particular for ensuring that operational risks are properly assessed, that risk/return and control cost/ benefit decisions are made transparently on the basis of proper assessment, and are controlled in accordance with the group’s standards and its risk appetite. • • •

Governance

• Incumbent will be responsible for building a culture of good conduct

• 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.

• Lead the function 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

• Retail Country Business Head

• Country CEO

• Local business teams

• Regional / Country Chief Risk Officers

• Local functional teams

Our Ideal Candidate

• Market Knowledge: Suitable experience at a reasonably high level in the banking industry, including demonstrated success in a similar role.

• Business Strategy and Model: Strong business acumen. Reasonable experience with investment products and leverage strategies (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.

• Risk Management and Control: Demonstrated track record in managing risk in geographically dispersed and highly varied product base.

• Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework, in which the firm operates, and the regulatory requirements and expectations relevant to the role.

• Non-technical Skills: Strong relationship management experience – with external stakeholders, including regulators.

• Degree level academic/professional qualifications such as Associate of the Institute of Financial Services (Aifs), HNC in Business Studies, International Diploma in Compliance, MBA

• All role specific mandatory and developmental Bank training, and mandatory regulatory/compliance Bank training.