Mgr, Portfolio Risk Mgmt

Job ID: 41888

Location: Petaling Jaya, MY

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 29 Oct 2025

**Job Summary**
- Perform Account Monitoring for BWC and WM and ensure portfolio risk management activities are done based on the Group and Country requirements.
- Ensure compliance to monitoring standards for both BWC and WM
- Active participation in periodic reviews with Collections and Early Alert Management teams
- Prepare and review daily monitoring reports under BWC/WM portfolio and ensure effective follow up with Business and Collection on implementation of necessary actions;
- Drive the in-country BWC Account Monitoring Automation project initiated by Group. This include the UAT and UVT, provide feedback, liaise with Project Team in rectifying the error, sign off and ensure its production.

**Key Responsibilities**

**Strategy**
- Ensure WM and BWC Risk Monitoring different types of exceptions are monitored on daily/Weekly/Monthly basis.
- Facilitate identification of the risk and take preventive action to regularize the delinquent account and execute other action like Limit drop / CRG downgrade & handover to Collection team.
- Key activities for WM are shortfall monitoring, good/bad status accounts review, LTV management and impact analysis, collateral lien management, concentration level management, limit excess monitoring, jointly conduct annual renewal and other adhoc activities due to movement in market.
- Key activities for BWC are excess / DPD (Daily Past Due) management, FX (Foreign Exchange) monitoring including MTM, collateral management, monthly ASTAR (Accounts Subject To Additional Review) monitoring and preparation, OPAC (Operation Account) churn and utilization monitoring and BWC Dashboard preparation.
- Implementation of deliverables within the risk appetite framework is delivered in a timely manner.
- Perform gap analysis per group policies and standards and adopt accordingly in-country or obtain dispensation in a timely manner.
- Ensure continuous compliance to all Regulatory requirements which are to be incorporated as appropriately into the policies & standards

**Business**
- Business Banking Portfolio Management covering TTD and portfolio segmentation, collection review, Security Documentation Deficiency review etc.
- Perform Account Monitoring for BWC and WM and ensure shortfall cases/ limit excesses are regularised within timeline
- Ensure compliance to monitoring standards governed by GPN, i.e.: OPAC Churn Rate, Excess and Past Due, ASTAR and etc;
- Active participation in periodic reviews with Collections and pro-actively take necessary remedial action on policies as necessary.
- Coordinating effective ASTAR report preparation, monthly ASTAR reviews and CIC update;
- Prepare and review daily monitoring reports under BWC/WM portfolio and ensure effective follow up with Business and Collection on implementation of necessary actions;
- Drive the in-country BWC Account Monitoring Automation project initiated by Group. This include the UAT and UVT, provide feedback, liaise with Project Team in rectifying the error, sign off and ensure its production.

**Processes**
- Provide Support to CRM, Marketing and Sales Initiatives and Other Support Centers e.g.: Credit Initiation, Collection Operations, and Risk PM&F etc.
- Provide necessary support to front liners in existing and new product initiatives;
- Maintain effective working relationship with Credit Initiation and CRM to seek areas of improvement for KPI measurements on approval rates;
- Support initiatives for periodic portfolio feedback sessions with other department as well as other countries offering BWC/WM products. Learning and best practices to improve current and future activities;
- Work with Group Risk and Country Risk MIS team to enhance BWC/WM MIS for effective account monitoring and portfolio tracking.
- Work with Group and Country stakeholders on the implementation of BWC / WM Account Monitoring Automation project.

**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, escalate, mitigate and resolve risk, conduct and compliance matters.
- Ensure adherence to local regulatory issued by BNM and any governing authority.

**Stakeholder management**
- Credit Risk Management - to provide support to Country and Group CRM teams on meeting the requirements guided in policy and underwriting standards for BWC and WM
- Credit underwriter - Feedback on exceptions noted and key lapses in Credit Initiation processes
- Business Product & Governance Managers - Initiation of