Wrb Cch, Malaysia

**Job Summary**
- The Wealth and Retail Banking (“WRB”) Country Credit Head (“CCH”), Malaysia at Standard Chartered is responsible for managing the credit risk profile of the WRB client portfolio in Malaysia while supporting business growth objectives. This is the most senior WRB credit approver role in the country that reports directly to WRB Chief Credit Officer, ASEAN and requires broad experience of commercial banking and lending across consumer, wealth management and small-to-medium size business segments.**RESPONSIBILITIES**

**Strategy**
- Align the strategy of the Risk function with business strategy and risk appetite and oversee its execution in Malaysia.
- Contribute to the development of performance management processes, to encourage development of an appropriate risk culture and discipline.
- Embed innovation, digitisation and analytics by defining and actioning the future state analytics operating model.
- Responsible for risk related disclosure to regulators, investors, analysts and rating agencies (such as annual and interim results, Pillar 3 and ensure they are compliant with applicable regulatory requirements.)
- Oversight of collection and recovering amounts owed to the Bank by customers including customers in arrears.
- Represent the Risk function in relevant committees or management forums.
- Inform the development of business plans with the provision of cost and impairment and a balanced judgement on the external environment.
- Supervise the teams to achieve sound management of all aspects of risk in the country.
- Contribute to the development of performance management and remuneration processes, in order to encourage the development of an appropriate risk culture and discipline.

**Key Responsibilities**

**Business**
- Partner with 1LOD to ensure the delivery of WRB strategy, in line with the Corporate Plan and the Risk Appetite
- Communicate the strategic intent and collective agenda for the Function.
- Maintain and develop risk capabilities and skills to meet ongoing business needs and plans

**Processes**
- Responsible for the operational efficiency and effectiveness of the WRB Risk function, including risk management processes, by defining and maintaining an operational excellence agenda for the Risk Function.
- Ensure effective management of operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
- Demonstrate end-to-end ownership of risk management tools and processes.
- Continuously improve the operational efficiency and effectiveness of risk management processes

**People & Talent**
- Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from my team and work in collaboration with risk and control partners.
- Ensure the provision of ongoing training and development of people and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
- Line management responsibility includes setting and monitoring job descriptions and objectives and providing feedback and rewards in line with their performance against those responsibilities and objectives.
- Employ, engage and retain high quality people, with succession planning for critical roles.
- Responsibility to review team structure/capacity plans.
- 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 Risk function from those whose primary responsibility is to maximise short term revenues and profits.

**Skills and Experience**

**Risk Management**
- Oversee the credit risk profile of the WRB client portfolio in Malaysia maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors.
- Exercise supervisory responsibility for the Risk Type Framework Ownership of Credit Risk for Environmental, Social Governance and Reputational Risk, in accordance with the applicable Risk Type Frameworks, polices and standards under the Enterprise Risk Management Framework.
- Ensure any dispensations or escalated approvals related thereto, in accordance with delegated credit authority levels.
- Ensure full compliance with Group Credit Policies and Process Standards at Malaysia country level. Dispensations or any gaps must be well supported and approved on a timely basis.

ues that come to the role holder’s attention.
- 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.

**Governance**
- Ensure appropriate judgement is applied