Manager, Management Information & Forecast at Standard Chartered Bank Kenya

RESPONSIBILITIES

Strategy

• Support the Country Credit Head (CCH) and Head Policy and Governance in tracking and reporting the target risk appetite boundaries for Consumer, Private and Business Banking and monitor proposed remediation plans in collaboration with respective segment risk heads.
• Support CCH and Head Policy and Governance in providing country input for the expense and impairment forecast, including the Corporate Plan process. 
• Overall management of Management Information process including Regulatory Reporting and Bureau reporting, compliance to the standards, Portfolio Quality Review and data quality management.
• Support regional / entity level risk management reporting, stress testing and other associated tasks.

Business

• Compilation of accurate & timely management reports for Consumer, Private & Business Banking (CPBB) Assets including Group, Regional and Country reports.
• Credit cost management including tracking and adverse trend analysis – ensures that only costs relating to credit are charged to the unit.
• Supporting and maintaining CPBB assets data warehouse.
• Acting as a responsible person for Risk & Controls Self-Assessment (RCSA) process by ensuring that all assigned task within the framework have been executed.
• Ensuring that the collection liners have been set as per the collection strategy and that they are complete and accurate.
• Carry out market and competitor analysis. 

Risk Management Processes

• Support CCH and Head Policy and governance in the implementation and monitoring of Risk metrics.
• Ensure adherence to the RCSA process in the identification, assessment, mitigation and control and monitoring of risk for the relevant Management of Information and reporting processes.  Ensure sufficient traction and follow through on agreed management actions to mitigate identified risks exposure.
• Manage in-country standards for Loan Impairment, Bureau reporting and Management Information to compliance and alignment.
• Ensure agreed actions to remediate gaps that relate to losses, risk events, policy deviations, Key Control Indicators (KCI), Control Self Assessments (CST) & Key Risk Indicators (KRI) exceptions, are remediated within agreed timelines.  Engage appropriate stakeholders to ensure timely remedial actions and escalation of situations that pose significant risk.
• Participate in key Global programs like BASEL IV, PCI DSS and Innovation / Transformation.
• Support the Stress testing process.

Performance management and portfolio review*

• Support CCH and Head Policy and Governance in the management of loan impairment (LI) forecast for Consumer Private and Business Banking Credit Risk.
• Coordinate the Corporate Plan process and forecast cycle for Consumer, Private and Business Banking Credit risk in line with emerging trends.
• Responsible for overall tracking of expenses and cost forecast for Consumer, Private and Business Banking Credit Risk.
• Manage country Portfolio Quality Review (PQR) and with governance responsibilities such as meeting the Terms of Reference, minutes and action item tracking.
• Responsible for meeting timeliness, quality and consistency of the material being used in the PQRs.
• Provide inputs for country, regional or Group risk committees when required.

Operational Risk and Governance

• Support Country Credit Head and Head Policy and Governance in the implementation of Credit Risk Management Policy Framework requirements for Management Information & Forecasting (MIF).
• Participate in Enterprise Risk Management responsibilities including cross-cutting risk type implementation as may be applicable to MIF.
• Ensure risks of processing failure are actively controlled end to end for MIF.
• Embed the Groups values and code of conduct, as it relates to the role, to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations.
• Engage with relevant audit teams (internal and external) report findings across the relevant functions and ensure feedback is actioned.

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.
• Support the [CPBB Credit team] to achieve the outcomes set out in the Bank’s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal

• Country Credit Head
• Head, Policy and Governance
• Head of Consumer, Private and Business Banking
• Country Finance
• Relevant Risk Framework Owners
• Consumer, Private and Business Banking Segment Business Heads
• Group Internal Audit

External:

• Regulators and Central Banks in the Cluster
• Credit Bureaus
• External auditors
• Economic and Industry Associations in the Region
• CCHs in other financial institutions

Other Responsibilities

• Embed Here for good and Group’s brand and values in [AME-E / CPBB risk / Policy and Governance; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

• Ideally 4 or more years of functional risk experience in the areas of Retail Credit Risk.
• Expertise in other areas of risk is an advantage.
• Appropriate academic training and/or experience in areas of Risk, Statistics, applied mathematics, Finance, Accounting, Economics or a strong quantitative background is desired.
• Good knowledge and grasp of banking practice, financial markets, Basel II and all Consumer Banking lending products, and awareness of the regulatory frameworks by home regulators.
• Functional knowledge of model risk management including for capital and impairments.
• Well versed with Bank's Enterprise Risk Management Framework (ERMF) and overall governance philosophy.
• Reasonable understanding on accounting principles of IFRS9, especially related to Expected Credit Loss (ECL).
• A fair understanding on data structure and the information flow for the risk function.
• A fair understanding of the innovations in banking and well versed with emerging technologies.
• Strong analytical and dispute resolution skills.
• Excellent communication skills- written and oral.

Role Specific Technical Competencies

• Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role.
• Risk Analytic: Strong working knowledge and understanding of risk analytics including scorecards, Basel, stress testing and scenario planning.
• Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.
• Regulatory framework and requirement: awareness and understanding of the regulatory framework in which the firm operates and the regulatory requirements and expectations relevant to the role.
• Ability to prioritise multiple deliverables with demonstrable organizational, project management and time management skills.
• Well versed with various principle and other risk types, its implication of individual and business lending and for overall function.
• Problem Management Process.
• Non-technical Skills: Effective collaborative skills that contribute to positive working relationships with both internal and external stakeholders including regulators and rating agencies.