Key Responsibilities

Strategy

Development of Fraud Risk models for Retail Portfolios across application, lending and digital.
Developing statistically derived predictive models, perform decision tree-based customer segmentation & profiling analyses, assist business implementation of Fraud Risk models to support Standard Chartered retail businesses across the globe.
Support Fraud Risk analytics related to Retail Portfolios including rules development and augmentation

Business

Processes

Ensure adherence to all internal and external regulations
To embed Operational Risk monitoring as an integral part of the business process. Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management Assurance.

People & Talent

Mentor analysts and provide appropriate advice wherever required during analytics deliverables

Risk Management

Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees

Governance

Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business

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.

Key stakeholders

Skills and Experience

Analytical / Strategic / Conceptual thinking
Ability multi-task between executing a project hands-on along with guiding/overseeing Associate Managers
Attention to detail
Problem solving
Verbal/Written communication
Presentation skills
Self-driven, highly motivated, organized and methodical
Business – Products and Processes
Data Science, Model Development & Analytics
SAS/SQL/Python Proficiency
Manage Conduct
Manage Risk

Bachelors / Advanced (Masters or higher) Degree in Statistics, Applied Mathematics, Operations Research, Economics, Engineering or other quantitative discipline
Good understanding of retail banking / small business / consumer finance products and business life cycles (e.g. sales, underwriting, portfolio management, marketing, collections)
6- 10 years of in-depth experience in hands-on Statistical Model Development in fraud risk for retail banking / small business / consumer finance portfolios
Experience in Fraud Detection Modeling using machine learning algorithms to handle classification data with skewed class proportions
Proficient in statistical programming skills in SAS (preferred) or similar (Python), strong analytical skills and understanding of quantitative and statistical analysis
Hands-on experience in mining data and understanding data patterns
Experience in directly interacting with Business and exposure to international markets will be a plus