Team Head, Credit Risk Management; WRB Secured Lending

RESPONSIBILITIES Strategy

• Execute a comprehensive risk management strategy for retail secured products, ensuring alignment with the bank’s overall strategic objectives.
• Define and monitor the risk appetite for retail secured products, ensuring it is in line with the bank’s risk tolerance and regulatory requirements.
• Align risk management strategies with the overall business objectives and regulatory requirements.
• Continuously monitor and update risk management frameworks to adapt to market changes and emerging risks.

• Conduct thorough risk assessments of all retail secured products, identifying potential risks and developing mitigation.
• Collaborate with business units to integrate risk management practices into product development and lifecycle management.
• Provide risk insights and analytics to support business decision‑making.
• Ensure that risk management practices support the growth and profitability of the retail secured product portfolio.

• Develop, implement, and continuously improve risk management processes and procedures for retail secured products.
• Establish robust monitoring and reporting mechanisms to track risk exposures and the effectiveness of risk controls.
• Ensure that all risk management processes are efficient, scalable, and compliant with internal and external standards.

• Lead and manage a team of risk professionals, fostering a culture of high performance and continuous improvement.
• Ensure the team has the necessary skills and resources to manage risk effectively.
• Identify and develop talent within the team, providing coaching, mentoring, and training opportunities to build a strong risk management capability.

• Identify, assess, and mitigate risks associated with retail secured products, including credit risk, market risk, operational risk, and compliance risk.
• Utilize advanced risk management tools and models to quantify and manage risk exposures effectively.
• Develop and implement risk mitigation strategies and controls.
• Monitor and report on risk exposure and performance against risk appetite.

• Ensure all risk management activities for retail secured products comply with relevant regulatory requirements and internal policies.
• Establish and maintain a robust governance framework for risk management, including policies, procedures, and risk committees.

• 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, accelerate, mitigate and resolve risk, conduct and compliance matters.

• Risk family (P&G, compliance, Legal, Secured CRM)
• Risk Operation team include CO, CI, and Collection
• WRB product team include ML and WML
• ITO

• Secured CRM include ML and WML
• P&G
• WRB reporting team

• JCIC
• CBC
• Appraisal company

Embed Here for good and Group’s brand and values in Taiwan WRB Risk;
Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

• Education:
  
  Bachelor’s degree in Finance, Business, Risk Management, or a related field. Advanced degree preferred.
• Training:
  Comprehensive knowledge of credit risk management principles and practices.
• Understanding of secured lending products and associated risks.
• Continuous professional development in regulatory and compliance requirements.
• Licenses:
  Relevant financial or risk management certifications (e.g., CFA, FRM, PRM) preferred. Any required state or national licenses for financial professionals.
• Membership:
  Participation in industry forums and networks to stay updated on best practices and emerging trends preferred.
• Certifications:
  
  Relevant financial or risk management certifications (e.g., CFA, FRM, PRM) preferred.
• Languages:
  
  Proficiency in English (mandatory).

• Risk…