Manager, Deposit & Mortgage Management

Strategy

• WRB Product

Business

• Deposits and Mortgages

Risk Management

• Work with Country Finance Liquidity and Regulatory Reporting Team to develop a new platform for selection of RML eligible for seeking Contingent Term Facility under the HKMA Liquidity Facilities

Governance

• Lead the Hong Kong Retail Mortgage to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]

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

• Head of Mortgage
• Head of Deposits
• Business Finance
• Mortgage Sales
• SPM, Distribution
• Credit Risk
• Country Finance Liquidity and Regulatory Reporting

Other Responsibilities

• Embed Here for good and Group’s brand and values in Hong Kong, WRB, Deposit and Mortgage; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);
• Assist Head, Deposit and Mortgages in achieving the profit target of WRB Deposit and Mortgage Business.
• Work closely with Retail Finance for budget planning and financial performance forecast, identify critical variance and proactively highlight on sales performance that may have adverse impact on the top revenue line
• Monitor funding cost movement and assist Head, Mortgage to explore possible alternatives to improve funding and liquidity charges of Deposits and Mortgage Book
• To work closely with Mortgage Product Team and appointed vendor to maintain the Mortgage Pricing Tool for frontline to make instant pricing decision and tracking for post approval review by Regulatory and Internal Audit
• Work with GFS / RA for periodical analysis on deposit and mortgage portfolio trend, customer value, etc.
• To participate in the industrywide Stressed testing and financial crisis recovery planning related to mortgage and deposits business.
• Work with Country Finance Liquidity and Regulatory Reporting Team to develop a new platform for selection of RML eligible for seeking Contingent Term Facility under the HKMA Liquidity Facilities
• To participate in the Deposit Customer Behaviour Modelling rebuild project and work closely with the bank’s appointed Consultancy firm.
• Proper coaching and monitoring to staff to ensure their understanding on delegated tasks and no major repeated error will be made.

Qualifications

• Education Degree or Equivalent
• Training Finance or Analytics
• Languages Chinese and English

Role Specific Technical Skills and Competencies

• Business Performance and Financial Management
• Analytic skills
• Excel vba code, sas
• Language : Cantonese and English