Head, Wealth Solutions Lending and Mortgages, EMEA and UAE
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Key skills for this role
About the Role
Standard Chartered seeks a Head of Wealth Solutions Lending and Mortgages for EMEA and UAE in Dubai. The role involves developing and executing regional wealth lending strategy, managing mortgage business, and driving portfolio growth.
Key Skills for This Role
Responsibilities
- Develop and execute a regional Wealth lending strategic plan across Europe, Africa and Middle East markets
- Manage the complete Mortgage Business of Conventional & Islamic banking division across EMEA region
- Conceptualize and introduce new products after assessing market potential and customer needs
- Devise and implement effective campaigns and distribution strategies for EMEA region
- Provide policy guidance and training support to Country Wealth Solutions team
- Represent the Bank with regulatory and government bodies as needed
- Monitor monthly performance across Europe, Africa and Middle East Region and take corrective action
- Achieve portfolio growth and performance targets through management of key financial elements
- Drive portfolio profitability through management of P&L constituents
- Work closely with Risk Management, Collections & Recovery, Credit, Legal, & third parties to maintain portfolio risk
- Develop and implement appropriate rules and guidelines to ensure compliance with legal and risk management requirements
- Lead the product management team and ensure successful delivery of planned objectives
Requirements
- Master's degree in business or equivalent
- Minimum of 10 years of banking experience with Lending / Secured product knowledge (Mortgages, Wealth Management)
- Excellent project management and communication skills
- Good knowledge of banking operations, policies and procedures
Full Job Posting
Job Summary
- Our team consists of 25,000 colleagues, spread across 35 countries.
- We are currently seeking an experienced professional to join our team.
Key Responsibilities Strategy
- Develop and execute a regional Wealth lending strategic plan across, Europe, Africa and Middle East markets with a design to ‘win’ at the country level consistent with the Global Wealth Solutions strategy within approved risk appetite.
- Management of the complete Mortgage Business of Conventional & Islamic banking division with the aim of building a sustainably profitable assets book across the EMEA region.
- Conceptualize and introduce new products on an ongoing basis after assessing market potential, customer needs and competitive product range, in compliance with internal and external regulatory requirements.
- Devise and Implement effective campaigns and distribution strategies for EMEA region, making full use of local expertise and resources.
- Provide policy guidance and training support to the Country Wealth Solutions team on customer suitability, product suitability and treating customers fairly.
- Represent the Bank, with respect to the area of responsibility, acting as an interface with regulatory and government bodies where necessary.
- Involve in active monthly performance monitoring across Europe, Africa and Middle East Region – Spot Areas of underperformance and take corrective action.
- Strengthen SCB in the marketplace as leader of Wealth Lending by delivering and marketing a range of extensive and unique product offerings designed to meet client’s needs across all segments (Retail and Private).
Key Responsibilities Business
- Achieve portfolio growth and performance targets through management of key financial elements including Sales, Interest & Fee Incomes, Cost of Funds and other Costs, Attrition and Provisions.
- Drive portfolio profitability through management of P&L constituents. Capitalize on internal strengths and optimize utilization of resources to strategically drive product uptake and achieve organizational strategic objectives.
- Work closely with Risk Management, Collections & Recovery, Credit, Legal, & third parties (developers and dealers) to maintain portfolio risk at acceptable levels and manage portfolio performance to maximize profits.
- Manage portfolio risk by maintaining prudent lending policies aimed at acquiring from market segments with favourable performance, developing and adopting varying targeting strategies, and by developing effective processes & procedures to minimize risk.
Key Responsibilities Processes
- Develop and implement appropriate rules and guidelines to ensure that all internal and external legal, compliance and risk management requirements are met.
- Review credit parameters and policies, provide feedback to management, suggest and initiate change as and when required to ensure products are competitive, and in line with changing market trends.
- Proactive reviews of policies, processes, and procedures in anticipation of changing market conditions to seize market opportunities and manage risk exposure within acceptable market standards.
Key Responsibilities People & Talent
- Lead the product management team into successful delivery of planned objectives, and set example by upholding key franchise values.
- Continuously provide all the necessary support to ensure optimal employee performance and moral and drive an environment of collaboration, both within the team and across the wider Group, to ensure issues are raised and blockages are resolved in a timely manner.
- Sustain a respectful, friendly, and constructive working atmosphere by encouraging honesty, responsibility, and by empowering subordinates.
- Identify subordinates needs and abilities, recommend relevant training and development programs, and facilitate career growth.
Key Responsibilities Risk Management
- Ensure adequate and appropriate systems and controls are in compliance with Group policies, procedures, standards and codes, including those governing all risk types, compliance, technology and operations and finance.
- Ensure effective implementation of Risk Management framework throughout the organisation.
Key Responsibilities Governance
- Provide oversight across the countries, ensuring compliance with the highest standards of regulatory conduct and compliance practices as defined by internal and external requirements.
- Embed the Group’s values and code of conduct in the region to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.
- Engage with all audit report findings in the countries and ensure feedback is acted upon.
Key Responsibilities 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.
- Lead the Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Skills And Experience
- Business – Products and Processes
- Relationship Management
- Knowledge of Sales Channels
- Wealth Management – Portfolio Management, Investment and Insurance Products
- Wealth Management – Credit Policies
- Retail Product – Mortgage
Qualifications
- Master’s degree in business or equivalent.
- Minimum of 10 years of banking experience with Lending / Secured product knowledge (Mortgages, Wealth Management).
- Excellent project management and communication skills.
- Good knowledge of banking operations, policies and procedures.
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