Associate Director Collateral and Liquidity Risk Management, India Hub

Standard Chartered · Banking & Financial Services

Bangalore, India
On-site
Posted today
Finance & Accounting

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About the job

Job Summary

Treasury works closely with senior management, the businesses, Country CEOs / CFOs, and Finance to manage and promote the bank’s liquidity, capital, and balance sheet position. Treasury is laser-focussed on its vision to be “Open, progressive and trusted, working commercially with our partners” to create sustainable value by balancing the supply and demand of liquidity and capital.

Within Treasury (which comprises Capital, Liquidity & Markets), the Treasury Liquidity function is responsible for driving the strategic liquidity agenda and Interest Rate Risk in the Banking Booking (‘IRRBB’).

The Associate Director – Collateral Management and LRM, India hub will support the Head of Liquidity Risk Management in advancing the Group’s balance sheet risk management and cluster collateral optimisation agenda for Liquidity Risk Management (LRM). For LRM, the hub will co-lead to establish and implement an effective framework for measuring and monitoring funding and liquidity risk across the Group and throughout the stress continuum both in BAU to Recovery & Resolution planning (RRP).

Key Responsibilities

Strategy

Collateral Management

Lead the execution, governance, and continuous enhancement of central bank collateral management activities, including Borrower-in-Custody (BIC) programs and loan pre-positioning frameworks (MACCS). The role is responsible for ensuring eligible collateral is accurately identified, validated, pledged, monitored, and maintained in compliance with regulatory and central bank requirements, while coordinating across Treasury, Legal, Credit, Risk and Business teams.

LRM

Support in providing relevant inputs / guidance into Corporate Planning / Funding Planning process to ensure the liquidity risk is adequately captured.

Identify key levers and emerging risks in relation to Group’s funding profile (e.g., due to change in market conditions or regulation) and present tangible and executable options to GALCO.

Identify processes that can be migrated to the India Hub from both Group and Country.

Business

Awareness and understanding of the wider business, economic and market environment in which the Group operates

Support the engagement with businesses on collateral optimisation strategies

Processes

Collateral and LRM

Central Bank Collateral Management: Manage end-to-end Borrower-in-Custody (BIC) and Mobilisation and Administration of Credit Claims (MACCS) collateral processes, including identification, validation, selection and submission of eligible loan portfolios to central banks. Oversee collateral pre-positioning activities under various central bank frameworks and ensure compliance with jurisdiction-specific eligibility requirements. Monitor pledged collateral pools and borrowing capacity, ensuring continued availability of central bank funding facilities. Ensure completeness, accuracy and auditability of collateral datasets, reporting attributes and regulatory submissions. Contribute to strategic initiatives aimed at increasing eligible collateral pools and improving liquidity readiness.

Framework & Governance: Support the ongoing enhancement of the liquidity and funding risk framework, including policies, standards and control mechanisms aligned to ERMF provisions. Help in the maintenance of the Liquidity Risk Policy, Funding Standards and associated governance documentation, ensuring full compliance through self-assessments, RCSA, ORF support, KCI testing and audit readiness. Ongoing monitoring and escalation protocols of limits, while coordinating with stakeholders on new product approvals, GALCO and BRC submissions, annual disclosures and investor relations reporting.

Modelling & Methodology: Support the design, development, and continuous enhancement of the liquidity risk measurement framework, including methodologies and models underpinning key liquidity metrics and stress testing. Ensure models remain robust, data-driven, and aligned with evolving regulatory standards and internal risk appetite, while providing analytical support to validate and refine assumptions across different liquidity scenarios.

Stress Testing & Scenario Analysis: Support liquidity stress testing and scenario analysis, developing and maintaining advanced simulation tools (including TWT) for ILAP, recovery, resolution, and regulatory exercises. Assist in designing and configuring scenarios, running analyses, presenting results, and supporting MAS IWST, ICAP, BoE RST, fire drills, and VIR. Contribute to collateral optimization via active participation in global collateral initiatives.

Regulatory Compliance: Support regulatory compliance through policy interpretation, documentation, and alignment with the Prudential Compliance Framework and attestations. Assist in LSREP submissions, support regulatory and special audits (e.g., Section 166), and engage proactively with regulators through advocacy, consultations, and industry forums.

Liquidity Technology Journey: Contribute to shaping the liquidity technology journey by defining the strategic target state for platforms and consolidating liquidity requirements across the group. Support prioritization, validate system changes, and assist in testing to ensure fitness for purpose. Contribute to the development of the target operating model for liquidity reporting and continuously review reporting processes for efficiency and accuracy.

People & Talent

Be part of a diverse team of skilled and experienced professionals in India.

Partner with Global Account Managers (GAM), Credit Portfolio Management (CPM), Legal, GLS, Treasury Markets and Risk teams to obtain required approvals and validations.

Lead by example in reinforcing the appropriate culture and values of the function.

Contribute to ongoing training and development of team members.

Risk Management

Prepare the collateral schedule and supporting documents and submit to the regulators through Treasury Markets.

Ensure adherence to internal controls, regulatory requirements and policy standards.

Identify operational risks within collateral processes and implement mitigation strategies.

Maintain evidence of key controls and governance activities.

Support development of enhanced control frameworks and operating procedures.

Facilitate governance forums and provide management updates on collateral optimization initiatives.

Oversee enterprise-wide liquidity and interest rate risk in the banking book ensuring alignment with risk appetite and regulatory requirements.

Monitor, measure and manage exposures, set limits, and perform scenario analysis and stress testing.

Maintain robust frameworks, policies and governance, validate models, provide insights for strategic planning and support senior management, GALCO/ALCO and regulators on risk mitigation, reporting and capital optimisation.

Governance

Assess the effectiveness arrangements to deliver effective governance, oversight and controls in the Collateral Management framework and, if necessary, oversee changes in these areas

Understand the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.

Contribute to delivering ‘effective governance’ by actively challenging Treasury / Business / Risk counterparts; and willingness to work with the Prudential Regulatory Authority in an open and cooperative manner.

Regulatory & Business Conduct

See Risk Management section above for regulatory deliverables.

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

Global Treasurer

Treasury Liquidity, Capital, Recovery & Resolution Planning, Issuance, Markets

Regional & Country Treasury teams

Business stakeholders in CCIB, CPBB and SC Ventures

GAM, CPM, GLS and Legal

Financial Planning & Analytics

Country & Business Finance

Various other Finance teams (e.g., Regulatory Reporting, BSA and Disclosures)

Treasury Markets

Treasury CRO

Technology & Change organisation

Regulators

Qualifications

Degree in Finance (MBA) / Economics / Quantitative fields from a reputed institution.

Finance Professionals (Qualified Chartered Accountant) or Certifications like FRM, PRM or CFA is advantageous

8+ years of experience in Treasury, Liquidity Risk, Treasury Markets, Asset Encumbrance, Regulatory Reporting, Collateral Management, Balance Sheet Management, Asset & Liability Management with strong understanding of FTP, Funding & Liquidity Regulation, Balance Sheet & Sources / Uses of Funding from top-tier banks / consultancy firms

Strong understanding of liquidity regulations and central bank liquidity facilities.

Experience with loan portfolios, collateral eligibility assessment or secured funding processes.

Familiarity with banking book and trading book products and their impact on balances sheet, as well as funding requirements that arise from off-balance sheet positions

Advanced analytical and data validation capabilities.

Strong stakeholder management skills with ability to influence senior stakeholders.

Experience managing regulatory processes with significant control and audit requirements.

Experience with process automation, workflow tools and AI-enabled process improvements.

Advanced Excel and data analysis skills.

Ability to scope and conduct data intensive numerical studies and present the results in a concise and clear manner to audiences.

Able to work independently yet a great team player.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

Being part of an inclusive and values driven organisation , one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.

In line with our Fair Pay Charter , we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance , with flexible and voluntary benefits available in some locations.

Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.

Flexible working options based around home and office locations, with flexible working patterns.

Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.

A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.

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