Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Oversee complex credit risk in securitisation and asset-backed finance across global markets.
- Company: Join Standard Chartered, a bank making a positive impact for over 170 years.
- Benefits: Competitive salary, flexible working, generous leave, and wellbeing support.
- Why this job: Be at the centre of high-value decision-making and shape strategic underwriting.
- Qualifications: Expertise in securitisation and strong credit risk judgement required.
- Other info: Inclusive culture with continuous learning and growth opportunities.
The predicted salary is between 43200 - 72000 ÂŁ per year.
We’re looking for a seasoned Senior Credit Officer to join our Specialised Finance Risk team within the Corporate & Investment Bank. In this high-impact 2nd Line of Defence role, you’ll oversee complex securitisation and asset-backed finance credit risk across global markets, shape deal structuring, and guide strategic underwriting decisions. If you’re passionate about credit discipline, portfolio management, and delivering trusted risk opinions in fast-moving scenarios—this role puts you at the centre of high-value decision-making.
Key Responsibilities
- Manage credit risk across asset-backed financing, securitisation, warehousing, and traded ABS portfolios.
- Lead deal screening, due diligence, structuring feedback, and independent risk recommendations.
- Review and approve 1LoD credit applications and ratings, ensuring risk appetite alignment.
- Monitor portfolio, identify risks, conduct stress tests, and drive Early Alert actions.
- Present reviews and risk insights to senior 1LoD and 2LoD stakeholders.
- Partner with business teams to meet revenue goals while ensuring credit discipline.
- Strengthen governance, regulatory compliance, policy adherence, and controls.
- Represent Specialised Finance Risk in meetings, due diligence, committees, and forums.
- Support initiatives to improve frameworks, reporting, and efficiency.
- Mentor juniors and build risk awareness organisation-wide.
Skills and Qualifications
- Expertise in securitisation, asset-backed finance, and structured credit (ABS, RMBS, CMBS, CLO, ABF, ABL, warehouses).
- Strong credit risk judgement and decisive opinion under pressure.
- Advanced structuring, financial analysis, stress testing, and portfolio monitoring.
- Translate complex risks into clear recommendations.
- Proven ability to challenge and influence senior stakeholders.
- Strong engagement across 1LoD, 2LoD, and geographies.
- Solid knowledge of credit documentation, underwriting, and regulations.
- Experience managing complex counterparties across regions and assets.
- Insight into market risk, governance, and enterprise risk.
- Experience in policy, control, and portfolio standards.
- Familiar with PRA/FCA requirements and MRT roles.
- Cross-cultural collaboration and global teamwork.
Qualifications
- University degree or equivalent.
- Extensive securitisation, structured finance, or asset-backed lending experience—ideally in investment banking.
- Strong English communication (written and verbal).
- Proven leadership, influence, and independent work contributing to team success.
About Standard Chartered
We’re an international bank, nimble enough to act, big enough for impact. For more than 170 years, we’ve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you’re looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you.
What We Offer
- 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 combine 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 a range of 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.
- Being part of an inclusive and values‑driven organisation that embraces and celebrates our unique diversity across teams, business functions and geographies – everyone feels respected and can realise their full potential.
Senior Credit Officer, Specialised Finance Risk, Securitization employer: Standard Chartered
Contact Detail:
Standard Chartered Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Officer, Specialised Finance Risk, Securitization
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance world, especially those in specialised finance risk. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of securitisation and asset-backed finance. Be ready to discuss your past experiences and how they relate to the role—show us you know your stuff!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values. We at StudySmarter encourage you to check out our website for roles that resonate with your passion for credit discipline and risk management.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way. It shows your enthusiasm for the role and keeps you fresh in their minds—plus, it’s just good manners!
We think you need these skills to ace Senior Credit Officer, Specialised Finance Risk, Securitization
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Officer role. Highlight your experience in securitisation and asset-backed finance, and don’t forget to showcase your strong credit risk judgement. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about credit discipline and how your background makes you a perfect fit for our Specialised Finance Risk team. Let us know what drives you and how you can contribute to our mission.
Showcase Your Achievements: When detailing your experience, focus on specific achievements that demonstrate your ability to manage complex credit risks and influence stakeholders. Numbers and outcomes speak volumes, so don’t hold back on sharing your successes!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at Standard Chartered
✨Know Your Securitisation Inside Out
Make sure you brush up on your knowledge of securitisation and asset-backed finance. Be ready to discuss specific examples from your experience, showcasing your expertise in structuring and credit risk management. This will demonstrate your capability to handle the complexities of the role.
✨Prepare for Scenario-Based Questions
Expect to face scenario-based questions that test your credit risk judgement and decision-making under pressure. Think about past experiences where you had to make tough calls and be prepared to explain your thought process and the outcomes. This will show your ability to deliver trusted risk opinions.
✨Engage with Stakeholders
Since this role involves presenting insights to senior stakeholders, practice how you communicate complex risks clearly and concisely. Prepare to discuss how you've influenced decisions in the past and how you can engage effectively with both 1LoD and 2LoD teams.
✨Showcase Your Leadership Skills
Highlight your mentoring experience and how you've built risk awareness within teams. Be ready to discuss how you’ve led initiatives to improve frameworks or compliance, as this aligns with the bank's values of continuous improvement and collaboration.
