Michael Jose Email and Phone Number

• Second Line of Defence Lead for Risk Appetite review and challenge, governance and reporting across Risk Types for Hong Kong and GCNA• Responsible for all Risk Appetite Management information to all senior committees including the Board of Standard Chartered Bank Hong Kong • Responsible for the HKMA Prudential Interview for Risk function • Responsible for Asia Risk Committee governance, Horizon risk scanning for Asia CRO office and Asia CRO report to all the senior committees and the Board• Enterprise Risk Management Framework Lead for Hong Kong• Oversight and management of the Risk Governance Hub in Bangalore• Governance and oversight of Risk Policies, Standards

• Stress Test lead for CCIB book for Hong Kong (Consolidated and Standalone)• Portfolio and data reconciliation oversight of CCIB stress test data• Project manage delivery of all stress tests for Hong Kong - ICAAP, Reverse Stress Tests, Regulatory tests• Manage the offshore execution units and Group and technology stake holders• Stress test governance across various Risk committees till the Board risk committee• Key stress tests handled – ICAAP (Hong Kong and Singapore legal entity), SDST (HKMA), Mild Stress Tests (Singapore), Reverse Stress test• Risk Appetite 2LOD monitoring and reporting for Hong Kong and GCNA

Credit Risk | Stress Testing | Risk Management | Policy & Governance| Data & Functional Analytics | Service Delivery | Change Management | Techno-Functional ProjectsI have been with the Standard Chartered Group since 2013 working across divisions and subsidiaries on the Credit Risk, Financial Analysis, Stress Testing . I have managed large teams directly and indirectly and have lead delivery of complex Techno-Functional projects. I am experienced in Credit Risk, Underwriting, Risk policies, Risk management framework, Stress testing procedures. For the past 15 months, I played a prominent role in setting up the Stress Test Hub at Bangalore to support the Global Stress testing operations and onboarding the HK/GCNA region. My competencies are -> Credit Risk , Stress Testing, Risk management, Policies, Governance and Controls -> Lead delivery of data intensive projects such as Stress tests -> Stake holder management (internal, regulatory) including senior stake holders-> Large team management, direct and indirect In addition to my experience with the SCB Group, my experience include similar positions with GE Corporate Finance, Indus Ind Bank and S&P Global Analytics.My academic and professional qualifications include a professional accounting degree coupled with business and leadership certifications from GE Crontonville, WHU- Otto Beisheim School of Management, Germany

• Part of the Large Corporate team responsible for Credit underwriting, Risk management and Portfolio management• Individually handles c.USD 750 mn plus, nil LI portfolio across various industries - IT, Pharma, Metals, Services, Manufacturing, Renewable Energy, Services, Textiles, Cement, EPC etc• Holds individual approval authorityKey Responsibilities • Identify, measure, mitigate the key risks in transactions in compliance with the Enterprise Risk Management Framework of the bank• Ensure timely credit approvals with adequate financial appraisal, due diligence (promoter, counter party, industry, competitor, legal etc)• Ensure regulatory, Credit Policy and Underwriting Standard compliant financing structures and solutions• Ongoing portfolio monitoring, management meetings and credit review of the portfolio• Enhanced monitoring and reporting of assets indicating financial and operational stress• Handle audit, regulatory and governance oversight of the portfolio

Key member of the Large Corporate team. Responsible for credit analysis, deal structuring and Credit appraisals. Handles c. $500 million, nil LI portfolio spread across IT, Pharma, Metals and Manufacturing, Service, Industrials, Textile and Garment industry verticals.Facilitate client’s financing needs and support bank’s growth while ensuring prudent risk management including- Appraisal and structuring appropriate financing solutions using business, financial, industry analysis.-Ensure timely and compliant approvals in line with Credit and Lending policy, Regulatory guidelines.-Continuous portfolio monitoring through covenants, financial analysis and management meetings.Holds individual approval authority to approve temporary credit lines.Handled transactions in excess of $1 billion across Traditional Lending, Structured Finance and Trade Finance

Client Coverage Manager handling an asset portfolio of c. $100 million across 30 plus client relationships.Handled a portfolio with annual income of $5 million plus with focus on cross sell.Ensure regulatory compliance (AML, FATCA and Due diligence) and credit documentation

Credit analyst Team Lead for South India overseeing a team of 3 credit analysts ensuring policy and underwriting standard compliance• USD 600 mn plus portfolio across South India with clients across diverse industries including Infrastructure, Manufacturing, IT, Pharma, Services, Agriculture, Non Banking Finance, Retail, Media, Services, Renewable Energy and Non Banking Finance companiesKey Responsibilities • Oversight of the Analyst team ensuring credit proposals with appropriate financial analysis, risk identification and mitigation structures including covenants.• Continuous portfolio monitoring• Handling of Regulatory and Internal audits including central bank audits, portfolio stress testing, ensuring compliance and legal clearancesNotable transactions and achievements• Recognized with two promotions in four years (Chief Manager to Asst Vice President to Deputy Vice President)• Ensured a stable portfolio with Loan Impairments of less than 0.4%• Part of transactions in excess of USD 1.5 billion across Working Capital, Term debt, Trade Finance, Project Loans (Roads, Airports, and Power), Structured, Mezzanine, Bridge, and Debentures• Notable transactions include - pre-IPO financing Renewable Energy player - USD17 mn; Optionally Convertible Debentures Cement company – USD 18 mn; Listed Debentures Pharmaceutical Co-USD35 mn; Project Lending, Renewable energy–USD25 mn; Syndicated Loan, Waste to Energy Plant – USD 45 mn; Project Finance - Roads, Power, Infrastructure and EPC Projects –USD 300 mn

Risk Manager for the Corporate Finance business for South India specialising in Asset backed finance, Holdco/Promoter finance, Leases, Structured and Leveraged finance solutions for large corporates.Handled c. $ 200 million portfolio with minimum impairment.

Off shore sell side Equity Analyst covering ASX listed Transportation stocks for Deutsche Bank (DB).Research, valuation, industry and peer analysis of stocks for DB’s sell side team in Sydney.

Credit and portfolio manager for Small and Medium Enterprise business of ICICI Bank

Key member of the India-Head Office accounting team responsible for Payables function. Led a team of 12 associates. Responsibilities included accounting, forecasting and budgeting, reconciliations, and vendor negotiations.