Specialist Functions Management Trainee Programme 

Finance, Group Technology & Operations (GTO) and Risk are specialist functions.  They are at the heart of the risk management, operational effectiveness, financial management and control architecture of Standard Chartered.

They maintain strong partnerships with the business and frontline teams, whilst ensuring alignment with the Bank’s strategic intent. The leading role they play in these areas has been a key factor in the success of the Bank.  

About the programme

The Indonesia Specialist Functions Management Trainee Programme is a 24 month programme designed to equip you with the fundamentals to accelerate your career. It'll help you attain a leadership position within one of our Specialist Functions, Finance, GTO or Risk. 

At the end of the programme you will have:

  • Detailed understanding of Finance, GTO and Risk and their relevance to the business. You will be exposed to country and business Finance, Personal Banking Operations, Business Banking Operations, Technology, Credit Risk, Operational Risk and Market Risk.
  • People management skills providing you with capability to lead and drive diverse teams of people to meet the Bank’s strategic intent to be the world's best international bank.
  • Business management skills providing you with a broad and end-to-end perspective of the Bank’s operations, with the ability to dive deep into details for problem resolution or strategy execution.
  • Project management skills providing you with the capabilities to define project plans, engage stakeholders, execute, manage resources, lead, analyse and present.

Programme streams

You can select from one of three business streams:

  • Finance
  • Group Technology & Operations
  • Riskp

The programme structure is tailored to the stream you select. Regardless of which stream you choose, you will receive personal career guidance from senior management, and experience rotations. You'll also undergo extensive training to equip you with the relevant skills and knowledge to accelerate your career with us.

It's important to choose the stream which best reflects your skills, interests and ambitions.

Choose from:


The role of Finance is to protect and create value for the Bank.  Finance is responsible for enforcing an exemplary governance and control framework, optimising the Bank’s financial resources (investment, capital and liquidity) and partnering with stakeholders to shape the future and deliver superior financial performance.

The Finance function at Standard Chartered is organised into specialist Country Finance teams and Business Finance teams. Country Finance teams include Financial Control, Regulatory Reporting, Financial Reporting, Capital & Liquidity Management and Tax. Business Finance teams face the business units and support functions.

Group Technology & Operationsshow/hide

The role of GTO is to make the Bank as stable and efficient as it can be. It aims to build a scalable model with the right systems and the right people to respond swiftly to the challenges of tomorrow.

GTO lays the foundation for growth across all of the Bank’s businesses, functions and contributes significantly to the Bank’s strategic priorities. Our ability to innovate in anticipation of new business needs enables the Bank to capitalise on its position in the world’s fastest-growing economies.

Ultimately, we define our role not only as the right partner for the business, but as a real source of competitive advantage. As a Management Trainee you’ll have the opportunity to gain an in-depth understanding of Personal Banking Operations or Business Banking Operations and Technology.


The role of the Risk is to provide rigour to the Bank’s activities.  The aim is to maximise business activities, and therefore our contribution to the economy, whilst keeping risks within allowable tolerances. 

At Standard Chartered risk management is set out in the Risk Management Framework (RMF).  The RMF articulates the principles and approach to risk management and defines the types of risk to be managed.  Standard Chartered defines the risk we are exposed to into ten types and an additional nine sub-types.  This programme will provide you with direct exposure to managing the key risk types of credit, market and operational risk.

Programme structure

The Indonesia Management Trainee Programme is designed to provide you with a combination of theoretical and practical training. 

The theoretical training will largely be conducted through classroom and e-learning.  These will be hosted by the Bank’s experts and involve members of the Bank’s management committee.

The practical training will be conducted through on-the job training and special projects. You will undertake four six-month long rotations during the 24 month programme.  The objective is to expose you to a diverse set of activities performed within the specialist functions. 

Each learning module will be subject to assessment.  

  • Classroom programme to learn fundamentals of Finance, GTO and Risk
  • Rotation programme in the core component parts of the business
  • Technical training delivered by experts in-country
  • Specific project solving real business challenges

Each trainee will go through four, six month rotations selected from the following eight rotation options:

Country Finance
You will learn about the financial control environment, reporting to banking regulators, financial reporting, and the management of balance sheet capital and liquidity. This will include the implementation and operation of policies, procedures and processes for accurate accounting. It will also cover effective financial control, analysis of the strategic impact of changes in accounting rules and regulations, and development of tactical financial management options.

Business Finance
You will experience management accounting, business management information and decision science for the business. This will involve analysis of the past, present and future performance of business units, products and customer segments, and liaison with business stakeholders to develop performance improvement strategies.

Credit Risk
You will be exposed to what makes a good credit customer, different transaction structures and how credit risk can be mitigated.  This will include working with Basel 2 Advanced IRB credit scorecards and models, and researching macro-economic trends and how these impact credit quality. It will also involve working with different Risk functions to determine the linkages between different types of risk.

Market Risk
You will be exposed to how movements in the interest rate and foreign exchange rate can impact on the profitability and stability of the Bank’s balance sheet.  This will include analysing behavioural trends and stress simulations.

Operational Risk
You will learn how to assess the robustness of the Bank’s processes.  This will involve learning about end to end processes required to deliver the Bank’s products, learning the inherent risks in these processes and ways to mitigate these risks.

Personal Banking Operations
You will be exposed to different functions within Personal Banking Operations, such as New Account Services, Account Maintenance Services, and Customer Financial Services. Other functions include Operation Support, Secured and Unsecured Lending Processing Unit with exposure in Credit, Branch Banking or National Sales.  

Business Banking Operations
You will be rotated to different functions within Business Banking Operations, such as Trade, Cash, Client Services Group, Financial Market Operations, Client Coverage, Security Services and Loan Processing Unit. You will also be exposed to Business Banking Compliance, Financial Markets, Transaction Banking or Origination & Client Coverage. 

You will be rotated to different functions within Technology, such as Country Technology Management (Personal Banking, Business Banking, Support Functions and Risk), and Country System Support (Desktop, Branch and Dealing Room). You will also be exposed to Personal Banking or Business Banking Operations.


To complement the on the job learning during rotations you will take part in technical training. This will develop your understanding of the mechanics of different functions within Finance, GTO and Risk.

During the programme, we offer the best opportunity for you to experience international banking and gain exposure to experienced bankers. Work individually and as part of a team is key to the learning process.

You will also be given a combination of more formal technical and skills training:

  • At the start of the programme you will attend one to two weeks of foundation training covering Finance, GTO and Risk.
  • In addition, there will be a minimum of five days of formal technical training during each rotation.
  • This will be supplemented by skills training tailored to the needs of individual trainees.
Career opportunitiesshow/hide

At the end of the programme you will be assigned to a permanent role within Finance, GTO or Risk.  The permanent role is intended to launch your career and will be determined based on your preferences and performance during the programme. High performance will lead to more challenging roles with greater seniority.

Top performers will be offered performance related promotions and critical experiences that will propel their career to the next level.

Application and requirements

The breadth of our work means there is a role to suit everyone. Find out what we're looking for and learn more about the application process.

Entry requirementsshow/hide
  • An undergraduate or postgraduate qualification in any discipline, though related disciplines are preferred (e.g. Business, Economics, Engineering, Finance or Computer Science)
  • Legal right to work in Indonesia
  • No more than two years' work experience
  • Fluency in English; a second language is considered beneficial
Application processshow/hide

1. Online application
The first step is to register online, providing basic information about yourself.

2. Online assessments
Once you’ve registered, you will be invited to complete a series of online assessments. The assessments are conducted sequentially and you will need to complete and pass each one before progressing to the next.

Abstract Reasoning Test
This assessment measures your abstract reasoning abilities, which are important when solving problems and analysing information.

Numerical Reasoning Test
This assessment measures your numerical reasoning abilities in a business context, such as tables and charts typically found in reports and the financial press.

Work-related Strengths Assessment
This assessment examines your personal preferences and the strengths, helping us to understand where you are likely to thrive.

We employ a policy of re-testing. This means we may require you to repeat any or all of our online assessments should you progress to a later stage of the application process.

3. Application
On completion of the online assessments, you’ll be asked to complete the online application, providing additional information such as your academic history and work experience.

4. Final Assessments
Following the submission of the online application form, you will be invited to take part in various assessments designed to further determine your suitability for the programme.

This will include an interview where you will be asked a series of challenging questions about yourself, the Bank, and your reasons for joining. This interview is your opportunity to tell us about your achievements and strengths, and for you to ask us any questions you may have.

5. Final decision
Once the interview process is complete, we will inform you of our decision, typically within 72 hours.


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