Job Summary
Strategy
• Standard Chartered Bank has embarked on an ambitious journey to revolutionize the digital banking by building a truly innovative corporate banking portal that competes not just with the Financial Institutions but also with the new breed of Fintech companies. Digital Channel Solutions is the core team within the bank which champions this vision and is responsible to drive the digitization agenda with our corporate and institutional clients. As the Head for Trade & Lending Digital Channels, you leverage digital and data to support the business objectives of the Trade business. You will work with talented team members across Product Management, Product Development, Technology and client service partners to develop digital channels products and solutions all the way from a conceptual stage to the product launch. You will be required to push the boundaries by bringing in new ideas that will take the Banks’ digital capabilities to the new generation of Treasurers and CFOs.
Business
• You will have a key role in building innovative product capabilities, influence change, commercialize capabilities and enable our global corporate banking platform in 40+ countries. You will be responsible to take the ideas through implementation in Agile Methodology and will lead a team of Product Owners. You will continuously evaluate the ever-changing financial ecosystem and related emerging technologies in collaboration with our technology partners.
Key Responsibilities include
• Ownership of product delivery for digital channels for Trade and Lending; detailing and analysing the existing application features, understanding and measuring client usage and needs, ascertaining business relevance and defining new capabilities and features including execution plan
Key Responsibilities
• Manage and lead a team of product owners – as a people leader you will empower, manage, coach and mentor the team - holding team members accountable for strong performance management practices.
• Work closely with relevant stakeholders and partner in Trade Product Development and Technology to support and enable the end-to-end product development across Digital Channels and Trade.
• Demonstrate deep expertise in digital channels product delivery, covering conceptualization, business requirements, product solutions, meticulous quality checks, deployment and eventually, the customer migration phases of the revamped platform.Demonstrate product proficiency and develop Human centric user interface designs covering critical online banking flows such as transaction initiation, approvals, enquiries, reporting and other supporting flows. Establish strong partnership with User Experience Design, ensuring user journeys are simple, intuitive and adhere to Design Principles.
• Work extensively with UX design, Client Insights & Research and Technology and demonstrate a collaborative approach, creating an environment to enable developing client-driven intuitive and innovative user flows to deliver best-in-class digital channel experience. Create continuous feedback loops with (external and internal) customers to deliver continuous client experience improvements.Exhibit strong techno-functional expertise to enable partnership with internal and external vendor delivery teams to ensure we deliver on the agreed business tasks such as user stories, business flow diagrams etc. Facilitate problem solving as required, working closely with digital channels product owners and technology teams in the design, development and delivery of digital solutions
• Demonstrate expertise in Agile Product Delivery by defining, embedding, and sustaining high-performing delivery ways of working practices (Agile, Product, DevOps) across all Squads in the Trade & Lending Channels Hive. You will partner strongly with Technology and Delivery Coaches on meeting agreed key performance indicators such as squad / hive health, squad / hive maturity, and adoption rate of standard product discovery and delivery practices.
• Engage actively with the product, implementation & client management, legal, compliance, operations and sales teams to create awareness of the new product features and encourage a participative attitude to elicit critical business requirements and ensure overall acceptance of the new process flows and the system functionalities.
• Monitor and manage the resources and timeline of the projectsEngage with relevant teams to establish, measure and analyse key performance indicators (KPIs) for new digital solutions delivered.Partners closely with Trade Product, Client Service, Operations and DCS Go-to-Market teams to identify client needs, adoption barriers, and regional nuances across markets. Synthesises client insights into clear product requirements and standardised solutions, shaping value propositions, rollout strategies, and adoption plans that accelerate client adoption of global, standard solutions across the CIB footprint.
• Assist the program management office in preparing status reports and capabilities document in articulating the key achievements / updates of the program to the senior management teams.
Processes
• Ensure proper check and balance in place according to laid down departmental operation instruction (DOI) when applicable, Control Sample Testing (CST) plans to minimize operational risk
• Collaborate with the wider DCS product and technology teams to execute cross-product delivery, assess downstream impacts across platforms and client journeys, and ensure appropriate controls and remediation are in place throughout the product lifecycle, from new capabilities build to sunset and decommissioning.
People & Talent
• Manage and lead a team of product owners – as a people leader you will empower, manage, coach and mentor the team - holding team members accountable for strong performance management practices.
• As Product Lead for the Trade & Lending Channels Hive, you will partner with your Hive Tech Lead and be responsible for the implementation, and adherence to standard practices for discovery and delivery across DCS Incremental Change Squads in the Hive.
• You will partner with CIB Delivery Excellence Agile Coaching team to maintain a coaching intervention model, cadence, and reporting rhythm for ongoing practice embedding.
Risk Management
• Ensure digital product development aligns to the Channels Governance Framework which sets out the minimum requirements for the design, implementation, and maintenance of digital channels.
• Where material changes are made to existing channels, ensure compliance to process change impact assessment and a technology change impact assessment are completed.
• Partners closely with the DCS risk & governance team on ongoing identification, assessment and management of digital channel risks, including data quality, data privacy, change risk management, technology resilience, and information & cybersecurity risks.
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.
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
• Digital Channels & Data Analytics
• Transaction Banking Trade Product Management
• Transaction Banking Working Capital & Short-Term Lending Product Management
• Client Coverage Long Term Lending Product Owners
• Transaction Banking Cash Product Management
• Financial Markets Transaction Banking FX Product Management
• Transaction Banking Implementations
• Transaction Banking COO
• CCIB Technology
• CCIB COO
Our Ideal Candidate
• 15+ years’ experience with a proven track record of success in digital product development, preferably in the area of Trade Finance and/or Working Capital products & solution
• Skills Proven track record in leading and implementing digitalization and/or transformation initiatives in the Trade space (Documentary Trade, Open Account, Lending), including driving client adoption of digital channels and increasing share of revenue via electronic channels.
• An experienced people leader with an ability to build a strong team, encouraging team members to drive personal career development, including strengthening skills through relevant training, learning and development activities.
• Good understanding of the product development lifecycle using Agile Methodology and relevant prior experience in drafting vision statements, epics and user stories, use case documents, solution papers, business workflow documents and high-level functional flows.
• Deep understanding of the corporate banking domain with a profound ability to conceive and design end-to-end product flows, define interface requirements, identify relevant operational processes and clearly articulate these flows and processes to the relevant business and technology workgroups.
• Prior knowledge and first-hand experience in client co-creation, user experience (UX), user interface (UI) oriented assignments, particularly on fast-emerging touchpoints such as mobiles and tablets as well as the conventional channels such as Web and Host-to-Host.
• A skilled negotiator with an ability to work across all organization levels
• High integrity and personal drive, with a passion for product, technology and services transformation
• Highly experienced in stakeholder management and working closely with global senior leaders, including business product heads, COOs and CIOs
• Effective and positive written and verbal communications especially when acting as a liaison between departments, internal employees/subordinates and clients.
• Ability to create and deliver effective oral and written presentations/proposals up to a senior level of management.
• Comprehensive solution-oriented thinker when dealing with clients, team members, internal functional departments and upper management.
• Ability to effectively manage and motivate matrix resources to attain organizational goals and influence without direct authority
• Strong project management skills including planning, documenting, communicating and delivering the end result on-time
• Experience in a position of broad collaboration, influence and communication in a large organization.
• Excellent teamwork skills preferably with experience of working in teams spread across functions and geographies
• Sense of ownership and pride in your performance and its impact on the program’s success
• Proven experience in leading agile software delivery in techno-functional roles, effectively bridging business and technology teams to drive end-to-end product delivery, prioritization and execution at scale.
• Strong understanding of digital channel related risks, with demonstrated awareness of data risk, change management risk and cybersecurity considerations, ensuring solutions are designed and delivered in line with risk, control and regulatory expectations.
Role Specific Technical Competencies
• Product Management
• Documentary Trade
• Supply Chain Finance
• Working Capital Solutions (Short Term Loans, Invoice Financing)
• Corporate Banking
• UI/UX
• Data Analysis
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. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
Together we:
• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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 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 all sorts 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, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Recruitment Assessments
Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers
