Job Summary

We are seeking a Product Owner to create and optimize digital sales journeys for our wealth, retail and business banking products. This role is instrumental for achieving business growth through superior digital experience on all digital sales journeys through website and mobile for new and existing customers. The ideal candidate will have a strong background in digital product management, customer experience optimization and digital sales funnel improvement.

Key Responsibilities

Strategy

• Automate business processes with best solution to serve SCB clients. Drive >95% digital onboarding and >90% straight through. Improve efficiency and enhance customer service. Strategically plan and mitigate SCB level Obsolescence for OB.Partner with region and market wise stakeholders - digital, operations, risk, legal & compliance to assess/ improve business processes. Publish strategic approach and solution papers covering- scalability, extendibility and maintainability. Toll gate for SCB Obsolescence (aligned with architecture & technology) 

Business

• Socialize and sell approach/solutions to group, region & markets. Engage Tech to get cost proposal and approve for solutions. Lead Delivery of programs & Implement solution within schedules. Own solutioning and risk mitigation in all areas of Operations, delivery, UAT, interfaces and technical. 

Processes

• Establish testing methods for business apps- automation focused. Own, monitor and measure the benefits of solutions deployed. Review the product backlogs and sign off on MVPs for Markets. Understand the business value / benefit case (revenue, efficiency, saves, risks and regulatory) against each back log and question it. Ensure requirements into system’s parts and other related products with the support of architect & POs 

People & Talent 

• Lead through example and exhibit the appropriate culture and values. Work in collaboration with Country, Technology and Risk and control partners. 

Risk Management

• Responsible for identifying, assessing, monitoring, controlling and mitigating risks to the Group. 

Governance 

• Display awareness and understanding of the Operational Risk Framework for Retail Banking. Responsible for identifying, assessing, monitoring, controlling and mitigating compliance risks pertaining to process changes 

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.
•    Guide the team to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] * 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation].
[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
•    Serve as a Director of the Board of [insert name of entities]
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders

• Country, Group, Technology and Operations

Other Responsibilities

• Embed Here for good and Group’s brand and values in team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); 

Skills and Experience

• AGILE
• Product Owner Certification
• SQL

Qualifications

• Bachelors or Masters in Business or relevant degree. Understanding of Retail Banking systems, processes and risk management.
• Experience in Business Process Management (BPM) is a plus, but not essential. Strong communication skills to manage key stakeholders and senior business leaders expectations and to resolve conflicts/issues. Change Management expertise and ability to manage dependencies across multiple initiative, projects and programs.

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.