Role Responsibilities
Overview
· Delivering digital collections experiences to our client base with a keen eye for the future. The role is expected to lead the growth and development of the eCommerce proposition in the cash value chain and the impact on the digital collections value proposition for the future.
Strategy
· Driving the eCommerce agenda that will enhance the underlying Product Fee, float and attract liability balances
· Providing inputs on the development of the wider Cash agenda and develop and drive initiatives under those
· Lead specific initiatives to gain broader market share, support key client implementations from product management perspective, win share of mind, demonstrate subject matter expertise to help teams across regions/countries and support sales and relationship management teams during clients pitch, RFP and mandate processes
· Define future revenue streams in line with the identified new or enhanced product strategy
· Manage both cost and investment of product build, through optimized implementation plans
Business
· Have hands-on execution and driving key product initiatives that will include launching new products in existing and new markets, enhancing existing capabilities and features for Straight2Bank Pay.
· Ability to identify opportunities to enhance the overall product value proposition and experience
· Drive Product Innovations and Commercialisation with Sales, RMs and Country Teams
· Own P&L responsibility for Straight2Bank Pay product offering
· Interact with functional and cross functional stakeholders across Sales, Relationship Management, Product Development, Operations, Technology, Service, CFCC, Risk Functions, DCDA etc on global and country basis to ensure product agenda’s are prioritized and activities are aligned and delivered in line with the Product, Country & Segment Agenda
· Support sales teams via deal engagements, identifying and executing opportunities to drive revenue growth
· Develop /Refresh Client value propositions product collaterals for periodic internal and external distribution.
· Regular learning and awareness sessions with sales/RM to further strengthen bench strength
· Provide product advisory support to Sales and implementation during pre-sales (understanding and defining solutions) and support initial implementation kick-off meetings/ process
· Defining and validating business case requirements in coordination with the Product Development team
· Organize rollout calls with country product managers
· Perform regular market intelligence on competitors’ offering and initiatives. Be market and competitor aware.
· Periodically, analyse the drivers for new trends through external exchanges and regular feedback from sales/ implementation teams/ RMs to ensure continuous relevance of our product solutions to clients
Processes
· Proven knowledge in terms of mapping, designing, and implementing omnichannel integration processes to deliver superior solution, service and sales experiences
· Display awareness and understanding of the Risk Frameworks for Transaction Banking
· Work with risk and compliance on improving the existing framework to facilitate business growth.
· Providing clear business case for justification and investment
Risk Management
· Take the initiative regarding regulatory, reputational, and ethical matters to ensure compliance
· Coach and manage the team in these matters and ensure they are adequately trained in and cognisant of regulatory, reputational, and ethical risks
· Embed in Team culture - the Group’s values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes, and applicable regulations.
· Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate escalation to Regional / Country Banking Heads and Group/governance committees, as appropriate
Governance
· To own and be responsible for the management of the product program and keep products updated with relevant regulatory, market and clients requirements for Straight2Bank Pay
· Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and where required, oversee changes in these areas
· Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role to ensure product compliance.
Regulatory & Business Conduct
· Take personal responsibility for embedding the highest standards of ethics, including regulatory & business conduct within team & across SCB. 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.
Our Ideal Candidate
· 10+ years’ experience in banking industry with 5 years of working experience in fintech or relevant industries.
· Master’s Degree or professional certification or membership is an added advantage
· Deep knowledge of cash management products and good understanding of multinational and local corporate and FI segment client’s needs.
· Experience with owning the entire product lifecycle, from inception to launch and ongoing product management/enhancements.
· Experience working with a leading payments service providers or in the e-commerce/ mobile financial services domain would be an added advantage.
· Proven track record in building and deploying digital products / solutions that have created significant value for customers and contributed to revenue growth.
· Displays challenger mindset and collaboration in engaging, reviewing, revising, or co-creating products and relevant governance frameworks within the organization with a broad range of stakeholders.
· Strong business project management skills, with proven track record of managing multiple projects.
· Strategic thinker with demonstrated ability to drive results and influence without authority across a global organization in a matrix environment.
· Out-of-the-box, innovative thinking coupled with an enthusiastic “can-do” attitude.
· Self-directed and able to find answers and solutions with minimal guidance.
· Strong interpersonal skills with demonstrable very good stakeholders’ management.
· Experience in setting up commercialization plans for products.
· Creative mind and open to feedback and alternative perspectives
· Experience working across multiple markets
· Strong persuasive skills and results-orientation to create win-win partnerships
Role Specific Technical Competencies
· Cash Management
· Product Management
· Project Management
· Communication
· Strategic & Future Thinking
· Analytical
· Leadership and People
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
· Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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, parental/maternity (20 weeks), sabbatical (12 weeks 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
