JOB SUMMARY
· Achievement of economic profit, goals, business financial performance, monitoring and control for the credit card business in Singapore. You will work directly with the Head of Credit Cards to drive and support business growth and profitability related to card product management and client lifecycle management for the Affluent card products.
· Lead and manage strategic initiatives to achieve business goals
· Define product roadmap and product market fit for the Affluent cards to remain competitive in the market
· Develop, execute and drive card value proposition, positioning, pricing, targeting, acquisition channels, end-to-end lifecycle engagement strategies and projects
· Manage all aspects of client lifecycle management including acquisition, onboarding, activation, engagement, usage and retention
· Manage the revenue performance for the Affluent card products by tracking and analysing performance and effectiveness of activities to maximize growth and profitability
· Monitor, understand and analyse external conditions and competitive industry landscapes and trends to ensure product and offering meets the client needs while maintaining market competitiveness and product compliance
· Collaborate closely with Retail Analytics team to identify business opportunities and create effective strategies.
· Collaborate with Partnership team to identify strategic partnerships to support business growth
· Collaborate with Brand & Marketing team to ensure effective marketing communication strategies
· Work effectively with internal units – Group Product, Finance, Client Experience, Digital, Risk, Operations, Credit, Legal & Compliance, Technology, Audit
RESPONSIBILITIES
Strategy
· Revenue and Market Share.
Business
· Key business drivers – Card base, spends, activation rate
Processes
· Process improvements and efficiencies.
People & Talent
· Work and collaborate with various internal and external stakeholders.
Risk Management
· Adherence to GPS, ensuring controls and measures are in place to minimise gaps.
Governance
· Understanding of regulatory framework, requirements and expectations.
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.
· Lead to achieve the outcomes set out in the Bank’s Conduct Principles
· Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Other Responsibilities
· Embed Here for good and Group’s brand and values, Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)
Our Ideal Candidate
· 8 plus years of experience in Credit Cards / Banking industry is preferred.
· Knowledge of industry, competitor products/services, acquisition (digital and non digital).
· Strong analytical and profitability analysis skills.
· Strong communication and presentation skills
Role Specific Technical Competencies
· Financial, analytical and problem solving skills.
· Project management skills.
· Presentation and communications skills.
· Team player and self-starter
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
