JOB SUMMARY

• Act as an agile Product Owner to develop new client journey capabilities, to improve client experience, promote usability and drive client satisfaction.
• To function as the domain expert in projects related to transactions and payments, and support the roll out of related projects from a functionality and capability perspective.
• Standard Chartered Bank is seeking a Product Owner - Digital Banking to drive the vision, strategy, and execution of our digital banking journeys. In this role, you will work closely with cross-functional teams, including technology, design, and business stakeholders, to enhance customer experience and deliver innovative digital solutions. You will own the product backlog, prioritize features based on business value, and ensure seamless delivery in an Agile environment.
• The ideal candidate has a strong background in retail banking, digital channels, and Agile product management, with expertise in mobile banking, internet banking, payments, and customer experience enhancement. You should be data-driven, customer-centric, and adept at navigating complex banking ecosystems.
• 10+ year experience and proven knowledge in the customer interaction channels, especially Mobile Banking, Online Banking, ATM, Interactive Voice Response, Wearables or any other digital channels or devices.
• 10+ years in Agile as a Product Owner (or a similar role), strong skills of maintaining and prioritizing a backlog.
• Deep understanding of industry trends and client needs, ability to create a value proposition and a squad vision.
• Strong business acumen.
• Demonstrated track record of leading teams to deliver objectives.
• Previously coached and mentored team members with regular feedback sessions.
• Previously defined product requirements and development roadmap based on functional expertise.
• Strong prioritization and analytical skills to manage backlog for the squad. 
• Strong communication skills to synchronize tasks, clarify requirements and delivery expectations with stakeholders.
• Good to have knowledge of design thinking frameworks, user stories, customer experience and journeys. 

RESPONSIBILITIES

Strategy 
The Product Owner:

• Is empowered with necessary business levers to influence real outcomes.
• Is responsible for owning the product journey, vision across the entire product life cycle, from inception, validation, build, delivery, run & iteration.
• Maintains a commercial lens over the product, understand and communicate with relevant stakeholders on the commercial performance metrics and viability of products.
• Is accountable for creating a transparent, clear, and easy to understand product vision. 
• Owns the ‘WHY’ and ensure all members of the squad understand and embrace the vision & mission. The why should be closely aligned to the organization’s overall goals and ambitions. 
• Inspires the squad to continuously thrive in a growth mindset.
• Sets goals for the squad and create actions plans to target.
• Owns, maintains & constantly optimizes the product roadmap & product backlog.  

Business
The Product Owner:

• Leads and embeds a culture of evidence-based decision making.
• Conducts regular design sprints to fill the product backlog with customer validated and business viable features & initiatives. 
• Leverages design thinking and customer jobs-to-be-done frameworks to synthesize and identify themes or opportunities.
• Conduct customer interviews to capture customer voice and verbatim feedback. 

• Where required, produce lo-fi prototypes and conduct usability studies to find resonance with customers.
• Utilize a discovery canvas to bring discovery storytelling to life within a standardized structure. 
• Embeds an MVP culture into the organization, consider how might we test and learn with minimal investment and development.
• Ensures that squad leverages existing investments & where necessary build out technical solutions that are complementary, scalable & cost efficient.

Product Delivery & Execution 
The Product Owner:

• Is responsible for implementing journeys or experiences which maximum business benefit and executing these within timelines and budget.
• Leverages enterprise tools like ADO to manage the sprint and overall product delivery. 
• Align with technology architects on the target solution design to minimize technical debt.
• Leads the squad in defining the functional requirements and non-functional requirements like API response and overall performance.
• Clearly slice the back log into independently shippable experience for customers
• Plans, refines and optimizes the sprint backlog to maximize squad output and remove down time. 
• Clearly defines Definition of Ready (DOR) and along with the scrum master align necessary dependencies to avoid delays, enforce the DOR to avoid rework.
• Defines the Definition of Done (DOD) with the squad and track core efficiency metrics like S2V etc. 
• Reviews testing criteria to ensure product meets the organizations quality standards.
• Is accountable for signing off on the shippable product once it has met DOD (all acceptance criteria) and passed testing standards on functionality and performance. 

• Conducts pre-go-live demos for stakeholders and align necessary support functions to ensure a smooth transition and go-live. 
• Conducts regular retrospective and review sessions to embed a growth mindset where the squad is constantly looking for ways to improve the way we deliver products. Take learnings and share with the wider PO community.
• Manages a well-articulated, communicated and rationalized backlog with adequate funding and commercial support to ensure ongoing growth.

Product Analytics
The Product Owner:

• Clearly aligns squad OKRs & KPIs with stakeholder and senior management, ensure these objectives and targets are well understood and aligned to the nature of your product.
• Communicates and embed the OKRs and KPIs into every aspect of the product life cycle.
• Identifies and maps the data sources required to validate and measure the performance of the features.

• Performs post implementation review with squad, define measurement windows and prepare necessary data & metrics.
• Ensures the data is made available for analytics through collaboration with analytics & data technology teams. 
• Ensures that customer journeys are embedded with the instruments to obtain usability metrics and customer behaviors. 
• Continuously monitor dashboards and reports to feed product discovery sprints

People & Talent
The Product Owner:

• Coaches & mentor squad members to continuously uplift capability  
• Fosters a culture based on trust, psychological safety & collaboration. 
• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.

• Employ, engage and retain high quality people.
• Responsibility to review team capacity plans to ensure capabilities are released as per agreement with stakeholders.

Risk Management
The Product Owner: 

• Is accountable for ensuring compliance and risk adherence of products and services, engage with stakeholders to ensure necessary controls are adhered to and approvals are obtained. 
• Identifies all risks and issues that may impact project viability. Track, manage and report them as per the Bank’s standards. 

Governance

• The Product Owner is responsible for to adherence to Bank policies on Project management, investment, solution design, planning, structure, frameworks. 

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.
• Effectively implement the regulatory requirements from stakeholders.

Key Stakeholders

• Group Digital Banking Management Team
• Country and Region Digital teams 
• Group / Region COO
• Country Wealth and Retail Banking (WRB) Leads
• Group TTO
• Group SC Design Team
• Control Functions – OR, ICS, BRM

Qualification

• Education     Graduate
• Training     Certified Scrum Product Owner (CSPO)
• Languages     English 

Role Specific Technical Competencies

• Business Analysis
• Communication 
• Project Management 
• Product Ownership
   

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.