Key Responsibilities

Strategy*

o    Drive the WRB Product Accounting agenda for Wealth and Retail Banking products, ensuring accurate revenue recognition, P&L accounting and product financial reporting.
o    Identify and address risks to P&L accuracy, product accounting outcomes, balance sheet substantiation and external reporting disclosures.
o    Strengthen governance, control and reporting frameworks through standardised processes, disciplined review routines and clear accountability.
o    Review product financials, variances and key drivers to provide commercially meaningful commentary for senior management and stakeholders.
o    Promote continuous improvement in product accounting processes, controls and analytics to support scalable, accurate and decision-useful reporting.

Business*

o    Build strong commercial understanding of WRB business models, product economics, customer propositions, market drivers and risk characteristics.
o    Partner with Business Finance, Product teams, Country Finance and GCFO India Controllers to translate product performance, revenue trends and P&L movements into clear senior-management commentary.
o    Support revenue recognition accuracy by understanding product features, fee structures, amortisation, valuation drivers, accounting treatment and relevant IFRS requirements.
o    Use analytics and product knowledge to identify unusual revenue, cost, margin or balance sheet trends and ensure timely investigation and remediation.

Processes*

o    Partner with Business Finance, Product, Country Finance and GCFO India Controllers to deliver accurate WRB product accounting, reporting and financial control outcomes.
o    Run month-end and quarter-end reviews covering P&L accuracy, revenue recognition, product financials, balance sheet substantiation and variance commentary.
o    Ensure reconciliations, substantiation, journals, adjustments and key reporting controls are completed on time, with exceptions escalated and remediated promptly.
o    Embed Group policies, financial control standards, ACG requirements and governance expectations into day-to-day processes.
o    Support risk reporting, process simplification, automation, transformation and new product/change reviews to strengthen control sustainability and reporting efficiency.

People & Talent*

o    Lead by example and promote a culture of ownership, accuracy, transparency and timely escalation across product accounting and financial control activities.
o    Build capability in WRB product accounting, revenue recognition, commercial analysis, risk management and governance through coaching, knowledge sharing and structured development.
o    Set clear expectations for quality of review, business commentary, control evidence and stakeholder engagement, and provide timely feedback aligned to role objectives

Key Responsibilities

Risk Management*

o    Interpret WRB product financial information to identify accounting, reporting, revenue recognition, valuation, operational and control risks. Ensure that appropriate controls, reconciliations, substantiation, escalation mechanisms and remediation actions are in place to protect P&L accuracy, reporting integrity and compliance with Group standards.

Governance*

o    Ensure appropriate governance is followed across product accounting, reporting, transformation and change initiatives. Represent WRB Product Accounting in relevant governance forums, support prioritisation of control and reporting enhancements, and ensure changes to products, systems, processes or operating models are assessed for accounting, revenue recognition, P&L, risk and control impacts.

Regulatory & Business Conduct*

o    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
o    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.
o    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
o    Lead the [country / business unit / function/XXX [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.] * 
o    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders*

o    WRB Business Finance and Product teams
o    Country Finance and Regional Finance teams
o    GCFO India Controllers and GFS teams
o    Risk, Compliance, Operational Risk and Governance forums
o    External Reporting, Financial Control, Product Control and Audit teams
o    Technology, Change and Transformation teams supporting WRB reporting and controls

Other Responsibilities*

Embed Here for Good and the Group’s brand and values across WRB Product Accounting. Perform responsibilities assigned under Group, Country, Business or Functional policies and procedures, including support for product governance, accounting policy implementation, financial control remediation, audit readiness, reporting transformation and other activities required to maintain accurate, well-controlled and commercially relevant product financials.

Qualifications

EDUCATION 

    Minimum 8 years of experience in financial control, product control, product accounting, operational risk.
    Experience in Wealth and Retail Banking product accounting, revenue recognition, P&L review or balance sheet substantiation is preferred.
    CA / CWA / CPA / ACCA or equivalent professional qualification preferred.
    Strong understanding of product accounting, IFRS reporting principles, revenue recognition, journal controls, reconciliations and financial control frameworks.
    Exposure to SAP and PSGL reporting tools and finance data environments.
    Commercial understanding of wealth and retail banking products, including structured products, derivatives, equities, fixed income, managed investments, insurance, cards, mortgages and deposits.
    Ability to interpret product financials, identify P&L and balance sheet drivers, investigate variances and communicate business insights clearly.
    Strong stakeholder management, communication and influencing skills, including experience engaging senior management, country teams, product teams, finance, risk and audit stakeholders.
    Experience in implementing, monitoring and improving financial control, governance, risk management and audit remediation activities.
    
TRAINING     

Post-graduation / CA / CFA / CPA / ACCA or equivalent, with experience in finance, product accounting, financial control, risk management and reporting.  

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.