Job Summary

• Techno-Functional Product Owner ideal candidate will have a Strong mix of business acumen and technical expertise in the field of credit scoring and credit bureau integration across retail, private,  business banking. This role requires collaboration with WRB Platform & Domain & Development Organization.

Key Responsibilities

Strategy
• Design and execute the product roadmap for credit scoring and credit evaluation
• Align the credit evaluation and scoring solutions with regulatory requirements, industry standards and business objectives.
• Stay updated on emerging trends in credit evaluation models and government credit scoring agencies across markets
• Aim to consolidate the functionality and API standards for credit bureau integration across markets.

Business
• Act as a bridge between business and technology teams, ensuring clear and actionable product requirements.
• Collaborate with internal stakeholders to gather requirements.
• Work with external market specific credit bureaus and approved vendors to enhance the credit bureau solution.
• Ensure adherence to regulatory compliance, risk mitigation and governance policies

Processes
• Responsible for the overall delivery of initiatives and incremental changes for credit bureau and credit scoring capabilities
• Align to the eSDLC process and ensure delivery compliant to the eSDLC process

• People & Talent
• The role is not a people leader role however the role involves coordination between multiple parties 
• Work Closely with credit ops team, peer Product Owners, Engineering Lead, Security and Chapters to define and implement Solutions.
• Work with 
• Collaborate with cross-functional teams for successful implementation and deployment of credit scoring and bureau applications

Risk Management
• Act as the risk control owner under the Group’s risk management framework at the appropriate level.
• Ensure that bank is not exposed to risks due to credit bureau reporting and regulatory changes by achieving on-time delivery

Collaboration and Alignment:
• Work Closely with credit ops team, peer Product Owners, Engineering Lead, Security and Chapters to define and implement Solutions.
• Collaborate with cross-functional teams for successful implementation and deployment of credit scoring and bureau applications

Innovation & Continuous Improvement:
• Stay updated on emerging credit evaluation regulations across markets.
• Foster a culture of innovation by driving modernization initiatives and continuous improvement strategies.
• Align technical solutions with the organization long-term technology vision and business goals.
• Leverage automation CI/CD and Sec Devops practices to improve software development efficiency. 

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.
• Lead 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.] 
• Serve as a Director of the Board 
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders
• Hive Lead
• Credit Ops team, country business
• DTL, Engineering Leads

Qualifications

• Education-B TECH or BE or MBA grade in Computer Science/ Information Systems or related IT Area; 8 to 16 Years

Skills and Experience

• API, API design
• Rules engine
• Micro services
• RDBMS data base design

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.