Job Summary

•    Lead the end-to-end management of cross-border customer journeys and payment products lifecycle, delivering competitive, customer-centric, commercially sustainable and well-controlled payment solution.
•    Drive delivery with Technology partners for new initiatives and enhancement across the full product lifecycle, from opportunity assessment, customer requirement through solution design, governance, implementation, launch and post-implementation review.
•    Drive payment adoption, maximise cross-selling opportunities and strengthen CASA stickiness to support customer engagement and sustainable portfolio growth. 
•    Release Readiness: Drive product release readiness through effective UAT management, defect prioritisation, risk identification, stakeholder coordination and post-implementation validation. 
•    Operational and Business Readiness: Ensure end-to-end operating process, procedures, controls, hand-offs, customer communications and frontline readiness are established and remain effective throughout the product life cycle. 
•    Stakeholder Management: Lead cross-functional engagement across product, technology, delivery partners, Operations, Frontlines and Risk Stewards. 

Key Responsibilities

•    Strategy Execution: Ensure alignment of payments services to WRB strategy. Leverage knowledge of local payment rails and switches, industry trends, consumer preferences and competitor landscape – including financial institutions and fintech disruptors – to keep the Bank’s product propositions competitive
•    Client experience and growth: Commercialise payments portfolio by identifying growth opportunities, driving digital adoption and ensuring flawless service delivery by managing the product roadmap, engaging country and group stakeholders across business, delivery, technology, operations and risk teams
•    Governance: Ownership of 1LOD risk management as well as partnering with relevant Risk Framework Owners, Business Risk Management and 2nd Line of Defence teams at country and group levels to manage risk, implement controls and ensure adherence to the organisation’s Enterprise Risk Management Framework (including internal policies and standards), regulatory requirements and industry standards. This includes proactively identifying and escalating key issues to relevant forums for group-level oversight and governance
•    Management of 3rd parties: Act as primary country interface with external payment ecosystem stakeholders - payment rails (WRB specific and local domestic rails, as applicable), switches global payment networks and local payment networks, as applicable); actively participate in scheme/rail forums, drive alignment on rule changes and initiatives, and ensure country-level reporting, compliance, and operational requirements are effectively implemented Lead the end-to-end product management of cross-border payment products and customer journeys, delivering competitive, customer-centric, commercially sustainable and well-controlled payment solution.
•    Lead the end-to-end cross-border customer journeys and payment products management, delivering competitive, customer-centric, commercially sustainable and well-controlled payment solution.
•    Drive delivery with Technology partners for new initiatives and enhancement across the full product lifecycle, from opportunity assessment, customer requirement analysis, requirements definition through design, governance, implementation, launch and post-implementation review.
•    Drive payment adoption, maximise cross-selling opportunities and strengthen CASA stickiness to support customer engagement and sustainable portfolio growth. 
•    Release Readiness: support release readiness through effective UAT execution, defect management, risk identification, stakeholder coordination and post-implementation validation. 
•    Operational and Business Readiness: Ensure end-to-end operating process, procedures, controls, hand-offs, customer communications and frontline readiness are established and remain effective throughout the product life cycle. 
•    Stakeholder Management: Engage closely with different Product counterparts, Technology and delivery partners, Operations, Frontlines and Risk Stewards. 

Skills and Experience

Must-have Skills
•    Banking Product - Payment Domain
•    Business Analytics
•    Project Management

Other Skills
•    Risk & Issue Management
•    Incident and Issues Management 
•    Stakeholder Management

Motivations

•    Motivated by delivering customer centric payment journey, high-quality product releases and ensuring changes are thoroughly tested and operationally ready before implementation 
•    Energised by solving complex payment and customer-impacting issues, identifying root cause and driving timely resolution across team.

Qualifications

Key Experiences
•    Product Management /  Cross-border Payment Product / Journey Management

Languages    
•    English and Cantonese 

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.