Job Summary

The role has regional accountability for driving the strategy, development and performance of Cash, Clearing and Paytech products across the Middle East and Africa, with a primary focus on cross‑border payment flows as Financial Institution (FI) and Paytech client segments. It owns the end‑to‑end product agenda across payments, and transactional FX and correspondent banking, ensuring scalable, compliant and commercially competitive solutions aligned to global standards.

The role leads the origination and execution of cross‑border flow initiatives, including traditional correspondent banking, SWIFT‑based payments and emerging digital payment rails, translating client and market requirements into differentiated value propositions. It acts as the senior product interface for FI, Paytech and Corporate clients, partnering closely with Sales and Coverage teams to support complex client engagements, enable deal structuring and accelerate revenue and balance‑sheet growth.

As a senior Transaction Banking product leader, the role champions investment cases, drives disciplined commercialization, and ensures strong governance, risk and regulatory outcomes across markets. It works in close partnership with Operations, Technology, Risk, Compliance and Legal to protect the franchise, enhance resilience and deliver sustainable growth, while representing the Bank with key clients, industry bodies and regulators and exemplifying the Group’s leadership and conduct expectations.

Key Responsibilities

Build Products 

• Manage cash products including changes, enhancements and replacement, throughout their development life cycle.
• Markets in scope: Primary FI and Paytech growth will be in UAE and Saudi, Role encompasses FI across MEA (Middle East and Africa) , 
• PrismFX growth will be across FI, Paytech and Corporate
• Manage Cross border product and potential the usage of digital assets to facilitate cross border payments and in general digital assets in Payments area.
• To identify and translate market opportunities into enhancement of existing products, in order to generate a profitable business. Includes demonstration of business cases for products, defining features and functionality, P&L projections, and changes required to internal operations and delivery.
• Monitor overall service standards, maintain good relationship to ensure that quality of service to customers remains superior to competition.
• Develop strategies / tactics to gain market share and grow liabilities through new products and existing services.
• Driving launches of product enhancements, new products, as required for Cash. Work jointly with Sales and Marketing to develop collaterals for local market, communicate product launches, organize customer events and develop a sales campaign strategy to ensure that the new products meet planned volume and revenue targets

Connectivity

• Increase client penetration and revenues for the bank by actively building on the bank’s product capabilities
• Plan client events and product launches in conjunction with TB Sales, to ensure that planned revenue and volume targets are met.

Revenue & Drivers

• Complete ownership of client level revenue for cash, including Fees and Volume growth and anciliary balance sheet drivers (liabilities)
• Identify new revenue streams and ideate alternate solutions to uplift overall client and portfolio returns.
• Monitor revenue performance against budget and forecasts. Report critical information on product performance along with replication ideas and/or remedial action.

Skills and Experience

• Proven expertise in Cash Management, with a deep understanding of product lifecycle management and market positioning.
• Working knowledge of back office systems architecture enabling alignment between product development and operational execution.
• Excellent communication and interpersonal skills, capable of engaging with diverse stakeholders including clients, sales teams, and regulatory bodies.
• Strategic thinker with a demonstrated ability to anticipate market trends and proactively innovate.
• Highly organized and adept at managing multiple initiatives concurrently while meeting deadlines.
• A collaborative mindset that thrives in inclusive, diverse, and cross-functional team environments.

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.