Job Summary

Define and drive global product strategy, innovation roadmap, and digital transformation for Mortgages across WRB Group.

Key Responsibilities

Strategy
•    Lead the development of the Mortgage strategy in line with the overall WRB strategy, working with Group, Country and Regional counterparts 
•    Work with markets to ensure execution of key strategic priorities and transformation programs

Business
•    Oversee the financial performance management of the Mortgage business including setting and tracking KPIs; and review / challenge of budgets, forecasts, risks and opportunities.
•    Maximize customer-level profitability by deepening relationship of our mortgage customer base and putting in place cross-sell and portfolio management actions.
•    Lead the research, development and roll-out of new product constructs across key markets
•    Establish roadmap and lead the digitization agenda of the mortgage business; including setting, management and tracking of key delivery outcomes
•    Identify opportunities to improve pricing and margin management and work with the markets in executing the agreed actions.
•    Manage key Group-level projects and put in place the required project management discipline to ensure timely, on-ground execution.

Processes
•    Lead the process simplification agenda as part of, and foundation to, the digitisation roadmap
•    Proactively identify process chokepoints and work with countries to simplify; continuously work towards achieving best-in-class client experience with measurable outcomes 

People and Talent
•    Maintain strong relationships with key Group, functional, regional and country stakeholders; and foster a conducive working culture

Risk Management
•    Facilitate setting of Global risk appetite and metrics; articulate and propose global risk parameters 
•    Identify and execute agreed credit risk enablers in the mortgage portfolios across markets

Governance
•    Own, develop and maintain all key product governance documents and guidelines, including managing on-going dispensations 
•    Lead implementation of or particulate in the roll-out of key global regulatory programmes and requirements

Regulatory and 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.
•    Lead the Group Mortgages team to achieve the outcomes set out in the Bank’s Conduct Principles
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

•    Country and regional product and segment teams
•    Group functional partners – Legal, Compliance, Operational Risk, Credit Risk, Digital, Distribution, Retail Analytics, Finance

Our Ideal Candidate

 •    A results-driven professional with 12+ years of experience in financial services and proven track record in similar leadership capacity. 
•    Ability to define and drive global product strategy, innovation roadmap, and digital transformation for Mortgages 
•    Sound knowledge of Wealth & Retail propositions and products  
•    Excellent communication skills with the ability to influence outcomes
•    A thought leader with a strong grasp of emerging technology trends 

Role Specific Technical Competencies

•    Banking Products and Services Development
•    Customer/Market Focus
•    Knowledge of Sales Channels
•    Product Development Strategy
•    Profitability Analysis
•    Budget Management

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers