Job Summary
The role is accountable for shaping and driving the strategic direction of a Hive, ensuring multiple squads and journeys deliver cohesive outcomes that align with both Group and Domain priorities. They hold delegated authority to align backlogs, resolve cross-squad dependencies, and steer delivery governance to maximize value at scale. Their core ethos is to connect strategy to execution – making informed decisions that balance business priorities, customer value, and long-term capability uplift, while fostering collaboration and continuous improvement across the Hive.
Key Responsibilities
• Accountable for translating Group and Domain strategy into Hive outcomes by aligning product roadmaps and squad delivery to customer journey, regulatory standards and business priorities – ensuring measurable value and continuous improvement across the Hive.
• Ensure the Hive’s purpose, mission, and value contribution to Group strategy are clearly understood by Product Owners, squads, and stakeholders.
• Mentor and coach Senior Product Owners, and Product Owners, uplifting product ownership capability within the Hive.
• Drive alignment to the One Delivery model, enabling consistent customer experiences, optimized capacity, and delivery efficiency across all squads and Hive.
• Embed Hive strategy into product roadmaps and squad backlogs that map to the end-to-end customer journey and regulatory requirements, driving cohesive, compliant and value-driven delivery across the Hive.
• Shape and prioritize Hive’s backlog and drive outcomes, ensuring squad roadmaps contribute to domain strategic outcomes and organizational scorecard priorities.
• Provide transparency on Hive’s delivery, measuring and communicating outcomes against OKRs, scorecards, and benefit realization metrics.
• Align investment and strategic direction across functions, ensuring collaboration across different Domains, and different Hives.
• Oversee delivery progress across squads, resolving cross-squad dependencies and risks to enable cohesive end-to-end outcomes.
• Anticipate and address systemic organization impediments that constrain productivity, quality, or timely delivery across the Hive.
• Act as the primary point of contact for senior business leaders, technology partners, and external stakeholders on Hive’s priorities and outcomes.
• Foster culture of continuous improvement, innovation, and agile mindset across squads and stakeholders.
• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
Product Leadership, Engagement & Strategy
• Champion the voice of the customer
• Maintains a clear, compelling “north star” for the Hive, and ensure it evolves in response to market shifts, customer insight, and internal feedback.
• Take ownership of the Hive purpose by ensuring each member fully understands and embraces the Hive’s vision & mission
• Instil a high-performance culture and true “self-organizing” team by empowering the Squad, celebrate achievements, learning from review/feedback and conducting retrospective for continuous improvement.
• Drive an outcome-over-output mindset squads by encouraging squads to focus on customer value and measurable results.
• Empower Product Owner to make decision for their squad within guardrails defined by compliance, architecture, regulatory, and standards.
• Create a psychological safety, trust, an environment where innovation and candour are valued.
• Invest in the growth of Product Owners through coaching, peer learning, and capability building so that Hive’s maturity and consistency improve over time.
• Actively build relationships with key stakeholders i.e. Domain Lead, Engineering Leads, Domain Tech Lead, Solutions Architect, UI/UX designers, Business stakeholders to influence outcomes
• Translate Group’s and Domain’s strategy into actionable backlogs that coordinate squad effort and Hive’s trade-off.
• Ensure that strategic investments include non-functional priorities (security, performance, resilience) , regulatory compliance, and technical health.
• Accountable for ensuring compliance and risk adherence of products and service, engage with stakeholders to ensure necessary controls are adhered to and approvals are obtained.
Product Discovery and Experimentation
• Champion and integrate a culture of evidence driven decision making
• Foster culture of safe-to-fail experimentation, where squads are encouraged to test, learn, and adapt without penalty.
• Encourage technical discovery studies to maximize existing investments & where necessary, develop complementary, scalable and cost-efficient technical solutions.
• Encourage cross-domain learning to enrich product discovery phase.
• Establish continuous discovery and experimentation as a core Hive practice, embedding it into ways of working across squads.
• Ensure discovery insights and outcomes are translated into strategic roadmaps and shape long-term Hive direction.
• Allocate capacity and resources for testing critical assumptions before committing large-scale delivery investments.
Product Delivery and Execution
• Champion continuous improvement at Hive scale, leveraging retrospectives and insight to uplift delivery maturity.
• Maintain oversight of Hive backlogs, ensuring squad priorities align to strategic outcomes, resolve dependencies, and meet governance standards.
• Ensure transparency of delivery flow, surfacing risks, dependencies, and bottlenecks across squads at Hive level
• Mandate and govern delivery standards, including engineering practices, testing consistency, and non-functional requirements.
• Align squads on synchronized planning and delivery cadences, driving cohesion and predictability across the Hive.
• Define and track Hive-Level delivery metrics, holding squads accountable for value delivery, quality, and timeliness.
• Safeguard compliance, risks, and architectural requirements, embedding them into delivery as non-negotiables.
• Promote incremental, outcome-driven delivery, encouraging smaller, testable releases that accelerate feedback and reduce risks.
• Ensure all squads embed both Change Delivery Standard (CDS) and Group’s Enterprise Software Delivery Lifecycle (eSDLC) throughout the lifecycle of the product or service.
Product Analytics and Benefit Realization
• Define and monitor Hive-level benefit metrics and OKRs, ensuring delivery outcomes translate into measurable business and customer value.
• Establish governance for benefit realization tracking, embedding consistent methods for measuring impact across squads and initiatives.
• Ensure investments decisions are informed by data, requiring squads to demonstrate expected benefit upfront and validate them post-delivery
• Promote transparency of value delivery, providing senior stakeholders with clear reporting on realised benefits versus planned outcomes.
• Continuously adapt Hive strategy based on insights, using product analytics and benefit data to refine priorities, redirect investments, and maximize long-term impact.
Technical Capabilities and Excellence
• Champion technical excellence by defining and governing Hive-wide engineering and architectural standards, ensuring modularity, scalability, interoperability, and alignment with Group Technology strategy.
• Sponsor and protect capacity for technical debt remediation and refactoring, ensuring sustainable delivery alongside feature build.
• Establish Hive-level mechanism to monitor technical health, using metrics such as system performance, incident occurrences, resilience, and maintainability.
• Encourage innovation under guardrails, allowing squads to pilot emerging tools and technologies while ensuring compliance and scalability.
Key stakeholders
• Domain Leads
• Domain Tech Leads
• Engineering Leads
• Technology Chapter Area Leads
• Production Engineering Chapter Area Leads
• Solution Architects
• PO Chapter members & Leads
• UI/UX Designers
• Business Stakeholders
Domain Knowledge
SME Digital On boarding
• Scope & Purpose
• This domain covers the end to end digital on boarding experience for Small and Medium Enterprise (SME) clients, including:
• Cross border CN–HK/CN-SG corridor account opening for Mainland incorporated entities and HK /SG entities with operating presence.
• Domestic and cross border multi currency current accounts for everyday business use (payments, collections, payroll, trade).
• A modular AML/CDD capability that scales across CN, HK, SG, IN, MY and key SME markets and supports jurisdiction specific controls while maintaining a consistent “One Delivery” experience.
• The objective is to deliver friction light, compliant, and data driven journeys that reduce time to cash, strengthen risk controls, and enable straight through processing where permissible.
Customer Segments & Use Cases
• SME Legal Forms: Limited companies, partnerships, sole proprietors, start ups, foreign invested enterprises (FIEs), Wholly Owned Foreign Enterprises (WOFEs), and offshore holding structures with operating subsidiaries.
Primary Journeys:
• Domestic digital on boarding with multi currency account set up.
• Cross boarder corridor on boarding (e.g., Mainland entity seeking HK account, HK entity expanding into CN) including cross border documentation and data sharing consent.
• Trade oriented SMEs requiring LC/BG lines and collections products alongside current accounts.
• Platform enabled on boarding via partner ecosystems (accounting platforms, B2B marketplaces) leveraging APIs and pre verified data.
Core Journey Stages (E2E)
Pre onboarding discovery & eligibility
• Country and corridor eligibility, entity type, sanctioned geographies/persons screening (pre screen), beneficial ownership complexity scoring.
Digital application
• Structured data capture (company, directors, UBOs, business nature), document upload, eSignature where allowed consent for data use & cross border transfer.
Identity & business verification
• Company registry validation, director/UBO identity verification, proof of business activity (invoices, contracts), address verification.
Risk assessment (AML/CDD/KYC)
• Name screening, PEP/adverse media checks, sector/geography risk, source of funds/use of account, anticipated activity volumes.
Decisioning & account set up
• Tiered approvals, account number issuance, multi currency wallet creation, channel access (online banking), limits & entitlements.
Activation & instrumentation
• First payment, API/host to host setup, virtual account assignment, alerts & dashboards, onboarding NPS/CSAT capture.
Post onboarding monitoring
• Early life transaction monitoring (ELTM), trigger based reviews, periodic KYC refresh, cross sell (cards, FX, trade)
Technical & Integration Architecture (Hive Guardrails)
Micro journey services:
• Identity & Registry: market specific registry connectors.
• Screening: centralized engine with local lists & overrides.
• Risk & Decisioning: explainable scores, policy artifacts, audit trails.
• Document Intelligence: OCR + authenticity checks, tamper evidence.
• Accounts & Currency: product configuration, limits, entitlements.
• API first design: Partner ingestion (accounting platforms, marketplaces), pre fill and validation.
• Data residency & privacy: Store PII within market boundary where mandated; tokenize and minimize replication across borders.
• Observability: Journey telemetry, drop off analytics, SLA monitoring, dependency heatmaps across squads.
KPIs & OKRs (Benefit Realisation)
• Time to Open (TTO): Median & 90th percentile (by market & corridor).
• STP Rate: % of applications with no manual touch.
• CDD Cycle Time: Average time from submission to decision for standard vs EDD cases.
• Activation Rate: % accounts with first transaction within 7/30 days.
• Alert Precision: % of alerts leading to SAR/escalations; false positive ratio.
• NPS/CSAT: Onboarding satisfaction; issue to resolution time for exceptions.
• Benefit Metrics: Cost to Serve reduction, revenue per SME (12 month), FX utilization, cross sell conversion.
Compliance & Governance
• Embedding Group Standards: CDS and eSDLC in all squads, with jurisdictional control points defined in backlog stories.
• Change Management: Local regulatory updates translated to policy pack changes, smoke tested, and rolled via feature flags.
• Audit Readiness: Central repository for policy versions, decision logs, reviewer notes, and evidence packs; immutable records retention per market.
• Continuous Improvement: Quarterly retros for false positive tuning, document list rationalization, and UX simplification; publish journey health scorecards.
AI-driven conversational banking digi
Qualifications
Requirements & Skills
• Experience in global diverse organisation in building overall capability and technical expertise for 8+ years
• Have a good understanding of digital on-boarding
• Experience in industry bench marking for technical skills
• Experience in identifying skill gaps and mitigate risks to deliverables
• Bachelor’s degree in business, Finance or a related field (or equivalent experience)
• Previous experience as a Product Owner or similar role in banking product delivery using agile framework
• Customer-centric mindset with a passing for delivery high-quality products that meet or exceed customer expectations and drive business value
• Strong understanding of Agile principles and methodologies, including Scrum, Kanban, or Lean, and experience working in agile development teams
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams, stakeholders, and customers
• Analytical mindset with the ability to prioritise competing demands, make data-driven decisions, and adapt to changing requirements and priorities
• Leadership qualities with the ability to influence and motivate team members, foster a culture of innovation and collaboration, and drive results in a fast-paced environment
• Knowledge of product management tools and techniques, such as user story mapping, personas, MVP, and other product roadmap development
• Familiarity with SDLC processes and methodologies is a plus
• Strong problem-solving skills and a proactive approach to addressing challenges and overcoming obstacles in product development and delivery
• Relevant certifications to demonstrate expertise and commitment to the field e.g., PSPO I, PSPO II, CSPO
Skills and Experience
• Tech Debt
• Software Product Delivery
• Enterprise Change Delivery
• Digital Transformation
• Portfolio Management for Retail Bank
• Project Management
• Influencing Through Expertise
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.
