Job Summary

We are seeking a Senior Associate, Business Analyst to support the continued enhancement of the Banca platform within Wealth Digital Products and Proposition. The role focuses on analysing business requirements, understanding end-to-end bancassurance journeys and user workflows, documenting functional solutions, and supporting delivery of technology initiatives that improve client, frontline, partner, and operational outcomes.

The successful candidate will work closely with business stakeholders, Product Owners, engineers, operations teams, insurance partners, and delivery squads to translate business needs into clear requirements, user stories, process flows, and test scenarios. This role is well suited for candidates with bancassurance, insurance distribution, Wealth Management, digital sales, or financial-services platform experience, together with strong business analysis and stakeholder management skills.

Key Responsibilities

Strategy
•    Support Product Owners in shaping and refining feature scope, backlog priorities, and release plans based on business value, user feedback, and operational needs.
•    Provide domain input on Banca platform journeys, product configuration, policy servicing, partner integrations, and enhancement opportunities to support platform evolution.
•    Use client and frontline feedback, production issues, operational insights, and service metrics to recommend incremental improvements to Banca journeys and workflows.

Business
•    Elicit, analyse, and document business requirements and functional needs.
•    Analyse end-to-end bancassurance journeys covering product discovery, needs analysis, quotation, application, submission, policy issuance, and servicing.
•    Capture business rules, product configuration, eligibility, consent, disclosure, document, and integration requirements across markets and insurance partners.
•    Collaborate with stakeholders to translate business objectives into user stories, acceptance criteria, and process flows.
•    Conduct impact assessments and support solution design discussions.
•    Facilitate workshops and stakeholder interviews to understand business challenges and opportunities.

Processes
•    Support backlog preparation, requirements clarification, and sprint planning activities.
•    Define test scenarios and support UAT, defect triage, and production validation.
•    Support end-to-end and partner-integration validation across upstream channels, the Banca platform, insurer services, and downstream operational systems.
•    Analyse process inefficiencies and recommend improvements to business workflows and user experience.
•    Ensure traceability from requirements through implementation and testing.

People & Talent
•    Work closely with Product Owners, engineers, operations teams, and business users to ensure successful delivery outcomes.
•    Promote knowledge sharing and maintain comprehensive functional documentation.

Risk Management
•    Identify functional, operational, and control impacts of proposed changes, and raise risks, issues, or dependencies in a timely manner.
•    Assess customer suitability, consent, disclosure, data privacy, conduct, and operational-control impacts in Banca journeys, escalating gaps promptly.
•    Maintain awareness of conduct, compliance, and operational risk considerations relevant to product changes and day-to-day delivery.
•    Support timely resolution of defects or change issues that may affect user outcomes, controls, or service stability.

Governance
•    Ensure requirements, testing artefacts, and change documentation meet internal governance, control, and delivery standards, including ESDLC expectations.
•    Maintain accurate and traceable documentation for features, enhancements, and testing outcomes.
•    Ensure delivered changes are aligned with applicable policies, standards, and regulatory obligations.

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.

Key Stakeholders
•    Product Owners
•    Bancassurance product and business teams
•    Insurance partners and integration teams
•    Engineering Lead
•    Domain Tech Lead
•    Agile delivery squad members
•    Business users and stakeholders across bancassurance sales, servicing, and operations workflows
•    Operations and support teams

Skills and Experience

•    Software Product Business Knowledge

Knowledge of and experience with the business aspects and operation of a software product; knowledge of the install base, current uses, future plans, and product vision.

•    Requirements Analysis

•    Knowledge of tools, methods, and techniques of requirement analysis; ability to elicit, analyze and record required business functionality and non-functionality requirements to ensure the success of a system or software development project.

•    Software Change Request Management

•    Knowledge of, and experience with, managing product change requests from customers, prospective customers, vendors, and internal staff.

•    Scrum

•    Knowledge of the principles, components and features of scrum methodology; ability to apply this methodology to manage software product development processes.

•    Release Management

•    Knowledge of activities, practices, deliverables and application release techniques; ability to manage and control the implementation of new or enhanced applications into a production/live environment.

•    Application Delivery Process

•    Knowledge of major tasks, deliverables, and formal application delivery methodologies; ability to utilize these in order to deliver new or enhanced applications.

Qualifications

Education
•    Bachelor's degree, or higher, in computer science, Software Engineering, Information Technology, or a related field (or equivalent experience)

Training 
•    Typically 8 or more years of relevant experience financial services, including 3-5 years in Business Analysis, Functional Analysis, Product Delivery, or Technology Delivery roles.
•    Strong understanding of bancassurance or insurance distribution, including digital sales journeys, needs analysis, quotation, application and submission, underwriting hand-offs, policy issuance, servicing, and partner integration. Candidates with broader Wealth Management, insurance, digital banking, CRM, onboarding, or sales-platform experience and demonstrable exposure to regulated customer journeys will also be considered.
•    Experience gathering and documenting business requirements, user stories, current- and target-state process flows, acceptance criteria, business rules, data mappings, and functional specifications.
•    Experience supporting Agile delivery teams, backlog refinement, system and integration testing, UAT, defect management, release readiness, and stakeholder engagement.
•    Ability to communicate effectively with both business and technology stakeholders.

Technical Skills
•    Translate and articulate technical requirements clearly, ensuring alignment between business needs and technical implementation through detailed analysis
•    Ability to understand system workflows, APIs, partner integrations, data flows, document generation, notifications, and technical constraints, and to collaborate effectively with engineering teams during solution design and delivery.
•    Experience working with Jira, Azure DevOps, Confluence, SQL, or similar delivery and analysis tools.

Languages 
•    Proficient in Business English and Mandarin (written and verbal communication).

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.