Job Summary

This role could be based in India or Malaysia. When you start the application process you will be presented with a drop down menu showing all countries, please ensure that you select a country where the role is based.

The role holder will be part of the Core Wealth Platform Hive and will be accountable for leading the journey design and implementation of Wealth Cash Account (WCA) product delivery. The role will translate business, product, operations, risk and technology requirements into an executable backlog and delivery roadmap, ensuring that WCA becomes the target wealth settlement and investment account proposition for eligible clients while maintaining strong controls, operational readiness and client experience.

The Journey Lead role will lead cross-functional alignment across Wealth Product, Lending, Operations, Digital Channels, Core Banking, Payments, Credit Risk, Compliance, Architecture and Technology teams. This role requires strong hands-on experience in Wealth Management, lending / overdraft products, account opening and servicing journeys, core banking platforms, client settlement processes and Agile delivery. The successful candidate will be expected to manage complex dependencies across multiple systems and stakeholders, drive prioritization trade-offs, and ensure delivery outcomes are aligned to the Wealth strategy, Hive OKRs and Group risk appetite.

Key Responsibilities

•    Own the WCA product backlog and roadmap, ensuring features are prioritized based on client value, business outcomes, operational readiness, risk reduction and delivery feasibility.
•    Lead journey design include account opening, overdraft set-up, collateral / settlement treatment, purchasing power / limit considerations, servicing, migration and exception handling.
•    Convert business and control requirements into clear epics, features and user stories, with acceptance criteria that are testable and understood by engineering, operations and business stakeholders.
•    Drive alignment across impacted platforms and processes, including T24 / core banking, digital channels, client onboarding, online journeys, payments, credit / limit management, statements, reporting and downstream operational platforms.
•    Ensure the squads have a well-refined backlog with sufficient ready work, removing ambiguity and escalating blockers, impediments and dependency risks early.
•    Partner with Scrum Master, Engineering Lead, Business Analysts and Technology teams to deliver sprint, release and programmed commitments with appropriate governance and transparency.
•    Represent client, RM/CSM, Operations, Product, Credit Risk and Compliance perspectives in backlog decisions and delivery forums.
•    Lead release planning, UAT support, production readiness, operational handover, issue triage and post-implementation stabilization for WCA features.
•    Ensure all required delivery artefacts, controls, risk assessments, testing evidence and assurance deliverables meet Group standards, including NWOWS, CGP and applicable change governance requirements.

Strategy
•    Support the strategic direction of WCA as a simplified, multi-currency wealth settlement and investment account proposition for eligible Wealth clients.
•    Shape the delivery roadmap for WCA lending-client capabilities, balancing MVP delivery, day-2 enhancements, migration considerations and target-state simplification of client account structures.
•    Work with Hive and Cluster leadership to align WCA delivery to Wealth Management priorities, investment appetite, platform strategy and operational resilience objectives.
•    Identify opportunities to simplify client and staff journeys, reduce account proliferation, streamline lending settlement flows and enhance straight-through processing.

Business
•    Maintain strong engagement with Wealth Product, Lending, Country Business, COO / Operations, Front Office, Credit Risk, Compliance, Legal, Digital and Technology stakeholders.
•    Ensure delivery decisions are anchored in business value, client outcomes, risk appetite, operational feasibility and measurable adoption / readiness criteria.
•    Define and manage product acceptance criteria covering customer journey, front-office journey, operational handling, control points, MI / reporting, exception management and communication readiness.
•    Provide transparent status updates to Hive / Domain governance forums, including progress, risks, issues, dependencies, decisions required and delivery confidence.

Processes
•    Design and embed end-to-end WCA client processes covering new-to-wealth lending, existing lending clients, overdraft set-up, collateral / settlement account usage, transfers, payments restrictions and servicing.
•    Partner with Operations and Technology define process controls, exception queues, operational handoffs, reconciliation needs, reporting, cut-off considerations and production support procedures.
•    Drive process standardization and automation opportunities to reduce manual intervention, improve client experience and reduce operational risk.
•    Use data and delivery metrics to monitor progress, quality, adoption, defects, incidents and value realization.

People & Talent
•    Act as a role model for the Group’s values and behaviours, building a culture of client centricity, accountability, transparency and collaboration.
•    Create clarity for squad members and stakeholders by setting clear outcomes, priorities, definitions of done and decision principles.
•    Promote a psychologically safe, high-performing squad environment where risks, blockers and delivery trade-offs are surfaced early.
•    Coach and support Business Analysts and squad members in understanding WCA lending-client journeys, product intend and acceptance criteria.

Risk Management
•    Ensure WCA lending-client delivery is designed and implemented within the Bank’s risk appetite, with appropriate consideration of credit, operational, conduct, regulatory, technology and data risks.
•    Proactively identify, assess, escalate and manage risks related to account opening, overdraft utilisation, collateral treatment, purchasing power, payments restrictions, settlement flows, migration and client communications.
•    Ensure production issues, defects and control gaps are triaged with clear ownership, root cause analysis, remediation actions and stakeholder communication.
•    Partner with Risk, Brand & Marketing, Compliance, Legal, Operations and Technology teams to validate control design and operational readiness before go-live.

Governance
•    Maintain adherence to Group policies, control standards, change governance and delivery assurance requirements.
•    Ensure effective governance over backlog prioritization, scope changes, dependency decisions, risk acceptance, deployment readiness and post-release stabilization.
•    Constructively challenge stakeholders where proposed solutions create unacceptable risk, client detriment, operational complexity or divergence from target-state architecture.
•    Maintain clear audit trail of decisions, assumptions, acceptance criteria, risks, open actions and sign-offs.

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, regulatory and business conduct across the role’s delivery scope.
•    Understand and comply with applicable laws, regulations, guidelines and the Group Code of Conduct, in letter and spirit.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
•    Wealth Product, Wealth Lending and Country Business teams
•    Relationship Managers, Client Service Managers, Front Office and Operations teams
•    Credit Risk, Compliance, Legal, Operational Risk and Conduct teams
•    Core Banking / T24, Digital Channels, Client Onboarding, Payments, EBBS, eSpeed, Order management, Statements and Reporting platform teams
•    Hive Lead, Domain Lead, Domain Technology Lead, Squad Lead, Engineering Lead, Business Analysts and QA teams
•    Architecture, Change Governance, Production Support and Service Management teams

Other Responsibilities
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    Contribute to wider Wealth Core Platform Hive planning, OKR delivery, dependency management and continuous improvement activities.

Skills and Experience

•    Understanding Customer Needs
•    WM Products and Processes
•    Wealth Lending / Overdraft Product Delivery
•    Core Banking / Account Opening and Servicing
•    Business Process Improvement
•    Agile Project Management

Qualifications

•    Minimum 10 years’ experience in Banking / Wealth Management, preferably with exposure to wealth lending, overdraft products, investment settlement, account opening, operations or core banking delivery.
•    Strong understanding of Wealth client journeys across front office, client servicing, operations, credit risk and technology delivery.
•    Experience as a Product Owner, Journey Owner, Business Product Manager, Delivery Lead or Senior Business Analyst in Agile delivery environments.
•    Experience with wealth core banking platforms preferred; experience with digital banking, payments, order management, lending limits or settlement platforms is advantageous.
•    Demonstrated ability to manage complex cross-system dependencies, senior stakeholder expectations and delivery trade-offs.
•    Strong analytical, problem-solving, communication, facilitation and executive-level presentation skills.
•    Excellent attention to detail and ability to translate ambiguous business problems into structured delivery outcomes.

Training, licenses, memberships and certifications:
•    Certified Scrum Product Owner, Professional Scrum Product Owner, SAFe Product Owner / Product Manager or equivalent Agile certification preferred.
•    Project management or change delivery certification such as PMP, Prince2, CSM or equivalent advantageous.
•    Relevant Wealth Management, banking operations, lending, risk or regulatory training advantageous.

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.