Job Summary

The role supports both the decision-making and the execution of the strategy across Credit Card businesses in multiple markets. While countries retain P&L Ownership and remain responsible for a control environment (incl. local regulatory engagement), this Credit Card Product Manager role would help with analytical and product management work to arrive at optimal delivery of the strategy  (risk analysis, operational  engagement, market insights etc.), engage with local stakeholders to align to a market agenda, support on decision-making, including risk strategies and control issues.

Strategy
•    Leads the Installment program single-account economic value added and portfolio P&L models, identifies opportunities for interest revenue / fee revenue / cost optimization & develops execution strategies. 

Business
•    Supports execution by engaging with analytics and finance teams for modelling, operations teams and third parties for fulfilment, one delivery team for tech / experience changes.
•    Works with one delivery team / tech teams to deliver improvement to customer digital jounreys including back book migration journey.
•    Market monitoring to ensure product competitiveness as well as early identification of opportunities and threats.
•    Develops and analyses campaign liaising with country product and segment teams,   analitycs team as well as analytical centre of excellence.

Processes
•    Tracks and optimizes cost of acquisitions across various channels, supports the front-end engagement as necessary.
•    Supports market portfolio run-off programs as well balance sheet optimisation through line management, usage campaigns and installment x-sell
•    Supports campaign criteria creation, analytics team engagement, database validation.  

People & Talent
•    Leads by example, sets appropriate tone & expectations from teams (incl. cross-functional stakeholders in other markets), and works with partners’ alliance/support. Ability to collaborate cross geographies, functions, and levels.  Respects differences in cultures & opinions to promote an inclusive environment where all can drive towards common goal

Risk Management
•    Risk analysis incl. direct engagement with 2LOD to arrive at recommendations on optimal Risk Management decisions. Supports Credit Risk Tests (CET) development.

Governance
•    Manages implementation of key policies, standards, regulations and country scheme mandates
•    Supports regulatory engagement by preparing materials and data as required by country teams.
•    Ensure all processes are carried out efficiently and are fully compliant to internal and external compliance/ regulatory requirements.

Qualifications

• Education:  Degree in Business or a related field
• Experience:
  • Minimum 10 years of experience within the banking industry, with a strong preference for expertise in credit card product strategy, development, and management
• Product Management:
  • Demonstrated experience in product management, with a proven track record of leveraging data and analytics to derive insights and drive decision-making

• Business Solutions:
  • Proven credentials in delivering product and business solutions, with a strong interest in payment technology and innovation

• Leadership & Execution:
  • Strategic thought leadership combined with a bias towards execution to drive initiatives and achieve key results.

• Skills:
  • Strong business acumen and analytical skills.
  • Deep understanding of new technology payment business models and profitability driver
  • Interpersonal, communication, negotiating and influencing skills   
  • Change management, knowledge of bank’s systems and platforms   
  • Understand Risk Frameworks   
  • Understanding Credit Card and Wealth Retail Banking financial model   

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.