JOB SUMMARY
We are seeking a highly skilled and experienced Director, Mortgage Product to join our team. The ideal candidate will be responsible for leading the development and management of mortgage products, formulating and implementing strategies to drive mortgage business acquisition, and overseeing project management to drive growth and profitability. This role requires a strategic thinker with a deep understanding of the mortgage industry, strong leadership capabilities, the ability to drive innovation and growth and a proven track record of successful project execution.

RESPONSIBILITIES

Strategy
•    Develop and execute the strategic vision for the mortgage product portfolio, ensuring alignment with the overall business strategy
•    Continuously improve the operational efficiency and effectiveness of mortgage processes – DIGITIZE mortgage

Business
•    Lead the design, development, and enhancement of mortgage products to meet market demands and customer needs.
•    Conduct market research and competitive analysis to identify opportunities for new products and features.
•    Develop and manage retail mortgage products to maintain product sustainability and profitability.
•    Support the design and development of new products, processes, services, and re-engineering of existing products.
•    Carry out policy reviews and updates, implement regulatory changes, and adhere to internal guidelines in product engineering.
•    Develop and execute comprehensive strategies to drive mortgage business acquisition through organic growth.  Identify and evaluate opportunities to expand the mortgage portfolio through innovative marketing and sales initiatives.
•    Implement strategies to enhance customer acquisition, retention, and cross-selling initiatives within the mortgage market.
•    Drive acquisition business with pricing approval while ensuring returns align with the bank's strategic intent.

•    Collaborate with sales, Group Product, Country Risk, Operations, Sales, Legal & Compliance, Segment and Marketing teams to develop targeted campaigns and product programs to attract new customers.
•    Manage all product-related communications, including online and offline marketing collateral and internal communications.  Ensure all campaign fulfillments are completed within the agreed timeframe.
•    Devise and conduct performance analysis, market research, and campaign tracking to regularly analyze product profitability.
•    Drive innovation in the mortgage product space, exploring new opportunities and technologies to enhance the product portfolio
•    Provide subject matter expertise and guidance on mortgage products to internal teams and external partners
•    Oversee and manage key projects related to mortgage product development and acquisition, ensuring timely delivery and alignment with strategic goals. Coordinate with project teams to define project scope, objectives, and deliverables.

Processes

•    Support line manage to monitor and manage the end-to-end process of the marketing campaign and promotion program with external partners and all system projects

People & Talent
•    Demonstrated ability to work collaboratively with cross-functional teams and influence stakeholders at all levels
•    Build and lead a high-performing team, providing mentorship and development opportunities to team members

Risk Management
•    Ensure compliance with regulatory requirements and internal policies throughout the product development lifecycle.
•    Identify potential risks related to projects and implement mitigation strategies to address them.

Governance
•    Ensure all mortgage products comply with relevant regulatory requirements and internal policies

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

•    Mortgage Sales team; Mortgage On-Boarding Team; Mortgage drawdown Team; Loan Maintenance Team Mortgage; Client Servicing & Transacting team; Credit Risk Management Team; Business Operational Risk Management team, Legal and Compliance; All tech teams (including Project Management Office team and system support team), Retail Analytics.

Our Ideal Candidate
•    Bachelor’s degree (in Business, Finance, or a related field is preferred)
•    Minimum of 8-10 years of experience in banking industry or related field
•    Experience in product development and driving business acquisition, preferably with proven track record in mortgage product
•    Understanding of product knowledge, industry trends, and regulatory requirements
•    Excellent project management skills, with the ability to manage multiple projects simultaneously.
•    Demonstrated ability to work collaboratively with cross-functional teams and influence stakeholders at all levels.
•    Strong strategic thinking, analytical, and problem-solving skills, with attention to detail.

•    Excellent leadership, communication, and interpersonal skills.
•    Ability to adapt to a fast-paced, dynamic work environment and manage changing priorities.
•    Excellent communication and presentation skills, both written and verbal in English and Chinese
•    Proficiency in using MS Office, including Word, Excel, and PowerPoint
•    Candidates with less experience or skills may be considered for junior levels

Other Responsibilities
Embed Here for good and Group’s brand and values in Hong Kong WRB Mortgage Team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Qualifications
•    Education     Bachelor’s degree
•    Languages     Excellent communication and presentation skills, both written and verbal in English and Chinese

Role Specific Technical Competencies
•    MS Office including Word, Excel, PowerPoint
•    Lending products knowledge
•    Customer/Market focus
•    Data gathering, reporting & fulfilment

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.