Job Summary

Are you passionate about the future of payments, financial infrastructure and helping clients move money? We’re looking for a Product Manager to join our Cash Product Team, leading the strategy, development and delivery of our Cash Payments products, including the UK FI Clearing and PayTech portfolio.

This is an exciting opportunity to own products at the heart of the payments ecosystem, enabling financial institutions to move money efficiently, securely and at scale. You’ll work across operations, regulation and client needs to shape innovative solutions and client propositions that support the evolving payments landscape.

Why join us?

• Own a high-impact product portfolio with end-to-end responsibility for product strategy, delivery and commercial performance.
• Deliver meaningful client outcomes by solving complex challenges for corporate, financial institution and PayTech clients through modern clearing and payments solutions.
• Develop your leadership skills through strategic initiatives and cross-functional collaboration.

What you’ll be doing

• Define and execute the Cash Payments product strategy and roadmap across different client segments.
• Lead the end-to-end product lifecycle, from product design and delivery through to launch and ongoing optimisation.
• Engage directly with clients, industry partners and internal stakeholders to understand market needs and shape future product development.
• Define success metrics, monitor product performance and use data-driven insights to drive continuous improvement.

Who we’re looking for

• A product professional with a passion for shaping the future of payments.
• Someone who is equally comfortable defining long-term strategy and rolling up their sleeves to drive execution.
• A curious, forward-thinking individual who thrives in a changing environment and brings fresh ideas.
• Someone who is motivated by ownership, accountability and delivering results through collaboration.

Key Responsibilities

Strategy

• Develop and execute the Europe Transaction Banking Cash Management strategy, identifying market trends, growth opportunities and competitive threats.
• Translate client and market needs into new, enhanced or repackaged products supported by robust business cases, commercial analysis and implementation plans.
• Lead the end-to-end product lifecycle from strategy and design through delivery, launch and ongoing optimisation.

Business

• Extensive senior product management experience in European payments for Financial Institutions and Multinational Corporates.
• Expertise across Clearing Services, High Value Payments, CHAPS, Bacs, Faster Payments, T2, EURO1, SEPA, Transactional FX, Digital Assets, Domestic Cash Management, Collections, Reporting and Virtual Accounts.
• Experience participating in UK, European and German payments industry forums.
• Strong knowledge of Open Banking, payment innovation and emerging overlay services.
• Proven ability to interpret regulatory change, define business requirements and deliver compliant product enhancements.
• Accountable for product development, commercialisation, governance and product performance, including product assessments and management information.
• Deliver regional implementation of global cash management capabilities in partnership with global and local teams.

Processes

• Experience delivering large-scale payments transformation programmes, including requirements gathering, testing and implementation.
• Define customer propositions covering pricing, features, eligibility, compliance and supporting documentation.
• Ensure strong product governance, documentation and lifecycle management in line with Transaction Banking standards.

People & Talent

• Coach and mentor colleagues across Europe Transaction Banking.
• Deliver product training and webinars to Sales, Coverage and Financial Markets teams to strengthen product knowledge.

Processes

• Experience with large scale payment transformation programmes including business requirement documentation, acceptance testing to validate requirement completeness.
• Define customer propositions including pricing, features, eligibility, compliance, and ensure internal and external documentation is authored and maintained to support the commercialisation and growth of new and existing Cash Management products.
• Bring a governance mindset to product development and ongoing lifecycle management, ensure timely renewal of country addendums to product documentation and other activities as required by TB Product Governance framework.

People & Talent 

• Act as role model and coach/mentor for the team and broader Europe and TB business
• Experience conducting webinars / training with Sales, Coverage and FM to further strengthen Cash management product knowledge.

Risk Management

• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters relating to TB products.
• Ensure country compliance on Group standard for Audit, Control and financial reporting, including reporting of risks

• Work with Operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition
• Ensure timely renewal of country addendums (CAs) to PPGs and proactively work with stakeholders to identify and quantify new and existing risks. Actively participate in NPC roll out and execution in the country. Ensure local governance is followed and risks and issues managed

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 relating to TB products within the region.
• Ensure country compliance on Group standard for Audit, Control and financial reporting, including reporting of risks
• Demonstrated experience in understanding PRA, FCA and the Bafin regulatory requirements in relation to TB products in Europe and ensure ongoing compliance with them, instigating mitigating actions and product changes and programmes as required

Skills and Experience

•    Customer Behaviour and Preferences
•    Knowledge of Product Line
•    Product Life Cycle
•    Product Design and Development
•    Business Performance Management

Qualifications

•    Applicable qualifications well regarded include Association of Corporate Treasurers certifications, i.e. Certificate of International Cash Management (CertICM)

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.