Job Summary

•   We’re seeking a Cash Product Manager to join our Transaction Banking team in Singapore, focusing on Account Services products, Commercial Cards and Escrow and Account Bank Solutions. 
•   The role is to deliver a comprehensive suite of Cash Management products to our CIB clients, including Cash Accounts, Client Account Solutions, Sustainable Finance proposition, Commercial Cards, and Escrow and Account Bank Solutions. 
•    This role plays a key part in supporting Singapore and ASEAN Liabilities Management, with a strong emphasis on portfolio optimisation, pricing discipline, and performance monitoring, all while driving sustainable deposit growth and ensuring alignment with liquidity frameworks.

Key Responsibilities

Strategy
•    Execute the liabilities product strategy in line with both local and regional balance sheet and funding objectives.
•    Drive deposit growth across multiple currencies and client segments, optimizing the portfolio mix for Singapore’s market.
•    Lead pricing management and support portfolio analysis, monitoring market trends and policy rate changes specific to Singapore.
•    Conduct market research and competitor analysis to identify gaps and opportunities for product innovation.
•    Manage and monitor product performance, ensuring alignment with revenue, profitability, balance sheet and client satisfaction goals.
•    Provide forecasts, manage the pipeline, and resolve any revenue gaps to ensure growth targets are met.

Business
•    Partner closely with Group Product leads to articulate and implement key product initiatives.
•    Collaborate with Sales and Coverage teams to identify customer needs and develop compelling Account Services product, Commercial Cards as well as Escrow product value propositions across diverse CIB client segments.
•    Work jointly with Sales and Coverage to improve product offerings resulting in increased revenue and utilization, improve efficiency and reduce cost.
•    Work with group/regional product team to define product roadmaps and prioritize development initiatives.
•    Manage product updates, customization and rationalization based on client feedback, market demand and regulatory changes.
•    Partner with operations, technology and other stakeholders to ensure seamless end-to-end delivery and scalability of products.

Processes
•    Drive execution of portfolio enhancement initiatives, participating in system testing and reviews as needed.
•    Support commercialization efforts linked to balance sheet optimization and liquidity metrics.
•    Develop and maintain training materials and client-facing content tailored for the Singapore market.
•    Lead timely updates to internal platforms and sharepoint for local initiatives.

People & Talent
•    Build collaborative relationships with cross-functional teams in Singapore and across the region.
•    Develop strong domain expertise and continuously improve analytical, commercial, and product management skills.
•    Foster a collaborative, inclusive culture aligned with the Bank’s values

Risk Management
•    Support product governance throughout the lifecycle, including launches, withdrawals, and ongoing reviews.
•   Conduct regular product risk assessments and governance documentation updates, with a focus on products such as Account Services, Commercial Cards, Escrow and Account Bank solutions.

Governance
•    Monitor regulatory developments in Singapore and ensure compliance with internal liquidity policies.
•    Support audit and regulatory reviews as required.

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
Internal
•    Group, regional and country product team
•    CIB Sales and RM team
•    Implementation team, Client Service Group and Operations 
•    Data Analytics and Revenue Management
•    Finance
•    Treasury Market
•    Third Party Risk and Governance teams
•    Business Management
•    Compliance, Legal and Ops Risk
External
•    Corporate & Institutional clients
•    Competitors

Other Responsibilities
•    Embed Here for good and Group’s brand and values in Singapore TB Cash Product; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);

Our Ideal Candidate

•    Bachelor’s degree in Business, Finance, Economics, Data Analytics or related field.
•    6 plus years of Cash product management related experience, with demonstrated ability to guide and manage end to end product management and commercialization in Singapore.
•  Hands on knowledge and experience in Account Services, or Commercial Cards, or Escrow product management, payments, transaction banking, digital commerce, and their operational, legal and compliance aspects.
•    Strong analytical, data interpretation skills and business acumen. 
•    Solid understanding of product governance, balance sheet metrics and regulatory frameworks.  
•    Good understanding of the eCommerce payments ecosystem, including gateway models, merchant journeys, transaction flows, settlement concepts, and operational processes.
•    Good understanding of cash management, experience working across multiple markets. Regulatory delivery across Cash products will be a plus.
•    Strong experience of working collaboratively and independently. 
•    Proficiency in Excel/ Tableau/ data tools; experience with reporting platforms. 
•    High attention to detail, structured thinking and ability to work across different functional teams. 
•    Strong business writing skills, communication and presentation skills
•    Organised and detail-oriented.

Role Specific Technical Competencies

•    Balance sheet and liabilities management expertise
•    Product Management expertise
•    Financial and commercial acumen
•    Analytical and data interpretation skills
•    Excel/ Tableau/ data tools; experience with reporting platforms
•    Business writing skills, communication and presentation skills
•    Industry Knowledge

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers