Job Summary

The role holder is responsible for managing the end-to-end implementation of Business Analytics, Campaign Management, Lead Generation, Client Segmentation, Customer Lifecycle Engagement, Portfolio Insights, Data Strategy, CVP Implementation, Profitability Analysis, Predictive Modelling, Lifting Conversions and Productivity, etc.

Strategy
•    Plan effective Data and Analytics strategy for Wealth & Retail Banking (WRB)
•    Support business with timely and quality predictive, descriptive, prescriptive and diagnostic analytics for sound decision making
•    Implement advanced data tools in the management and use of data in country
•    Develop and work with Group in creating tools / applications to gain operational efficiency, improved client service and experience
•    Align country data strategy with global data transformation and analytics projects both in short term and long term
•    Liaise with group teams on rollouts of data and performance related processes, initiatives, and information requests.
•    Assist in the delivery of the management agenda through MIs, insights and product /portfolio analysis
•    Work with finance in developing profitability and impact analysis of key initiatives and business decision alternatives
•    Create a client centric product which justifies CVPs with client preferences and profitability to optimize value to both bank and client
•    Ensure rollout of key transformation initiatives and projects
•    Lookout for business opportunities to maximise revenue and balances and save costs
•    Customer segmentation to map client needs and customer journeys to make the best offers
•    Apply propensity models in all lead generation activities focussing on top decile clients
•    Support Group to implement Analytics tools and agenda in country

Key Responsibilities

Business
•    Identify Business Opportunities through portfolio analysis and understanding Customer Behaviour at various stages of client lifecycle
•    Develop statistical models and predictive analytics to place efforts on more likely clients to increase sales and balances, providing lift in conversion
•    Track specific KPIs in sales and the scorecards, and support WRB MT in driving key numbers
•    Appraise product, segments and distribution teams on campaign performance and ROI as applicable
•    Track closure of leads and appraise channel performance. Work with CEMS team towards enhancement
•    Analyse profitability, balances and risks to take actions on retaining / upgrading / tail managing clients and portfolio distribution on relationship managers
•    Leverage on Historical Data through Analytics to increase Profitability
•    Review portfolio to perform descriptive analytics to ensure portfolio heading towards the right direction
•    Mine appropriate data for diagnostic and prescriptive analytics to prevent shortcomings and recommend corrective action points
•    Transaction analytics to bring more clients to digital and guiding alliance to form more impactful partnerships
•    Simulation testing to understand cost and impact on new / updated product / features based on existing portfolio direction
•    Segment clients for test and learn campaigns before applying successful ones on a broader scale
•    Develop and present insights, simulations and analysis for effective decision making
•    Design and drive periodical / targeted customer campaigns to gain wallet share with more active clients throughout client journey
•    Work with external data owners to develop models / generate external leads
•    Develop and support development of tools for customer offering (S2S), CVP fulfilment, lead distribution and automating activities
•    Publish periodical dashboards on product / portfolio for Product and Segment Heads
•    Provide investigative support where needed

Processes
•    Develop solutions to manage CVPs with new products
•    Customer Lifecycle Management
•    Lead Generation and Campaign Management
•    Drive Activation & Retention initiatives
•    Cross Sell and Deepening initiatives
•    Profitability and transaction analysis
•    Vintage, waterfall and trend analysis
•    Manage customer fee waivers / Other bank ATM fees and other CVPs and ensure system update
•    Ensure circulation of regular MIs and Reports
•    Retail Analytics Process

People & Talent
•    Train team members in latest technology and advanced tools
•    Coach and develop the skills of team members to remain updated
•    Build a robust team with continuous improvement of skills

Risk Management
•    Ensure Risk Management Standards are met as per group guidelines
•    Work with risk teams to ensure data related risks are well taken care off
•    Continuously remain vigilant about any data or performance related risk and highlight potential risk areas to business heads
•    Strictly Adhere to Retail Analytics Process and Portfolio MI and Reporting Process

Governance
•    Ensure proper closure of all campaigns till fulfilment and post campaign analysis
•    Ensure data governance and privacy management
•    Ensure approvals in place for cross border / external data sharing

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
•    WRB Management Team
•    WRB Products and Segments
•    Finance, IT, CFCR, GIA, FRMU
•    Group Analytics Team
•    Business Analytics Centre of Excellence (BA CoE)

Other Responsibilities
•    Support all ad hoc requirements by business heads
•    Support business heads to implement campaigns / initiatives
•    Support Group Analytics team and BA CoE in launching initiatives

Skills and Experience

•    SQL
•    Python
•    Power BI
•    Microsoft Access
•    Microsoft Excel
•    MicroStrategy 

Qualifications

Education
•    Graduate, preferably with 10 years’ experience in Consumer Banking or roles
Training
Experience
•    Experience and core understanding of database management and programming platforms such as SQL, Python, etc
Functional Knowledge
•    Product, Segment, Business Analytics & Performance management knowledge
People Management
•    Strong Interpersonal skills and ability to manage stakeholders
Risk & Governance
•    Core understanding of data framework, privacy, regulatory compliance, CDD
Languages
•    Fluent in verbal and written communication (both Bengali and English)

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.