Job Summary

Be responsible for the end to end product design, development, maintenance and commercialization throughout the deal life cycle. Work closely with local stakeholders, regional and global product partners to ensure proper governance and risk control.

Strategy

Actively contribute to the overall business strategy; develop tactical plans to achieve our long-term vision and leadership positions.

Financial Performance and profitability
•    Drive revenue growth and grow market share against budgets and targets under overall Supply Chain products development, including pre-shipment and post shipment product design, maintenance and development as well as the collaboration with 3rd party platforms. 
•    Set pricing strategy, guidelines and approval governance. 
•    Ensure fit-for-purpose, fit-for-growth, fit-for-sale products
•    Drive end to end product performance, such as efficiency, straight-through processing, turnaround times, and ensuring scalability of growth
•    Create product propositions aligned to client segment strategy and commercialize such product with frontline

Product Management and Development
•    Drive innovation, remain up-to-date on key product trend, and ensure collaboration across other product groups in TB and SCB
•    Ongoing digitisation including e-penetration strategies and platform collaboration
•    Create a market and client feedback loop to ensure that buyer behaviour is well understood and appropriate enhancements made to products and services. 
•    Remain up-to-date on the competitive environment with a clear view of external capabilities benchmarking and respond to the consequent opportunities or threats identified. 
•    Provide training and education of overall Supply Chain related products across the bank and participate specific project team including both internal and external ones to ensure market leadership and implication.
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Key Responsibilities

Commercialization
•    Responsible for commercialization of Supply Chain related products and platform collaboration related supply chain finance programs by ensuring commercialization plans, targets and infrastructure to maximize success for it launch
•    Understand the needs of customers and prospects, and implement structures and solutions to meet these needs ensuring delivery of Trade.
•    Provide ongoing support and training to Trade Sales, CMs, & RMs to provide assistance to facilitate the closure of large or complex deals.
•    For the trade products assigned, improve processes for better customer experience resulting in growth in trade revenue in line with the CAs and PPG.
•    Ensure all assigned product initiatives are closed within the agreed timeline.

Risk & Governance
•    Identify and mitigate the Operational, Credit, Regulatory and Business conduct risks relating to Trade.
•    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) and proactively work with stakeholders to identify and quantify new and existing risks. 

Accountable for financial and non-financial risks arising from Trade product within China Trade & Working Capital Loan as product owner within the product management discipline, to execute independent risk management roles and responsibilities under the bank’s Enterprise Risk Management framework as delegated from the business product owner in this JD. 

• Monitor and manage financial risks arising from Trade product within China Trade & Working Capital Loan
• Ensure Trade product structures are appropriate to the level of client risk
• Supervise material principal risks red flags that arise in the transaction flow and engage on any material issues arising to support timely / robust risk management.
• Identify and mitigate the Operational, Credit, Regulatory and Business conduct risks relating to Trade.
• Keep oversight of the operational activities underpinning the product, and intervene/escalate to ensure continued effectiveness of controls environment if needed
• 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) and proactively work with stakeholders to identify and quantify new and existing risks.

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.

Skills and Experience

Key Stakeholders
Internal
•    Central Product Manager, Trade 
•    Country Operational Risk, Credit Risk, Finance, CFCC, HR, Legal, TM, IMO, Trade Ops
•    Business Managers including but not limited to RM and Sales in other parts of SCB, country

External
•    Major Clients, particularly those where playing strategic sponsor role
•    Key regulators (in-country)
•    Competitors
•    Media
•    All stakeholders including Clients, Auditors and Regulators 

Qualifications

•Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies
理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；

•Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
跟上本地问责法律法规的发展，以有效地确保并强化内控；

•Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank 
审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；

•Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；

•Cooperate with any investigations or reviews on regulatory failure such as accountability review
配合任何关于违反监管规定的调查或审查，例如，问责审查。
 

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.