Job Summary

•    To lead the product management initiatives of TWC/ME segment with specific focus on client’s cross-border needs under our network’s coverage. 
•    Be responsible for TWC/ME’s strategy alignment and execution together with ME head/ Regional sale head/ credit risk and other key stakeholders, as well as to lead/oversight end-to-end product design, development, maintenance and commercialization throughout the solution life cycle. 
•    zhTo work closely with local stakeholders, regional and global product partners to ensure proper governance and risk control and to drive innovation, remain up to date on key product trend in China’ TWC/ME banking market, ensuring collaboration across other product groups such as TB and WM.

Key Responsibilities

Business:
•    To identify and actively contribute to SME strategies, by developing tactical plans to achieve TWC/ME’s long-term vision and leadership positions in China.
•    To provide professional support to drive revenue growth and grow market share against budgets and targets for China TWC/ME. To build business cases and identify opportunities for new products and services requirements for TWC/ME clients. 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. 
•    To work closely with key stakeholders and other functions to ensure that products resolutions are well designed and commercialized in an efficient and effective manner, minimizing operational risks whilst maximizing customer service. Consistently review and upgrade existing product features, services, workflows to improve client experiences and make sure full compliance with local regulatory requirements and group policy.
•    Accountable for delivery of all product enhancement, project deliveries for ME segment and contribute to overall ME P&L through driving or participating in ME key business and strategic initiatives.

 Training & Risk management:
•    Provide training and pitch support from product perspective and participate specific project team including both internal and external ones to ensure market leadership and implication. Established professional code and communication skills when collaborating with other teams. 
•    Identify and mitigate the Operational, Financial, Regulatory and Business conduct risks relating to TWC/ME product. Work with operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition.
•    Drive and ensure product quality assurance.
•    Support simplicity in all client facing materials and risk disclosures.
•    Manage and provide ongoing information on data, analytics and competitive landscape.
 

Skills and Experience

Process& Governance
•    Ensure comply with all requirements of product governance and proactively work with stakeholders to identify and quantify new and existing risks. 
•    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.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Leadership & People

•    Build a strong local talent pipeline for future business growth and continuity.
•    Coach direct reports and key talents to deliver on individual performance.
•    Manage employee engagement, motivation, and attrition issues.
•    Be an effective agent of change and a role model for talented managers throughout the Bank.
•    Identify and develop high potential team members. 
•    Identify and manage-out low performing team members.

Compliance & Control

•    Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff.
•    Contribute towards achieving and maintaining satisfactory audit rating.
•    Contribute towards ensuring that the value stream is fit for growth and have effective controls framework.
•    Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.”
•    Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
•    Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency.
•    Ensure that customer due diligence is properly carried out by RMs, and other anti - fraud checks.
•    Manage the risk of the portfolio on an ongoing basis through proactive monitoring of customers, their transactions, and developments in the general business environment.
 

Qualifications

•    Sound knowledge of TWC/ME products, services, procedures and regulations, equities markets, and unit trusts preferred, with passionate on SME or corporate finance.
•    Critical thinking, problem solving, and drive execution of the product initiatives for TWC/ME value proposition.
•    In-depth knowledge of operational risk management and reputational risk management.
•    Proven ability to work in environment requiring multi tasking
•    Excellent interpersonal and communication skills, ability to deal with all levels of people, often in complex and difficult situations.
•    Team player who shows initiative and assertiveness and good leadership qualities to motivate the team.
•    Self-motivator who is keen to upgrade, improve personal knowledge and skills to meet job requirements.
•    Good command of both spoken and written Mandarin and English. 
•    Strong business understanding, credit risk analysis and financial knowledge.
•    Experience in project management, Business Analytics, and strategic Sourcing.

Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time. 

Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the WRB essential, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employee who has passed the probation, failing to pass the WRB essential will be taken as assessment basis for job incompetency.  Before attend and pass the WRB essential class, the employee should not perform any kind of business communication / engagement to customers.

Please note that the job description above will be reviewed during the Job Objective setting every year, which may be amended and agreed where necessary by the employee and the line manager.  
 

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.