Job Summary

•    In Standard Chartered Bank’s Corporate & Investment Bank (CIB), our ambition is to be digital-first, making banking simple, 24/7, through our Straight2bank (S2B) Digital platform that serves our global clients across our 50+ footprint markets. 
•    The lead Product Owner (PO) of S2B Platform Services is a role in the Transaction Banking’s Digital Channels Solutions (DCS) team. 
•    The role will lead the business strategy and future-state definition for CADM Reimagined, transforming CADM from a legacy administration platform into a scalable, API-first entitlement and administration service supporting traditional digital channels, digital assets and agentic banking. The role will:
•    Own the target-state business and platform architecture for CADM Reimagined and establish the governing design principles and guardrails.
•    Lead the CADM design authority and drive alignment across Product, Technology, Architecture, Operations, Risk and Security.
•    Shape investment, sequencing and prioritisation decisions against the agreed target state.
•    Escalate material deviations from the agreed architecture, roadmap or platform principles to the executive sponsors.
•    The role partners closely with Digital Platform Services, Cash, Trade, Financial Markets, Digital Assets, Transaction Controls, Operations, Client Servicing, Technology, Architecture, Risk, Security and country or cluster teams. It leads alignment across product, engineering, design and business stakeholders to establish reusable administration and entitlement capabilities for CIB clients.
•    The role is accountable for an endorsed target-state architecture, a funded and sequenced roadmap, measurable simplification of administration and entitlements, adoption of reusable patterns, a clear migration and coexistence path, and a sustainable operating model for continued execution. 
•    The role is responsible for delivery of agreed outcomes on standard metrics/scorecards e.g. Digital adoption, CSAT, service levels, product management objectives and key results (OKRs)

Key Responsibilities

•    Modernization & Platform Transformation of S2B Entitlements management
•    Own the business vision for CADM Modernization & Platform Transformation including "Entitlements as a Service" across DCS propositions. This includes
•    Define the future entitlement model for CADM.
•    Simplify user administration and entitlement constructs.
•    Shape:
•    Delegation models,
•    Consent frameworks,
•    Authorisation controls,
•    Revocation models.
•    Translate priority Digital Asset operating models into reusable CADM administration and entitlement capabilities.
•    Define legal-entity, user and service-provider administration journeys for custody, tokenised deposits and future tokenised services.
•    Define wallet, account, asset and transaction permissions, including limits, delegated authority and maker-checker controls.
•    Define reusable CADM integration and entitlement-record requirements across custody, wallet and tokenisation platforms.
•    Define and enable Agentic Banking Entitlement 
•    Establish controlled delegation and least-privilege permissions across data, tools, accounts, products, actions and transaction limits.
•    Define entitlement tiers, prohibited combinations, segregation of duties and step-up approval requirements.
•    Govern the entitlement lifecycle from request and approval through provisioning, recertification, suspension, revocation and expiry.
•    Establish canonical business domain models, ownership boundaries and data stewardship principles.
•    Define platform consumption patterns, API strategy and integration standards.
•    Drive legacy decomposition, coexistence and migration strategy.
•    Establish success measures, adoption plans and value realisation outcomes.
•    Partner Technology, Architecture and the vendor Product Owner on the modernization roadmap.

Leverage AI tooling and current-state analysis outputs to:
•    Simplify administration models,
•    Rationalise entitlements,
•    Identify modernization opportunities,
•    Improve product delivery agility. 
•    Define the target-state administration and entitlement architecture.
•    Build alignment across Product, Operations, Technology, Risk and Security stakeholders. 
•    Influence senior stakeholders on investment decisions, scope trade-offs, go-to-market plans and roadmap alignment
•    Define success metrics and value measures aligned to strategic objectives.

Business
•    As a lead Product Owner, you will translate business strategy into clear product outcomes aligned to TB client servicing goals. You will work with talented team members across Product Management, Technology and client service partners to develop your product all the way from a conceptual stage to the product launch. 
•    Drive adoption of digital capabilities reducing reliance on operations and TB SAT teams.
•    Build global platform capabilities incorporating country and regulatory requirements
•    Manage stakeholder expectations across business, TB servicing, operations, product, technology, second lines and ensure robust risk and issues management 
•    Support regulatory remediation and audit commitments impacting S2B Platform Services.

Processes
•    You will have a key role in building innovative product capabilities, influence change, commercialize capabilities and enable our S2B Digital Platform Services in 50+ countries. You will be responsible to take the ideas through implementation in Agile Methodology as a “Product Owner”. You will continuously evaluate the ever-changing financial ecosystem and related emerging technologies in collaboration with our technology partners.

Key Responsibilities include:
•    Engage internal stakeholders and teams across CIB Business and Operations, DCS Technology, Compliance, Governance, Risk Management and Cybersecurity to align on the strategic development of end-to-end digital client journeys.
•    Own, refine and deliver the product roadmap for the target-state Entitlements management system
•    Participate in the industry benchmarking exercises to obtain objective, data-driven insights that informs strategic product planning
•    Ensure healthy product backlog by getting into the details of existing capabilities, understand client needs and usage, ascertain business relevance and come up with a product release plan. 
•    Ensure omni-channel strategy by capturing client requirements across interactive and non-interactive channels and partnering with the Open Banking Ecosystem product team on key priorities and aligning to their product roadmaps.
•    Demonstrate product proficiency and develop Human centric user interface designs covering critical online banking flows such as transaction initiation, approvals, enquiries, reporting and other supporting flows. 
•    Work closely with cross functional squads in the DCS Digital Platform Services Hive and execute the end-to-end product delivery lifecycle covering conceptualization, business requirements, product solutions, meticulous quality checks, deployment to production and eventually, drive customer adoption of new digital client self-administration solutions. 
•    Articulate change requests with concise, comprehensive and high-quality user story writing
•    Work extensively with Client Insights & Research, CX/UX Design and Regional DCS and frontline teams in visualizing and building intuitive and innovative user flows to deliver best-in-class digital channel experience. Support client focused sessions to gather information on security concerns and client experience.
•    Work closely with internal and external vendor delivery teams, reinforce the business and delivery priorities, and deliver on the agreed business tasks such as user stories, business flow diagrams etc.
•    Assist the head of Digital platform services and/or Hive Lead in preparing status reports and capabilities document in articulating the key achievements / updates of the program to the senior management teams.

•    Provide advisory and training support to frontline, implementation, clusters on RFPs/RFIs and product awareness
•    Collaborate with relevant partners to provide effective external and internal communication to educate and create awareness of our Entitlement Services capabilities.
•    Support regular education and awareness efforts for both internal business stakeholders and clients through regular forums, discussions, events, training sessions and presentations.
•    Ensure service level agreement standards are met on a regular basis and are tracked through formal forums.

People and Talent
•    Provide effective leadership and management to direct reports to build a high performing and motivated team.
•    Ensure active communication of ambition, strategy, priorities, and progress to the business to foster engagement, awareness and motivation.
•    Exemplify Standard Chartered’ s valued behaviours every day, both, externally with clients and internally with team and stakeholders
•    Lead and inspire a cross-functional team, including product managers, designers, and engineers, to deliver high-quality product capabilities. 
•    You will actively engage with the product, implementation & client management, legal, compliance, operations and sales teams to create awareness of the new product features and encourage a participative attitude to elicit critical business requirements and ensure overall acceptance of the new process flows and the system functionalities.
•    Set and monitor job descriptions and objectives for indirect reports and provide feedback in line with their performance against those responsibilities and objectives. 

Risk Management
•    You take a proactive approach to risk management and on an ongoing basis will be identifying, assessing, monitoring, mitigating product risks related to your channel products.
•    Perform risk assessments to ensure proper governance prior to product launch.
•    Review applicable internal policies and procedures to prevent gaps against risk governance framework.

•    Identify and mitigate risks related to product development, compliance, legal, and security teams. To have strong engagement and liaison with these teams to drive the regulatory approvals required to ensure Straight2bank platform services remain compliant with banking and data protection laws.
•    Ensure Country compliance on Group standard for Audit and Control.
•    To be the product SPOC with the local risk committees

Governance
•    Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight, and controls in the business and, if necessary, oversee changes in these areas
•    Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
•    Willingness to ‘speak up’ in the event of any realized or perceived breach of group conduct rules or laws by colleagues
•    Willingness to work with any local regulators in an open and cooperative manner.

Regulatory and 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
•    Transaction Banking (Cash, Trade, Implementation, Operations, Client Servicing)
•    Financial Markets (products, operations, servicing)
•    Digital Channels Solutions (Cash, Trade, FM, Digital Servicing, Client Administration, Platform Common Services, Data Analytics & Insights, GTM, Channel Performance & Measurement)
•    Digital Channels, Data and Coverage Platforms (DDCP) – Client experience, Design, Research and Insights teams, API & Open Banking Ecosystems
•    TB COO, Project/Program Management Office
•    Technology (Interactive Channels, DCS Tech, Delivery Teams, Solution Architect Teams, Security Technology Teams)

Role Specific Technical Skills and Competencies

•    12+ years’ experience with a proven track record of success in Digital platform product management or / channels management, preferably in Corporate and Institutional Banking
•    7+ years in a senior product leadership role
•    Experience working on post onboarding client journeys such as security administration, digital channel access setups, client entitlements management, electronic bank account management
•    Proven track record in leading and implementing digitalization and/or transformation initiatives preferably in Corporate and Institutional Banking driving adoption of digital solutions and increasing share of revenue and/or realising cost efficiencies by leveraging digital capabilities.
•    Experience building out robust business benefit cases and Value propositions to positively influence decision makers on prioritization and resource allocation related decisions
•    Transformation Road mapping, Investment and Value Realisation - proven ability to shape sequenced roadmaps, prioritised backlogs, funding cases, success measures, 
•    Cross-Functional Design Authority and Executive Stakeholder Leadership - ability to lead decisions across Product, Technology, Architecture, Operations, Risk and Security, resolve trade-offs and escalate material deviations.
•    Effective and positive written and verbal communications especially when acting as a liaison between departments, internal employees/subordinates and clients.

Our Ideal Candidate

• Product Management.
• Agile Product Ownership Certification.
• Channels management
• Electronic bank account management.
• Client Journeys. 

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.

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