JOB SUMMARY

Mortgage Product Manager who is responsible for owning the end-to-end customer journeys and product vision and lifecycle.  This role is responsible for development and management mortgage products, implement strategies to drive mortgage business and also the growth and profitability.  Understanding of TW mortgage product, industry, teamwork and the ability for data analysis, strategic thing is the idea capability for this role.

RESPONSIBILITIES

Strategy
•    Develop and execute the strategic vision for the mortgage product portfolio, ensuring alignment with the overall business strategy.
•    Continuously improve the operational efficiency and effectiveness of mortgage processes, such as online application of digital solutions.

Business

•    Achieve Revenue/Balance budget 
•    Lead the design, development, and enhancement of mortgage products to meet market demands and customer needs.
•    Conduct market research and competitive analysis to identify opportunities for new products and features.
•    Develop and manage retail mortgage products to maintain product sustainability and profitability.
•    Support the design and development of new products, processes, services, and re-engineering of existing products.
•    Carry out policy reviews and updates, implement regulatory changes, and adhere to internal guidelines in product engineering.
•    Collaborate with sales, Group Product, Country Risk, Operations, Sales, Legal & Compliance, Segment and Marketing teams to develop targeted campaigns and product programs to attract new customers.
•    Manage all product-related communications, including online and offline marketing collateral and internal communications.  
•    Design and launch sales campaign/ incentive to drive business focus, and Ensure all campaign fulfilments are completed within the agreed timeframe.

Processes

•    Responsible for complying and executing according to the New Product Development and Product Maintenance & Exit Global Process Standards (GPS).
•    Facilitate proper product program (PPG/Country Addendum) management.

People & Talent
•    Proactively and continuously learn and improve from on-the-job work, from training, from others.
•    Demonstrated ability to work collaboratively with cross-functional teams and influence stakeholders at all levels

Risk Management
•    Ensure compliance with regulatory requirements and internal policies throughout the product development lifecycle.
•    Identify potential risks related to projects and implement mitigation strategies to address them.

Governance
•    Understand the new developments in the market including regulatory changes, ensure product program, campaign, promotion and other business practice is in line with local regulations and in compliance with group policy.

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.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles

Key Stakeholders

•    Affluent, Finance, ALCO, CFCC, BRM, OR, DB, CCC, CE , IT

Our Ideal Candidat

• 8+ years hands on experience and proven knowledge in Corporate & Institutional Banking (or equivalent) – Experience in supporting Tech projects or initiatives for Credit business focussing on Loans or Bonds is an added advantage
• 5+ years hands on experience of Transformation – ideally as a Product Owner and strong skills of maintaining and prioritizing a backlog using digital tools
• A talented individual who can be an effective team player and strong communicator who builds trust-based relationships within the team and amongst stakeholders
• Good understanding of industry trends and client needs across Workflow automation, Project Management, AI adoption and implementation and Agile ways of working
• Proven ability to prepare and communicate formally – verbal and written
• Proven ability to suggest various prioritisation and decision-making techniques to the Chief Product Owner / Product owners in enabling effective decision making
• Proven ability to refine and breakdown the backlog of work for teams to consume and deliver outcomes
• Experience of working with globally distributed cross-functional teams to deliver outcomes
• Product Owner certification (or equivalent) is an added advantage
• Strong prioritization and analytical skills to manage trends, backlogs and data insights

• Exceptional communication skills to (internal and external stakeholders):
• Articulate the requirements and progress with stakeholders and team members.
• Negotiate priority items in the backlog with key stakeholders.
• Ensure transparency and path to resolution for identified risks or issues.
• Knowledge of design thinking framework and customer journeys
• Knowledge of Agile ways of workin

Role Specific Technical Competencie

• Product Management/Ownership
• Product delivery lifecycle experience using Agile Ways of Working (Scrum, ADO mgmt., etc…)
• Process Improvement
• Interpersonal Relationships
• Internal Controls
• Business Process Design
• Stakeholder management and communication
• Data driven decision making & product analytics
• Data Gathering and Reporting 

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