JOB SUMMARY

This is a Group Credit Card product governance role focused on execution of Wealth & Retail Banking (WRB) Global Credit Card (CC) Strategy. This encompasses the management and delivery of Credit Card profitability maximization initiatives, mandates delivery, governance initiatives and documentation matters. 

1.    Leading Card Product Governance-related activities for the group:
•    Product programme governance management and periodic reviews
•    Review of global policies and standards, managing dispensations and implementation of policies / regulations across markets
•    Participation in Incentive Plan forums
•    Managing corrective actions and periodic policy validations on bank platforms  
2.   Ownership of operational component of scheme engagement:
•    Leading monthly operational calls with schemes 
•    Oversight of scheme mandate implementation, timeline/support discussions with schemes
•    Scheme governance as critical service providers 
•    Periodic bank policy validations with schemes 
•    Operation Rules Validation for schemes compliance  
3.   Scheme fees cost reduction.

RESPONSIBILITIES

Strategy
Defining operation engagement with Mastercard and Visa globally.

Business
•    Supports execution by engaging with analytics and finance teams for modelling, operations teams and third parties for fulfilment, one delivery team for tech / experience changes.
•    Works with one delivery team / tech teams to deliver internal, regulatory and scheme compliance.

Processes
•    Leading Card Product Governance-related activities for the group
•    Liaising with 2LOD Risk teams to review global policies and standards, manage dispensations and implementation of policies
•    Leads implementation of initiatives targeted to reduce the cost of scheme processing.

People & Talent 
•    Leads by example, sets appropriate tone & expectations from teams (incl. cross-functional stakeholders in markets), and works with partners’ alliance/support. Ability to collaborate cross geographies, functions, and levels. Respects differences in cultures & opinions to promote an inclusive environment where all can drive towards common goal.

Risk Management
•    Participating in risk and governance forum to present global CC position 
•    Effectively ensures relevant controls are set in place with developments of applicable accountabilities. 
•    Leads discussions with risk framework owners and translates control strategies into execution activities with relevant country stakeholders.

Governance 
•    Leads implementation of key policies, standards, regulations and scheme mandates
•    Ensure all processes are carried out efficiently and are fully compliant to internal and external compliance/ regulatory requirements.

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
•    All LoDs – BRM, OR, Credit Risk, CFCC, GIA
•    Country teams (Credit Card)
•    Operations
•    Group CCPL Team
•    Tech chains with One Delivery
•    Card Schemes 
•    Finance
•    Retail Analytics and Analytics COE 

Other Responsibilities
•    Embed Here for good and Group’s brand and values in CCPL Business. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate
•    Academic Degree (preferably in Banking & Finance)

•    10+ years of experience in Banking

Role Specific Technical Competencies
•    Product Governance
•    Interpersonal, communication, negotiating and influencing skills
•    Change management, knowledge of bank’s systems and platforms
•    Understand Risk Frameworks
•    Understanding CC and WRB financial model
•    Understanding Card Scheme – Issuer commercials.

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