Job Summary

•    We are seeking an experienced product management leader to drive the next wave of growth and allied innovation for our Paytech and Fintech propositions. The role will sit within our group product team and require active engagement with a variety of stakeholders, both internal and external.
•    This role encompasses core product management responsibilities, commercialisation strategies, risk and governance oversight with a strong understanding and appreciation on related market regulations. 
•    A solution-orientated mindset that translates into clear framework guidance (including clear NO-GOs) based on client personas and needs, product capability, regulatory conditions and bank risk appetite is critical. 
•    Ensure client facing collateral relating to Paytech and Fintech propositions are maintained and up to date.
•    Work closely with group product, technology and operations to design and launch scalable solutions.
•    The role requires extensive collaboration with group-level and in-country product managers to ensure that the solution propositions are commercialized via the respective product lines.
•    Collaborate with senior leaders across the bank to secure buy-in and drive alignment for product initiatives.
•    Represent the bank in industry forums and events. 

Key Responsibilities

Strategy*

• Maintain a Current state position and Roadmap plan for Paytech solutions in collaboration with Frontline and Product management across Cash, FX, Digital Currencies and Assets.
• Drive execution of the product roadmap in collaboration with group product management teams. Prioritise based on commercial opportunity, market intelligence, client feedback and risk appetite.
• Evaluate current Fee and FX pricing models for this segment and refine / improve as needed.
• Stay ahead of market trends, emerging technologies, and regulatory changes to ensure the product suite remains innovative and relevant.
• Determine and assess partnerships needed to evolve the product offering for Paytech clients.
• Collaborate with senior leaders across the bank to secure buy-in for product initiatives and drive alignment with strategic goals.

Business*

• Be the subject matter expert in Paytech, engaging with Sales, Coverage and clients to understand needs, pain points and propose solutions.
• Analyse product performance using data-driven approach, identifying areas for improvement.
• Own and update the framework and guidelines on flows supported across markets and Paytech, Fintech, Digital Assets client personas.
• Partner closely with other Product Teams, such as FX, Liquidity Management, Digital Currencies and Assets to drive solutioning and cross-sell opportunities.
• Partner with in-country teams, to drive a holistic Paytech plan across prioritized booking locations.
• Collaborate with key country product managers to ensure product readiness before pilot / launch, including governance approvals, commercialization tool kits, product packs and training.
• Provide business solutions for complex deals or RFPs to drive sales and solutions.
• Represent SCB at client events, industry conferences and working groups.

Processes*

• Understand the end-to-end operating model across locations, while taking steps to improve points of friction in the client journey and potential failures from a risk management perspective.
• Work closely with Cash, FX and Digital Channels Product Management and Development, Technology and Compliance to ensure detailed business flows are documented.
• Look for opportunities to optimise the end-to-end product lifecycle, across processes.
• Participate and contribute to the various working group and committees to ensure Product related aspects are fully understood and addressed.
• Ensure client facing collateral relating to Paytech are maintained and up to date.

People & Talent*

• Lead through collaboration, influence, and client outcomes to drive superior results.
• Lead through example and build the appropriate culture and values. 
• Set appropriate tone and expectations amongst colleagues and work in collaboration with risk and control partners.
• Ensure active communication of vision, priorities, and progress to the business to foster engagement, awareness and motivation.

Risk Management & Governance

• Maintain a strong engagement model with CFCC and FCSO to ensure Paytech solutions are adequately understood, catered for, and approved.
• Represent Product in the respective PayTech Client governance committees and Cash Deal Reviews 
• Provide expertise to local teams in their engagement with local regulators for Paytech specific regulations or guidelines.
• Participation and quality outputs in the regulatory deliverables that Product needs to work on as part of the Group regulatory requirements.
• Willingness to ‘speak up’ in the event of any realized or perceived breach of group conduct rules or laws by colleagues.

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.

External

• Paytech and Fintech Clients 
• Regulators
• Fintech and other related Industry Associations 
• Competitors (for industry initiatives)

Internal

• CCIB Coverage, TB Sales, respective country/region Heads
• Technology & Operations 
• Digital Channels
• Central and regional / local product management
• CFCC and Legal 
• FCSO
   

Our Ideal Candidate

• The ideal candidate will have strong expertise in cross-border and cross currency payments, FX, virtual accounts, domestic payment clearing systems, on-behalf-of and nested payment flows. 
• 12 plus years’ experience in Banking (Payments) or a Fintech.
• Strong understanding of the regulatory environment within the Financial Services industry 
• Technical appreciation on payment message formats, APIs, embedded solutions etc. 
• Demonstrated relationship management, influencing, and negotiation skills
• A self-starter with a proactive approach to problem solving and execution capable of independently identifying opportunities and driving initiatives from concept to implementation
• Ability to prioritize and manage multiple deliverables across various stakeholders
• Displays flexibility and adaptability, with a willingness to take on new challenges and expand scope of responsibilities as business needs evolve

 Role Specific Technical Competencies

• Knowledge of Product Line
• Disruptive Innovation
• Business Performance Management
• Product Development Lifecycle
• Strategic Planning

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