Job Summary

Job Purpose
•    Part of Transaction Banking Cash, Deposits, Liquidity Management and Escrow Solutions team.
•    The team provides Cash Management solutions that include Cash Accounts, Savings Accounts, Client Account Solutions, 
     Sustainable Finance propositions, Liquidity Management and Escrow Solutions to CIB clients across the Bank’s geographies.
•    The TB Cash Product Manager role supports Global Liabilities Management in driving portfolio optimisation, pricing discipline, 
     and performance monitoring across the liabilities book. The role will drive deposit growth, ensure alignment with liquidity 
     frameworks and work with partners across different teams to deliver sustainable funding outcomes. 

Key Responsibilities

Global Remit for
Strategy
•    Balance Sheet Management 
•    Execute the liabilities product strategy aligned to bank-wide balance sheet and funding objectives
•    Drive deposit growth across currencies and client segments, optimizing portfolio mix. 
•    Translate liquidity and funding initiatives into actionable product interventions to support effective balance sheet execution.  

Business
Pricing management 
•    Support portfolio analysis across segments and currencies, ensuring alignment to commercial objectives. 
•    Monitor market developments and policy rate expectations, supporting pre and post decision communication.
•    Drive initiatives to improve portfolio and mix. 

Performance management and Analysis 
•    Portfolio analysis including balance movements, mix changes and client flows. 
•    Maintain active oversight of daily balance movements to support ongoing monitoring. 
•    Track portfolio KPIs, enhance reporting and derive actionable insights for the business. 
•    Investigate data anomalies in partnership with relevant teams, ensuring integrity and consistency of reporting.  
•    Support preparation of management updates. 

Processes
System and Platform enhancements
•    Support Portfolio Lead to drive execution of portfolio enhancements roadmap.
•    Participate in System Integration Testing, User Acceptance Testing and Post Validation review as required.

Commercialization 
•    Support initiatives linked to balance sheet optimisation and liquidity metrics.
•    Develop and maintain playbooks, training materials and client facing content.  
•    Support training, commercialization of initiatives including timely updates to internal platforms and sharepoint. 

People and Talent 
•    Build effective working relationships across functional teams to support delivery of Balance sheet initiatives.
•    Develop strong domain expertise and continuously strengthen analytical, commercial and product management capabilities. 
•    Contribute to a collaborative and inclusive team environment aligned to the Bank’s values.

Risk Management
•    Support Global Portfolio Lead across the various stages of product governance, from new product launch to product withdrawal (e.g Business case, Post implementation review)
•    Support product risk assessments and governance documentation updates.

Governance
•    Monitor regulatory developments across key markets and ensure alignment with internal liquidity policies. 
•    Support audit and regulatory reviews

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.
•    Lead the CIB TB Global Deposits Product Management to achieve the outcomes set out in the Bank’s Conduct Principles: Fair 
     Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment. 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders
•    Regional Product leads 
•    Data Analytics and Revenue Management 
•    Finance
•    Credit Portfolio Management 
•    Business Management 
•    Compliance and Risk
•    Sales
•    IT

Skills and Experience

•    Balance sheet and liabilities management expertise
•    Analytical and data interpretation skills
•    Financial and commercial acumen
•    Data tools proficiency
•    Portfolio risk and deposit governance

Our Ideal Candidate

•    Bachelor’s degree in Finance, Data Analytics, Economics or related field; 
•    8+  years in banking ideally in Transaction banking / Balance Sheet management/ Product management 
•    Strong analytical and data interpretation skills. 
•    Strong understanding of balance sheet metrics and regulatory frameworks.  
•    Proficiency in Excel/ Tableau/ data tools; experience with reporting platforms. 
•    High attention to detail, structured thinking and ability to work across different functional teams. 

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