This role could be based in Singapore and India. When you start the application process you will be presented with a drop down menu showing all countries, Please ensure that you select a country where the role is based.

JOB SUMMARY

Lead the Retail Lending Hive within Retail Products & Propositions (RDPP) Domain, to shape and deliver market leading lending propositions across Mortgages & Personal Loans. The role drives digital product journey strategy, risk-control adherence and customer experience optimization. It also ensures lending offerings meet evolving customer needs and contribute meaningfully to the Bank’s growth in Affluent & International Banking segments and Returns aspirations. 

RESPONSIBILITIES

•    Define the Retail Lending Hive’s Vision, Mission and Strategic objectives.
•    Lead the design & embedment of an effective Retail Lending Hive with strong alignment to Hive’s strategic purpose & goals.
•    Define & execute the Retail Lending Hive’s strategic roadmap across Mortgages & Personal Loans that aligns with RDPP Domain and Bank’s objectives.
•    Actively drive alignment of business stakeholders and technology partners to the Hive’s strategic roadmap.
•    Lead cross-functional squads, define clear OKRs and drive continuous prioritisation of Retail Lending Hive’s backlog to enable effective delivery within RDPP domain in support of WRB priorities 
•    Promote agile culture, empowerment, continuous learning & psychological safety within the Retail Lending Hive
•    Own the overall product quality and outcomes by adoption of key agile processes (e.g. DOR & DOD)
•    Have awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
•    Proactively and courageously identify, analyse, and steer solutions on organizational impediments and constraints to productivity, quality, early risk mitigation, and continuous delivery of value.
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct.

Hive Strategy & Vision

•    Take ownership of defining the Retail Lending Hive’s purpose and ensure Hive members fully understand and embrace the Vision, Mission & Values
•    Own & define Retail Lending Hive’s product vision and strategy supporting the development of differentiated offerings and digital product journeys serving Affluent & International Banking segments. 
•    Closely collaborate with Solution Architect, to craft a clear and easy-to-understand product roadmap facilitates the achievement of Hive’s product strategy.
•    Cultivate a culture based on trust, psychological safety & collaborations. 
•    Build and maintain close rapport with key stakeholders ie Domain Tech Lead, Engineering Leads, Solution Architects, UI/UX Designers, Business stakeholders to influence outcomes.

People & Culture
•    Lead cross-functional squads to effectively deliver on Hive’s strategic objectives & OKRs.
•    Instil a high-performance culture and true “self-organizing” team by empowering Squads, celebrate achievements, learning from review/feedback and conducting retrospective for continuous improvement.
•    Coach & mentor Product Owners (PO’s) to continuously uplift PO’s capability and elevating their performance to drive team success.
•    Champion and integrate a culture of evidence driven decision making.
•    Continuously promote agile culture, empowerment, continuous learning and psychological safety within the Retail Lending Hive.

Product & Proposition Journey Ownership

•    Champion the voice of the customer.
•    Oversee the entire product journey lifecycle, guiding it from inception and validation through development, delivery, operations and continuous iterations.
•    Define clear OKRs that aligns team delivery with Hive’s and RDPP Domain’s strategic objectives.
•    Work closely with stakeholders to ensure that Hive backlog is aligned to business’s values and OKR.
•    Lead the prioritization and trade-off discussions with relevant stakeholders in Quarterly Hive BRP sessions and offer strategic direction.
•    Accountable for ensuring compliance and risk adherence of products and service, engage with stakeholders to ensure necessary controls are adhered to and approvals are obtained. 

Product Discovery and Experimentation

•    Optimize business value of the product or service by ensuring timely delivery of the right solutions based on customer validated and business viable features and initiatives.
•    Utilize data analytics / feedback to generate ideas or identify opportunity of improvement and validate these ideas or opportunities using discovery canvas toolkit or lo-fi prototype.
•    Instil MVP approach or fail-fast concept which allows the Squads to achieve result/output with minimal investment or effort.
•    Lead and encourage cross-domain learning to enrich product discovery phase.

Product Delivery and Execution

•    Adopt and embed both Change Delivery Standard (CDS) and Group’s Enterprise Software Delivery Lifecycle (eSDLC) throughout the lifecycle of the product or service.
•    Utilize enterprise tools like ADO, to manage, plan/track hive backlog items.
•    Monitor core efficiency metrics (ie Speed-to-Production, Say-Do ratio) and identify potential blockers/challenge which could result in delays.
•    Manage a clearly defined, transparent and strategically prioritized backlog for the Hive that aligns with fixed capacity operating model.
•    Perform sprint retrospective and review sessions with squads to encourage a growth mindset and continuous improvement.
•    Work closely with RDPP Domain Lead to continuously challenge, review and improve delivery effectiveness (delivery velocity & quality) to lift Retail Lending Hive & RDPP Domain’s value realization to WRB

Product Analytics

•    Adopt benefit realization mindset by leveraging on metrics to maximize value creation.
•    Define and refine Hive’s OKRs, leveraging data-driven insights to ensure that the Group’s objectives are tightly aligned with overarching Business goals.
•    Proactively identify and ensure that all journeys, features are performance managed.
•    Leverage in app behavioural analytics tools like Adobe to track CX and optimisation.

•    Identify and define data sources which can be used to validate and measure the performance / efficiency of the product / service.
•    Ensure the data is available for analysis and collaboration with analytics and data technology teams.
•    Perform regular review of Hive level metrics on Predictability, Quality and Squad Sentiment, provide guidance and support to the team to improve value delivery.

Technical Capabilities and Excellence

•    Champion and drive an accountable & sensible technical direction to build reusable, scalable and interoperable solutions that integrate with existing investments. 
•    Actively collaborate with technology partners, to make timely decisions on solution designs & architectural reviews to effectively balance regulatory compliance timelines, business value realization and technical debt mitigation. 
•    Establish alignment across tech community to ensure capabilities are developed with a future proof focus.
•    Adopt best practices in Agile framework to line up and deliver the backlog items.
•    Actively support & coach PO’s to identify dependencies in the planning phase and secure contract ahead of development as part of technical DOR

Key Stakeholders

•    Product Owners
•    Squad & Hive members
•    Domain Leads
•    Domain Tech Leads
•    Engineering Leads
•    Technology Chapter Lead
•    Solution Architects
•    PO Chapter members & Leads
•    UI/UX Designers
•    Business Stakeholders

Our Ideal Candidate

•    12+ years of experience in lending or credit products in a retail bank or fintech environment 
•    Track record in leading product innovation, building & maintaining digital customer journeys and/or digital transformation
•    Strong people leadership & experience in agile, hive-based delivery models 
•    Strong understanding of credit risk, regulatory expectations and lending economics, preferred
•    Bachelor's degree in Business, Finance or a related field (or equivalent experience)
•    Customer-centric mindset with a passion for delivering high-quality products that meet or exceed customer expectations and drive business value
•    Strong understanding of Agile principles and methodologies, including Scrum, Kanban, or Lean, and experience working in agile development teams
•    Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams, stakeholders, and customers
•    Analytical mindset with the ability to prioritise competing demands, make data-driven decisions, and adapt to changing requirements and priorities
•    Ability to influence and motivate team members, foster a culture of innovation and collaboration, and drive results in a fast-paced environment
•    Knowledge of product management tools and techniques, such as user story mapping, personas, MVP, and other product roadmap development
•    Familiarity with SDLC processes and methodologies is a plus
•    Strong problem-solving skills and a proactive approach to addressing challenges and overcoming obstacles in product development and delivery

Role Specific Technical Competencies
•    Lending applications and technologies
•    Software Product Delivery
•    Agile Transformation & Delivery
•    Product Development

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