Job Summary

In Standard Chartered Bank’s Corporate & Investment Bank (CIB), our ambition is to be digital-first, making banking simple, 24/7, through our Straight2bank (S2B) Digital platform that serves our global clients across our 50+ footprint markets.

The Product Owner (PO) of Client Self administration shapes the future of how corporate clients manage access to their banking services.

As Product Owner, Client Self-Administration, you will own the vision and roadmap for capabilities that allow corporate clients to securely manage users, roles, entitlements, approval workflows, accounts and services on Straight2Bank.

Working across Cash, Trade and Financial Markets, you will simplify complex administration journeys, increase digital adoption and reduce manual servicing. You will also help shape the next generation of AI-enabled, API-first administration, with strong security, human oversight and regulatory controls built in by design.

This is a high-impact role with global exposure, combining client experience, product strategy, technology delivery and transformation, by working with senior partners across product, technology, operations, design, data, cybersecurity, risk and compliance

Key Responsibilities

Strategy

You will define and execute the product vision, roadmap, and backlog for Client Self-Administration. The scope includes user lifecycle, role and entitlement management, maker-checker and dual-control models, approval workflows, limits, account and service mapping, credentials and tokens, and audit trails.

What you will do

• Lead product discovery and end-to-end delivery with client research & insight, design, technology, operations, cluster digital channel teams, client services and risk & compliance partners to simplify how clients manage users, roles, entitlements, approval rules, limits, accounts and credentials.
• Translate client and business needs into intuitive, secure and reusable digital capabilities.
• Drive measurable improvements in digital adoption, straight-through processing, turnaround time, client satisfaction and operational efficiency.
• Build capabilities that can be reused across Cash, Trade, Financial Markets and assisted-service channels.
• Influence roadmap priorities, investment decisions, release planning and go-to-market execution across a complex global stakeholder landscape.
• Use client research, product analytics and experimentation to identify friction, validate solutions and improve outcomes.
• Provide product direction, coaching and constructive feedback to cross-functional squad members without formal line-management responsibility.
• Support adoption through clear communications, product awareness, training and engagement with frontline, implementation and servicing teams. 
• Shape AI-enabled and API-first administration journeys, with appropriate human oversight, explainability and auditability.

Business

•    As a Product Owner of Client Self Administration, you will translate business strategy into clear product outcomes aligned to TB client servicing goals. You will work with talented team members across Product Management, Technology and client service partners to develop your product all the way from a conceptual stage to the product launch. 

•    Drive client adoption of digital self-serve capabilities reducing reliance on operations and TB SAT teams.

•    Build global platform capabilities incorporating country and regulatory requirements

•    Manage stakeholder expectations across business, TB servicing, operations, product, technology, second lines and ensure robust risk and issues management 

•    Support regulatory remediation and audit commitments impacting S2B Platform Services.

Processes
•    You will have a key role in building innovative product capabilities, influence change, commercialize capabilities and enable our S2B Digital Platform Services in 50+ countries. You will be responsible to take the ideas through implementation in Agile Methodology as a “Product Owner”. You will continuously evaluate the ever-changing financial ecosystem and related emerging technologies in collaboration with our technology partners.

Key Responsibilities include:
•    Engage internal stakeholders and teams across CIB Business and Operations, DCS Technology, Compliance, Governance, Risk Management and Cybersecurity to align on the strategic development of end-to-end digital client journeys.
•    Own, refine and deliver the product roadmap for Client Self Administration (CSA) that include digital maintenance and Client Self-Administration (CSA) client journeys. 
•    Participate in the industry benchmarking exercises to obtain objective, data-driven insights that informs strategic product planning
•    Ensure healthy product backlog by getting into the details of existing capabilities, understand client needs and usage, ascertain business relevance and come up with a product release plan. 
•    Ensure omni-channel strategy by capturing client requirements across interactive and non-interactive channels and partnering with the Open Banking Ecosystem product team on key priorities and aligning to their product roadmaps.
•    Demonstrate product proficiency and develop Human centric user interface designs covering critical online banking flows such as transaction initiation, approvals, enquiries, reporting and other supporting flows. 
•    Work closely with cross functional squads in the DCS Digital Platform Services Hive and execute the end-to-end product delivery lifecycle covering conceptualization, business requirements, product solutions, meticulous quality checks, deployment to production and eventually, drive customer adoption of new digital client self-administration solutions. 
•    Articulate change requests with concise, comprehensive and high-quality user story writing

•    Work extensively with Client Insights & Research, CX/UX Design and Regional DCS and frontline teams in visualizing and building intuitive and innovative user flows to deliver best-in-class digital channel experience. Support client focused sessions to gather information on security concerns and client experience.
•    Work closely with internal and external vendor delivery teams, reinforce the business and delivery priorities, and deliver on the agreed business tasks such as user stories, business flow diagrams etc.
•    Assist the head of Digital platform services and/or Hive Lead in preparing status reports and capabilities document in articulating the key achievements / updates of the program to the senior management teams.
•    Provide advisory and training support to frontline, implementation, clusters on RFPs/RFIs and product awareness
•    Collaborate with relevant partners to provide effective external and internal communication to educate and create awareness of our of Client Self administration capabilities.
•    Support regular education and awareness efforts for both internal business stakeholders and clients through regular forums, discussions, events, training sessions and presentations.
•    Ensure service level agreement standards are met on a regular basis and are tracked through formal forums.

Risk Management

You take a proactive approach to risk management and on an ongoing basis will be identifying, assessing, monitoring, mitigating product risks related to your channel products. More specifically,

• Embed applicable internal policies and standards for access control, segregation of duties, CDD checks, data privacy, cybersecurity, audit and records-management requirements into product design and delivery. 
• Partner with Risk, Compliance, Security and Legal teams to assess product risks and secure the required approvals before launch. 
• Ensure API-based services follow agreed standards for authentication, authorisation, consent, encryption, resilience, versioning and audit logging. 
• Ensure AI-enabled and agentic CSA capabilities are developed with responsible-AI, privacy, security, model-risk, data-governance, access-control and records-management requirements embedded by design.
• Identify, escalate and resolve product, conduct, regulatory and compliance matters in line with the Group Code of Conduct and applicable policies. 
• Maintain open and cooperative engagement with relevant governance forums and regulators where required. 

Governance

•    Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight, and controls in the business and, if necessary, oversee changes in these areas
•    Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
•    Willingness to ‘speak up’ in the event of any realized or perceived breach of group conduct rules or laws by colleagues
•    Willingness to work with any local regulators in an open and cooperative manner.

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
•    Transaction Banking (Cash, Trade, Implementation, Operations, Client Servicing)
•    Financial Markets (products, operations, servicing)
•    Digital Channels Solutions (Cash, Trade, FM, Digital Servicing, Client Administration, Platform Common Services, Data Analytics & Insights, GTM, Channel Performance & Measurement)
•    Digital Channels, Data and Coverage Platforms (DDCP) – Client experience, Design, Research and Insights teams, API & Open Banking Ecosystems
•    TB COO, Project/Program Management Office
•    Technology (Interactive Channels, DCS Tech, Delivery Teams, Solution Architect Teams, Security Technology Teams)

Our Ideal Candidate

• 7 years’ experience with a proven track record of success in owning or delivering  client-facing digital products in transaction banking, financial services or another regulated industry.
• A proven record of taking client-facing products or transformation initiatives from discovery through delivery, launch and adoption. 
• Experience working on client post onboarding journeys such as security administration, digital channel access setups, client entitlements management, electronic bank account management.
• Ability to turn complex client, operational and control needs into clear product outcomes, roadmaps, epics and user stories. 
• Strong stakeholder management across business, technology, operations and control functions, including the ability to influence senior decision-makers. 
• Ability to use client insight, data and commercial judgement to prioritize opportunities, develop business cases and measure value. 
• Good understanding of Agile product development and the end-to-end product lifecycle.
• Exposure to conversational AI, agentic workflows, responsible-AI controls or human-in-the-loop design.
• API products, modular platforms, domain-driven services, event-based integration or cloud-native architecture. 

Role Specific Technical Competencies

• Product Management.
• Agile Product Ownership Certification Will Be Plus.
• Cash Management 
• Transaction banking products 
• Experience or certification in AI product management.
• Responsible AI, API product management or cloud-native architecture will be an advantage.

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