Job Summary
We are seeking a highly experienced Product Owner to lead the design, development, deployment and continuous enhancement of the Product Provisioning stream within our Client Lifecycle Management transformation. This critical initiative will enable the Bank to enhance its risk management, improve client and employee experience and reduce turnaround time between product approval and these being live and usable.
The Product Provisioning PO will be responsible to work with the overall Product Provisioning PO Lead in defining the Product Provisioning capability vision, capabilities, roadmap, design, user stories and deliver the automated product provision for different products being onboarded by the bank across different client segments, tiers and jurisdictions.
Our ideal candidate brings a combination of in-depth experience across the CIB Client Lifecycle Management Journeys, CIB Product Knowledge or Exposure (E.g. Cash, Trade, Financial Markets, Lending), experience delivering Product Provisioning capability for similar Bank, with a critical focus on business value and demonstrated execution capability. They will have an ability to operate and interact at mid to senior executive level in a front office, middle office and back-office environment, while also being hands on at a very detailed level and driving the team to produce the program outcomes. As a key member of the organisation they will play an important role in defining and delivering the Bank’s future differentiating capabilities in CLM.
Key Responsibilities
The successful candidate will be a visionary with a strong product ownership experience & background, deep understanding of downstream product fulfilment and activation, capable of translating the strategic direction of our Client Lifecycle Management (CLM) future state and ensuring a seamless transition from approval to accounts being live and usable, across products, jurisdictions and fulfilment platforms.
• Capability Strategy: Define, articulate and implement the product vision & strategy for Product Provisioning capability, aligned with overall business, CLM Transformation objectives and roadmap.Future state design: Own the target design for the Product Provisioning & Activation
• Future State Design: Own the target design for the Product Provisioning functions, features & user stories, covering the data requirements, integration to upstream to receive the data and downstream systems to provision, activate and enable the product, orchestration rules requirements to orchestrate the Product Provisioning in alignment to the E2E Onboarding journey. Take ownership to coordinate with upstream and downstream teams to align on the design.
• Solution Architecture: Collaborate closely with Technology colleagues to define the required solution architecture (High Level & Detailed) to support the Product Provisioning requirements. This includes data requirements for Product Provisioning, sourcing of the data from upstream systems, orchestration requirements to orchestrate the Product Provisioning tasks, & publishing the data to downstream systems for automated provisioning and enablement.
• Platform Implementation: Prioritise the capabilities & user stories based on the roadmap and work with the technology team to build & deliver the target state capabilities for each sprint; take ownership on working with respective upstream and downstream teams for testing & deployment activities till go live. The role will be responsible to create different artefacts required as part of the platform implementation.
• Business and Process: The Product Provisioning Product Owner will be responsible for ensuring the future state design and platform strategy directly translates into measurable business success. This role requires a strong commercial mindset and a deep understanding of the operational realities of automating Product Provisioning as part of the E2E Client Lifecycle Management.
• E2E Client Lifecycle Management Experience: With a strong awareness of the E2E Client Lifecyle Management for CIB business segment, the appointee will work closely with the overall case management & orchestration and product provisioning leads to detail out the design for Product Provisioning Orchestration process tightly integrated into the overall E2E Onboarding journey. Ensure the Product Provisioning & Activation Orchestration process is designed to address some of the key challenges, driving some of the key business metrics around TAT, Efficiency etc.
• CIB Product Business Knowledge & Exposure: The appointee will come with adequate knowledge and exposure to different product groups and sub-groups within the CIB business segment. This will be critical to get a head-start in detailing out the data requirements for Product Provisioning, sourcing of the data from upstream systems, understanding of the platform ecosystems, orchestration requirements to orchestrate the Product Provisioning & Activation tasks, & publishing the data to downstream systems for automated provisioning, account activation and channel enablement. Product Provisioning & Activation
• Integrations: The Product Provisioning Product Owner is accountable for automating the E2E Journeys/process that is currently partially manual, requiring building integrations across different downstream platforms. The appointee will have adequate knowledge and experience delivering similar integrations for other similar banks.
• Processes: The Product Provisioning Product Owner will support the overall Product Provisioning stream Lead from ideation to delivery, with a keen focus on process excellence and governance. This includes:
• Governance and Standards Adherence: Ensure the design and delivery of the CLM future state and its platforms align with Bank Standards and prevailing data governance standards. This includes adherence to internal controls, risk management frameworks, and technical architecture principles to ensure a robust and compliant solution.
• Innovation and Efficiency: Proactively identify and incorporate new and novel techniques, including AI, to drive process efficiencies within the CLM lifecycle. The goal is to reduce operational costs, streamline workflows, and enable faster time-to-value outcomes for the bank.
People and Talent
The PO holds a critical mandate for building and managing a high-performing team to deliver on the strategic objectives outlined in this job description. The PO is accountable for:
• Team Structure and Performance: Assess the current team's capabilities, identify skill gaps, and taking decisive action to align talent with the needs of the future state CLM program.
• Talent Development and Succession Planning: Build and foster talent within the team by providing coaching, mentorship, and career development opportunities. Create a culture of continuous learning and proactively build succession for key roles to ensure long-term stability and team continuity.
• Compliance and Policy Adherence: Ensure all team members are compliant with Bank policies and mandatory training. Uphold the highest standards of professional conduct and ethical behaviour, fostering an environment of trust and accountability.
• Performance Management and Motivation: Establish and communicate motivational and challenging targets for the team. Regularly review performance, provide constructive feedback, and celebrate successes to drive a high-performance culture focused on achieving business goals.
Risk Management
The PO is a data risk owner for the CLM future state program, responsible for proactive risk identification, management, and communication.
• Risk Framework Adherence: Ensure strict adherence to all Bank policies, risk frameworks, and regulatory standards. Embed a risk-aware culture within the team and ensure that all product and platform decisions are made with a clear understanding of potential data risks.
• Proactive Risk Identification and Mitigation: Identify and assess both current and emerging (horizon) risks.
• Quantitative and Qualitative Risk Analysis: Utilize a robust quantitative and qualitative methodology for data risk management. This involves assessing the probability and impact of risks, documenting them thoroughly, and maintaining a transparent risk register in conjunction with the CPO and Programme Manager.
• Continuous Monitoring: Implement a process for the continuous monitoring and reassessment of risks throughout the program lifecycle, ensuring that risk management is an ongoing, dynamic process rather than a one-off activity.
Governance
The PO is a key leader in the governance of the CLM future state program, ensuring all activities are conducted with the highest standards of oversight, transparency, and accountability.
• Bank Governance Standards: Adhere to all Bank governance standards and reporting oversight for all program activities, including product development, platform delivery, and operational changes.
• Policy and Compliance Adherence: Ensure that the program, the teams, and all deliveries strictly adhere to Bank Policies, including the Code of Conduct; Fair Outcomes for Clients; Effective Financial Markets; and Financial Crime Compliance.
• Regulatory Appraisal: Remain current with prevailing pertinent regulation to ensure the future state data design and platform strategy remain compliant and resilient in a dynamic regulatory landscape. This includes proactively identifying how new regulations will impact CLM data and building these considerations into the product roadmap. The PO should proactively engage CFCC and Regulatory SMEs for these insights.
• Reporting and Transparency: Maintain clear and transparent reporting on program progress, risks, and dependencies, providing regular updates to all governance committees and executive stakeholders.
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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
• CLM-T Chief Product Owner
• CLM-T Programme Director
• Business Line COOs
• Coverage operations leads
• Technology partners including Coverage CIO
• Head of DDCP: The Accountable Executive
• Chief Data Office
• CFCC
• TB, FM, Lending, Product COO
• Product Technology Partners
Other Responsibilities
Embed Here for good and Group’s brand and values in Singapore DDCP Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);
Our Ideal Candidate
• 5 + Years of proven experience in designing and delivering automated product provisioning and activation capabilities, covering the journey from product approval through to accounts being live and usable across multiple products and jurisdictions.
• Hands on experience across Client Lifecycle Management journeys, with a clear understanding of how provisioning integrates with case management, orchestration, and onboarding to drive improvements in turnaround time and operational efficiency.
• Demonstrated ability to define data requirements, source data from upstream systems, and enable downstream activation through orchestration rules, integrations, and enterprise scale platform solutions.
• Extensive experience operating as a Product Owner in Agile environments, owning product vision, roadmap, epics, features, and user stories, and working closely with technology teams to deliver complex capabilities into production.
Role Specific Technical Skills and Competencies
• Product / Service subject matter expertise
• Product delivery lifecycle experience using Agile Ways of Working (Scrum, Kanban, Lean, etc…)
• Understanding Customer Needs (research, insights & communication)
• Data driven decision making & product analytics
• Business plan – design and execution (tactical and strategic)
• Marketing Strategy and Positioning
• Stakeholder management and communication
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.
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