Job Summary

The Product Owner (PO) is a sole person (not a committee), who is responsible for owning the end-to-end customer journeys and product vision & lifecycle. They have delegated authority and empowerment to prioritize the product backlog to maximize the value of our products or services for both our customers and our business. Their core ethos is to make informed decisions to ensure each investment decision results in the maximum (as measured by OKRs) outcome balancing both short-medium- and long-term horizons. The Product Owner is responsible for maximizing the value of digital products and ensuring that digital journeys meet global standards for consistency, scalability, and customer outcomes. The PO being the lead of Digital Chapter collaborates closely with other chapters to embed channel standards and principles into the product lifecycle, while maintaining a focused role in product delivery. 

Their responsibilities can be classified as:
•    Product Leadership, Engagement & Strategy
•    Product Discovery & Experimentation
•    Product Delivery & Execution 
•    Product Analytics
•    Technical Capabilities & Excellence  

Key Responsibilities

Product Leadership, Engagement & Strategy
•    Empowered with necessary business leavers to influence real outcomes.
•    Own the product vision and lifecycle, ensuring alignment with Digital Chapter standards for consistent channel experience, reusability, and scalability. 
•    Define “what good looks like” for mobile/online journeys. 
•    Inspire and coach the squad to embrace mobile-first principles and global standards. 
•    Foster a culture of trust, psychological safety, and collaboration.
•    Accountable for overall channel consistency, scalability, reusability and run the regular forums to govern the critical initiatives to be aligned to our standards.
•    The PO is responsible for owning the product journey, vision across the entire product life cycle, from inception, validation, build, delivery, run & iteration.
•    Maintain a commercial lens over the product, understand and communicate with relevant stakeholders on the commercial performance metrics and viability of products.
•    Accountable for creating a transparent, clear and easy to understand product vision. 
•    Own the ‘WHY’ and ensure all members of the squad understand and embrace the vision & mission. The why should be closely aligned to the organizations over all goals and ambitions. 
•    Set goals for the squad and create actions plans to target
•    Coach & mentor squad members to continuously uplift capability  
•    Own, maintain & constantly optimize the product roadmap & product backlog  
•    Foster a culture based on trust, psychological safety & collaboration 
•    Accountable for ensuring compliance and risk adherence of products and services, engage with stakeholders to ensure necessary controls are adhered to and approvals are obtained. 

Product Discovery & Experimentation
•    Lead evidence-based decision-making and design sprints, incorporating Digital Chapter guidelines for mobile experience and component reuse. 
•    Ensure customer interviews and usability studies reflect mobile standards and global flows. 
•    Embed MVP culture and leverage technical discovery to align with mobile architecture and standards.
•    Leverage design thinking and customer jobs-to-be-done frameworks to synthesize and identify themes or opportunities
•    Conduct customer interviews to capture customer voice and verbatim feedback 
•    Produce lo-fi prototypes and conduct usability studies to find resonance with customers.
•    Utilize a discovery canvas to bring discovery storytelling to life within a standardized structure 
•    Conduct technical discovery studies to leverage existing investments & where necessary build out technical solutions that are complementary, scalable & cost efficient.

Product Delivery & Execution 
•    Coordinate the Digital Channel Design Council for quality checkpoints and adherence to mobile principles. 
•    Sign off on shippable products only after confirming compliance with mobile standards and Digital Chapter requirements. 
•    Limit direct involvement in day-to-day delivery execution; focus on governance, alignment, and standards adoption.
•    Leverage to enterprise tools like ADO to manage the sprint and overall product delivery 
•    Align with technology architects on the target solution design to minimize technical debt.
•    Accountable for signing off on the shippable product once it has met DOD (all acceptance criteria) and passed testing standards on functionality and performance. 
•    Conduct pre go-live demos for stakeholders and align necessary support functions to ensure a smooth transition and go-live 
•    Conduct regular retrospective and review sessions to embed a growth mindset where the squad is constantly looking for ways to improve the way we deliver products. Learn and share with the wider PO community.
•    Manage a well-articulated, communicated and rationalized backlog with adequate funding and commercial support to ensure ongoing growth.

Product Analytics

•    Align OKRs and KPIs with Digital Chapter objectives (e.g., design standard alignment, component reuse, mobile adoption). 
•    Ensure journey-level dashboards and analytics are in place to measure customer outcomes and mobile performance.
•    Ensure the data is made available for analytics through collaboration with analytics & data technology teams. 
•    Instrument customer journeys to obtain usability metrics and customer behaviors 
•    Continuously monitor dashboards and reports to feed product discovery sprints

Technical Capabilities & Excellence
•    Partner with technology architects, development and quality assurance chapters to align to the organization’s overall business and technology direction and standards.
•    Drive adoption of approved tools, processes, and ways of working as defined by the Digital Chapter. 
•    Prepare and Lead Digital Chapter Design Council meetings regularly.
•    Build, maintain and grow a knowledge base of technical decisions, definitions and designs.
•    Guide and ensure the squad is adopting the approved tools and ways of working in their day to day activities.
•    Drive an accountable and sensible technical direction to build reusable, scalable and interoperable solutions that integrate with existing investments.
•    Build alignment across the tech community to ensure capabilities are developed with a future proof focus.
•    Adopt agile processes to line up and delivery the backlog, identify dependencies in the planning phase and secure contracts ahead of development as part of technical DOR.
•    Manage feature release activities along with the organizations SDLC processes. 

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

Skills and Experience

•    Experience in global diverse organisation in building overall capability and technical expertise for 8+ years 
•    Leads min of 1-2 initiatives for the Hive 
•    Application SME 
•    Experience in industry bench marking for technical skills 
•    Ability to articulate the overall vision for the Chapters and ensure upskilling of the organisation holistically 
•    Experience in identifying skill gaps and mitigate risks to deliverables 
•    Bachelor’s degree in business, Finance or a related field (or equivalent experience) 
•    Previous experience as a Product Owner or similar role in banking product delivery using agile framework 
•    Customer-centric mindset with a passing for delivery 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 
•    Leadership qualities with the 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 
•    Relevant certifications to demonstrate expertise and commitment to the field e.g., PSPO I, PSPO II, CSPO 

Role Specific Technical Competencies

•    Tech Depth
•    Software Product Delivery
•    Enterprise Change Delivery 

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.