Job Summary

• Awareness and understanding of the Group\xe2\x80\x99s business strategy and model appropriate to the role.
• Development and management of product propositions, positioning and targeting for building balances, acquiring main bank relationships and deepening relationships in banking portfolio
• Actively manage the retail deposits and mortgage balance sheet to ensure optimization of returns
• Drive Deposits and mortgage growth via various initiatives covering pricing, distribution, product differentiation
• Ensure balanced growth addressing Operations, Compliance and Service Delivery risks
• Business Operational Risk accountability for deposit and mortgage Products, as well as compliance with all wider operational and regulatory risk frameworks.
• Rollout global suite of standardized products in market
• Initiate design and development of best in class global product suite based on local needs by providing feedback on opportunity and co-creating globally scalable solutions with the central team
• Collaboration with key stakeholders (ID, Segments) in Retail Clients organization to provide direction on market opportunities and execution upon them.
• Build and leverage strong alliances and business partners network to crystallize differentiated brand propositions across client segments
• Work with Product Head to Develop relationships with external stakeholders, i.e. Developers, Mortgage Brokers, etc. to ensure the development of the Mortgage product
• Manage the delivery of regulatory changes in order that they are delivered timely with seamless client experience and in a cost effective manner.
• High level of critical thinking in cross-functional process analysis and problem resolution for new and existing products
• Regulatory Reporting, Internal MIS management & rates management

Responsibilities

• Product Development Activities
• Segmentation
• MIS Navigation
• Process Improvement
• CBUAE Reporting

Business

• Accountability for growth in business drivers and P&L of Retail Deposit & Mortgage Products; adhere to Mortgage Lending performance management standards
• Expand market share through ML sales volumes, Debit card spends and liabilities balances growth in conjunction with Segments teams
• Accountable for product management decision including marketing collaterals implementation, and ATL/BTL exposure in conjunction with Segments team
• Identify and present innovative and creative product solutions, pricing management and cost planning
• Liaise with ALCO on product/pricing proposal
• Improve market probe and customer satisfaction
• Develop analytical framework to analyze deposits and mortgage portfolio and suggest suitable portfolio actions
• Build and develop strong relationships with key stakeholders including segments, distribution, marketing etc
• Support the daily activities in terms of campaigns, complaints, operational issues and Service Quality related initiatives
• Drive service improvement and customer experience initiatives
• Identify business and operational requirements based upon the business requirements & objectives
• Lead the development, approval, training, and communication of new products/product changes and their associated customer, operational, system, & process impacts to the various internal organizations
• Oversight and liaison with credit risk on credit policy and acquisition strategy
• Develop & conduct specialized training on new products launched and raise awareness & application of relevant subject matter. Additionally, refresher trainings to ensure the product is understood by all stakeholders
• Provide support and represent Deposits & Mortgage for other departmental projects when required
• Strive to meet/exceed and maintain service levels
• Develop a marketing strategy with the marketing team to ensure objectives and interests of the product team are met
• Monitoring of the local competition and overseas markets to ensure product parity and opportunities and threats are identified
• Accurate and timely budgeting and forecasting

Processes

• Monitor internal processes for efficiency and validity pre & post product launch/changes
• Continually reviewing existing product range, processes and sales channels to ensure SCB products are aligned to our desired target segments
• Ensure compliance to operational procedures and controls in place
• Ensure compliance and adherence to the ORF/process universe

People & Talent

• Coordinate and build strong working relations with various internal stakeholders including credit risk, sales, marketing, operations, compliance, service quality, operational risk, all frontline staff, and retail product team and segments
• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the team and work in collaboration with risk and control partners
• Ensure up to date training and development assigned

Risk Management

• Ensure that the Portfolio operates within Bank Operational risk parameters including product audits and compliance
• The ability to interpret the Group\xe2\x80\x99s financial information, identify key issues based on this information and put in place appropriate controls and measures

Governance

• Adhere to internal and external regulations
• Ensure compliance to internal and external regulations
• Uphold Standard Chartered values

Regulatory & Business Conduct

• Display exemplary conduct and live by the

. * 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 to achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Sales Team, Policy, Finance, Operations (Country Ops and GBS), Product Team, Credit Risk, Operational Risk, Marketing, Legal, Compliance, Service Quality, Client Experience, Process Development Unit, Call Center Teams, Branches, Segments

Other Responsibilities

• Embed Here for good and Group\xe2\x80\x99s brand and values in Product Team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

• Professional depth in Deposits and/ Or Lending covering product development, acquisition, portfolio management, marketing and campaign management
• Excellent writing and communication skills
• Good Credit knowledge
• Understanding of in-market client product behaviours
• Good knowledge of the economic climate

Role Specific Technical Competencies

• MS Word
• RLS
• EBBS

About Standard Chartered

We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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.

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