Job Summary

• The role holder will be responsible for supporting the AMEE (\xe2\x80\x9cAfrica, Middle East, Europe\xe2\x80\x9d) Regional Head of Wealth Management Lending and Mortgages in the development of the strategic agenda, digital journey, and the P/L management of Mortgage products across AMEE Region.

Responsibilities

Product Management & Business

• Conceptualize and introduce new and disruptive product and solutions on an ongoing basis after assessing market potential, customer needs and competitive product range, in compliance with internal and external regulatory requirements. This entitles creating new business cases, writing Country Credit Addendums, PCA (Product Change Assessment) and PIR (Post-Implementation Review) papers when required.
• Develop strategy roadmaps for the business in collaboration with sales, credit, and operation teams.
• Work with Sales Team in driving Marketing Campaigns and developing Frontline tools where needed
• Achieve portfolio growth and performance targets through management of key financial elements including Sales, Interest & Fee Incomes, Cost of Funds and other Costs, Attrition and Provisions.
• Drive portfolio profitability through management of P&L constituents.

Processes

• Identify operational inefficiencies and support with process change implementation
• Drive Digital Investment Prioritisation Agenda for Mortgage Products across AME & UAE
• Develop and implement appropriate rules and guidelines to ensure that all internal and external legal, compliance and risk management requirements are met
• Review credit parameters and policies, provide feedback to management, suggest and initiate change as and when required to ensure products are competitive, and in line with changing market trends
• Proactively reviews of policies, processes, and procedures in anticipation of changing market conditions to seize market opportunities and manage risk exposure within acceptable market standards.

People & Talent

• Train Mortgage Advisors and Relationship Managers on Product Features available in-country and across the region
• Support Frontline with addressing Mortgage Product Queries

Risk Management

• Ensure adequate and appropriate systems and controls follow Group policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations and Finance to ensure:
• Ensure effective implementation of Risk Management framework throughout the organisation

Governance

• Embed the Group\xe2\x80\x99s values and code of conduct in the region to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
• Engage with all audit report findings in the countries and ensure feedback is acted upon

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group\xe2\x80\x99s 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.
• Lead the Business to achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.

Key stakeholders

• Group and Country Mortgage Heads
• Country CPBB and Affluent Heads
• Internal Stakeholders such as CFCC / Legal / Operational Risk
• External providers such as mortgage brokers and real estate developers

Other Responsibilities

• Promote an embed Here for good and the Group\xe2\x80\x99s brand and values in the Business
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Maintain effective communication with key stakeholders, including regulators and staff.

Our Ideal Candidate

• Bachelor\xe2\x80\x99s degree/University degree or equivalent experience
• 10+ years of relevant experience in CPBB business, credit, and product management
• Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
• Ability to work unsupervised and adjust priorities quickly as circumstances dictate
• Strong organisational and project management skills with excellent eye for detail.
• Consistently demonstrates clear and concise written and verbal communication
• Demonstrated analytical skills, problem-solving and decision-making skills
• Ability to work in a team-oriented environment

Role Specific Technical Competencies

• Business \xe2\x80\x93 Products and Processes
• Relationship Management
• Knowledge of Sales Channels
• Retail Product \xe2\x80\x93 Mortgage
• Planning: Tactical, Strategic
• Product Development Strategy

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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