Job Summary

• The Credit Cards business in Standard Chartered Bank UAE is a growing business line with core focus on customer growth and card value proposition. The shortlisted candidate will work alongside the credit cards team to work on initiatives related to product development and maintenance, customer growth and customer engagement. This role will require working extensively with business partners across various functions to implement initiatives and track performance of these initiatives for an effective business management strategy.

Responsibilities

Strategy

• This role will be responsible to work on the design and implementation of credit card business initiatives. The activities will cover product development and management, product lifecycle management and customer growth. It will require collaboration with stakeholders across various functions to ensure that such initiatives are in line with the overall business objectives and we are achieving the desired results.

Business

• The key responsibilities of this role include:
• Develop credit card products that suit financial & lifestyle needs of target segment, regular review of the proposition to ensure that our products are relevant and sustainable. This involves choosing product features, work with functional team on implementation of business requirements and oversee product development lifecycle
• Design and implement marketing plans to drive credit card sales, work closely with Sales on training and implementation of best practices to achieve business targets
• Support the team on initiatives related to customer growth. This includes end to end management of campaigns for new customer acquisition across various channels
• Review consumer behaviour and market trends to identify opportunities for product proposition and tactical campaigns, market research to identify customer preferences, competitor analysis, and industry trends, stay up to date with regulatory requirements
• Work closely with relevant teams to ensure that our digital platforms are working as per the product construct, work along with the digital team on the optimization of customer journey for a better customer experience
• Regularly assess the performance of credit card products, analyse usage patterns, evaluate profitability, monitor customer feedback and identify areas for improvement
• Engage with relevant stakeholders for effective governance and robust controls around product construct and processes
• Constantly evolve KPIs and performance dashboards that are aligned to strategic business objectives and can help senior management in decision-making
• iManagement of feedback / issues / complaints involving credit cards business

Processes

• Responsible for supporting the execution of credit card business strategy, working with relevant stakeholders across various functions to ensure that the end-to-end journey works seamlessly for the customers.
• Work with relevant teams to identify major customer pain points & streamline the processes

People & Talent

• Work with relevant stakeholders across the organization to deliver on business objectives

Risk Management

• 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

• Responsible for assessing the effectiveness of the Group\xe2\x80\x99s 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

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.

• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Good knowledge groups policies, standards, local regulations and legislations

Key stakeholders

The internal stakeholders include

• Marketing
• Retail Analytics
• Risk Management
• Technology
• Operations
• Legal and
• Compliance

The external stakeholders include

• Network partners
• Strategic partners
• Key vendors supporting business operations

Other Responsibilities

• Support in the digitization of customer onboarding and usage journey

Qualifications

• University Graduate
• Strong communication and negotiation skills with the ability to influence outcomes
• Networking ability to manage interdepartmental deliverables
• Strong inter-personal skills and leadership ability, which encourages and promotes enthusiasm and team spirit
• Good understanding of the business environment and ability to work with stakeholders across geographies
• Computer literacy.
• Adaptable to multi-cultural environment.

Role Specific Technical Competencies

• Product management
• Structured approach to project management
• Analytical skills
• Problem solving

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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