Job Description

Description - External
Role Responsibilities
Job Purpose

• Business Banking (BB) provides a suite of Lending, Cash Management, Insurance, and Investment products to support the banking needs of companies in Singapore.
• This is a product management role that covers all BB products. You will need to support/co-create initiatives that drive products take-up under your oversight to achieve growth in financial performances. You will need to ensure that your assigned products remain relevance to meet the needs of BB clients. You will also be involved in process improvement projects to optimise the delivery of the products.
• This role reports directly to Head, Product & Segment, Business Banking and will work closely with key stakeholders such as Group BB, Sales, Credit, Operations, Legal, Marketing, Governance and Compliance teams to roll out product initiatives in a timely and effective manner.

RESPONSIBILITIES
Role & responsibilities

• Responsible for executing end-to-end product initiatives in alignment with the business budgets and country credit policies
• Supports and expand product enhancements and commercialisation of new initiatives
• Work jointly with internal and external stakeholders to drive business acquisitions and revenue growth

Product management and development

• Explore new revenue streams, commercialisation strategy and grow market share
• Manage all product related queries from stakeholders
• Understands customers\' needs and develop client valued propositions
• Articulates product strategies and drives key initiatives
• Manage new product launches and product enhancements
• Provides training to stakeholders including Sales, Call Centre, Operations

Financial performance and profitability

• Conduct on-going competitor analysis to capture opportunities and mitigate threats
• Develop product and sales strategy jointly with stakeholders to achieve budget objectives
• Determines product pricing to meet product profitability targets
• Improve process efficiency through digital transformation to scale business growth

Risk, Compliance & Governance

• Work with Risk, Compliance & Governance teams to design optimum client on-boarding and management polices
• Address Operational risks and Business risks related to the product.
• Work with Operation teams to improve client servicing standards
• Handle client management issues on the product

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

• The key stakeholders are Group BB, Sales, Credit, Operations, Legal, Marketing, Governance and Compliance teams

Our Ideal candidate

• Possess strong analytical, articulation and presentation skills
• Strong drive for results, able to plan, manage and follow through initiatives
• 2 + years of experience in BB Lending or Cash Management products
• Has credit risk management experiences
• Adequate understanding of the various computer systems within the Bank.
• Has experiences with local banking rules and guidelines

ROLE SPECIFIC TECHNICAL COMPETENCIES

• Knowledge of Product Line
• Data Analysis Tools
• Product Development Strategy
• Lending Processes and Standards
• Portfolio Management for Retail Bank
• Data Gathering

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 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.

Visit our careers website www.sc.com/careers

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