About the job
Awareness and understanding of the Groups 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
Product Development Activities
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
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
Ensure that the Portfolio operates within Bank Operational risk parameters including product audits and compliance
The ability to interpret the Groups financial information, identify key issues based on this information and put in place appropriate controls and measures
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 Groups 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 to achieve the outcomes set out in the Banks Conduct Principles
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
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
Embed Here for good and Groups 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
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.
About the job Purpose & Overall Relevance For The Organization This role is responsible for maximizing the profitability of own...Apply For This Job
About the job Job Role: Manager Talent Management and Acquisition Location: Dubai Reports to: Group Head of HR Our client...Apply For This Job
About the job Company Overview Henley Real Estate is a Dubai based forward-thinking organisation specialising in facilitating residential developments and...Apply For This Job
About the job Description Established in the region for 40 years, PwC has around 8,000 people in 12 countries across...Apply For This Job
About the job At Henkel, you can build on a strong legacy and leading positions in both industrial and consumer...Apply For This Job