Standard Charteredposted 3 days ago
Full-time • Mid Level
Bangalore, IN
Credit Intermediation and Related Activities

About the position

Own end-to-end delivery of key Debit card and Mobile Wallet (Debit & Credit) payment initiatives with a focus on Product Innovation, Digital Journeys with the aim to ensure delivery of capabilities within budgets/timelines while ensuring the best-in-class client experience. Lead new product development and enhancement of existing products/features for Debit Card and Mobile Wallet capabilities in-line with the overall group retail products strategy. Drive product and journey standardization for Debit Cards and Wallets globally. Monetize capabilities and develop analytics to track performance.

Responsibilities

  • Oversee the entire product delivery lifecycle, including planning, execution, and monitoring of product development initiatives.
  • Develop and manage detailed project plans, timelines, and resource allocation to ensure products are delivered on schedule and within budget.
  • Identify potential risks and issues throughout the delivery process and implement mitigation strategies.
  • Build and prioritize product backlog in terms of user stories to achieve business goals; continuously keep the backlog up to date.
  • Facilitate communication and collaboration among Technology colleagues with the Hive Lead, Chapter Lead and other Product Owners in cross-squads responsible for related products to align on roadmaps, priorities and dependencies.
  • Ensure high degree of stakeholder management to enable all requirements and deliverables are correctly understood, planning is up to date, priorities are reaffirmed, and stakeholder expectations are appropriately managed.
  • Establish quality standards and benchmarks for product deliverables and ensure that all products meet those standards before launch.
  • Understand card network and wallet digitalisation ecosystem, well abreast of key business metrics that drive successful debit card and wallet performance.
  • Identify areas of improvements and implement changes to enhance product features, user experience and profitability.
  • Monitor industry trends and regulatory changes to ensure products remain compliant and competitive.
  • Work with markets for commercialization and monetization of the capabilities, helping to increase product adoption.
  • Evaluate processes for optimisation of technical stack and automation of back-end processes for end-to-end Straight Through Processes.
  • Proactively provide inputs into squad team evaluation and performance review on a regular basis.
  • Work with Hive Lead, dynamically allocate resources within the squad and align with stakeholders based on squad backlogs, resource needs and expected delivery timeline.
  • Define the set of necessary competences in the squad with Hive Lead / Chapter Lead, highlighting missing competencies and ensuring fulfilling these in timely manner.
  • Maintain close partnership with cross functional teams including technology, legal, compliance, risk, local markets, card network partners etc in daily operations.
  • Ensure that all delivery processes adhere to SCB's policy and regulatory requirements.
  • Identify potential risks in the delivery processes and develop strategies to mitigate them.
  • Stay updated on industry regulations and best practices related to card issuance and delivery.
  • Ensure timely, and quality (error free) submissions, as needed for internal governance forums like QPRs / MPRs.
  • Ensure that all the applicable and relevant standards and policies are duly met to ensure there are no regulatory / compliance lapses.
  • Act as a governance leader promoting the highest levels of ethical 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.
  • Lead the country / business unit / function/team to achieve the outcomes set out in the Bank's Conduct Principles.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Requirements

  • At least 8-10 years of experience in a financial institution, preferably in Retail Clients / Retail Product & Project Management.
  • Good understanding of debit card and wallets products, payment processing systems and financial drivers.
  • PMP/Agile certification would be preferred.
  • Excellent analytical, problem-solving, decision-making skills, meticulous and independent.
  • Ability to deal with uncertainty situation and derive the best outcome to push forward the initiative progress.
  • Strong understanding of payment schemes, network association, card regulations in APAC/AMEE region.
  • Understanding of and delivery under Agile framework.
  • Strong financial management capabilities: budget tracking, planning, forecast and variance explanations.
  • Good interpersonal and communication skills: networking, negotiation and influencing.
  • Positive attitude with the capability to work under pressure and deliver on multiple deadlines.

Nice-to-haves

  • Business Acumen
  • Business Analytics
  • Agile way of working
  • Digital Journeys
  • Card and wallet ecosystem

Benefits

  • Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
  • Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months 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.
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