Product Manager

The Role Responsibilities

• Development of new products, pricing policies and process improvement which includes development of new initiatives to sustain market competitiveness for both acquisition and retention of existing clients.
• Own end-to-end mortgage product value chain with a focus on product innovation, digital journeys and pricing optimization to ensure delivery of capabilities within budgets/timelines while ensuring the best-in-class client experience.
• Responsible for healthy portfolio growth, improving revenue, increasing client product holdings.
• Monetize capabilities and develop analytics to track performance.

Strategy

• Execute strategies for Retail Mortgage, consistent with the agreed CPBB strategy cascaded from line manager.

Business

• Deliver against the financial framework and portfolio actions to grow income.
• Enhance value propositions which are client-centric especially for the affluent segments.
• Portfolio management including developing gating strategy with differentiated servicing and pricing model and driving data analytics usage to improve client insights and engagement.
• Identify and remove blockages and ensure that smooth operating rhythm with stakeholders.
• Drive end-to-end digital adoption, sales and servicing.

Processes

• Continuous process improvement to simplify end-to-end processes to consistently deliver the best client experience. This includes developing and driving end-to-end digital adoption.
• Monitor implementation of policies and control standards set by risk control owners and/or Group policy owners, ensuring the business is in compliance and operating within risk tolerance and risk appetite.

People & Talent

• Collaborate and work closely with both internal and external partners to drive results.

Risk Management

• Highlight and address weaknesses across the end-to-end risk and control environment for Mortgage products.

Governance

• Maintain awareness and understanding the regulatory framework in which the business operates, and the relevant regulatory requirements and expectations.
• Understanding of the Group and Country policy including product program and credit policy to ensure the business is in compliance.

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.
• Lead the Singapore Retail Mortgage to achieve the outcomes set out in the Bank's Conduct Principles. Fair Outcomes for Clients, Effective Financial Markets, Financial Crime Compliance, The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• CPBB teams, Credit Risk, Credit Initiation, Channels, Operational Risk, Legal, Compliance, Finance, Operations, technology
• Client
• Government/MAS/ABS
• Vendors / Referrers

Our Ideal Candidate

• Degree and above.
• 3 + years of experience in a financial institution, preferably in Retail Clients / Retail Product & Project Management, with a good understanding of Mortgage, digital products and financials drivers.
• 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.
• Strong analytical and numerical skills.

Role Specific Technical Competencies

• Business Acumen
• Proficient in Excel
• Business Analytics
• Proficient in Macro

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.
Visit our careers website www.sc.com/careers