Product Owner, Retail Payments

Job Summary

• Develop market leading payment technology product proposition across remittances, mobile/wallets and emerging payment channels and ensuring effective deployment across the SCB network.  
• Lead new product development, enhancement of existing products/features and product management for payments in line with the overall group retail deposit products & segment strategy. 
• Lead business requirements for system development & implementation 
• Lead payment standardization for retail payments globally
• Monetize capabilities and develop analytics to track performance. 

Key Responsibilities

Build Standard best-in-class Payments proposition for SCB Retail Banking thru: 

• Develop competitive P2P domestic, wallet integrations, e-comm authentication solution – Look at leveraging new age technology solutions.
• Partner card schemes including incentive deals, 3rd party vendors to deliver superior payments capabilities (Manage Visa/Master/UPI for payments, Apple, Google, Samsung, Fintech, etc.)
• Manage payment product launch from conceptualization to full commercial implementation. Proactively connect with partners & industry experts to gauge the trend and create proposals to adopting new tech and tie up with new partners to launch leading payment products.
• Define system requirements for new products/features/CVPs and work with Technology to ensure that the same is built once as a standard and implemented globally.
• Ensure effective rollout of capabilities across markets by working with geographic multifunctional teams.
• Monetize capabilities and develop analytics to track performance.
• Closely work with countries to understand the new developments in the market including regulatory changes and continuously review the global product standard to ensure that new developments, changes including best practices are embedded into the global product standard and made available to all relevant countries globally.

Governance

• Ensures timely, and quality (error free) submissions, as needed for internal governance forums like QPRs / MPRs
• Ensures that all the applicable and relevant standards and policies are duly met to ensure there are no regulatory / compliance lapses

Skills and Experience

• Payments experience in one or more of following: remittance, local payments, wallets, card on file, ecom authentication
• At least 10-12 years of experience in a financial institution, preferably in Retail Clients / Retail Product Management, Digital banking with a strong understanding of product design, systems, technology and financials drivers.
• Understanding of and delivery under Agile framework

Qualifications

• Business Acumen    
• Business Analytics    
• Agile ways of working    
• Digital Journeys    

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 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 - everyone feels respected and can realise their full potential.