Director, Cash Product Management, TB
Responsibilities Manage, support and deliver the TB end-to-end product objectives within the country for Cash in alignment with global objectives for the product line, including financial and non-financial performance. From cash standing improvement in business and market position to product digitalization, productivity, service quality and efficiency growth. From strengthening risks and governance, cash business strategies to cross-bank collaborations in alignment with the Product Head for Cash and/or TB Head. Help to deliver financial performance against P&L, B/S within the country / region. Majorly from Liabilities, OPAC, Revenue, RoTEs. Improve cash standings through OPAC performance measurements and reduce sub-optimal liabilities as well as improve passthrough rates. Enhance CB / CIB business growth. Reprice clients on rates and fees. Increase digitisation, improve efficiency, productivity and service quality Eliminate least profitable product transaction volumes and cut 3rd party vendor costs. Drive electronic channel mitigation and outsource unprofitable products. Review the overall profitability of products and clients. Devise action plans and execute plans to reduce cost. Reprice least profitable clients and periodically monitor preferential / waived pricing particularly CB / CIB / TB clients. Add flexible fee charge methods or add new pricing charge item to grow fee income (e.g. monthly maintenance fee, threshold fee, relationship fee) Develop one stop bridge site and cultivate broadcaster communication mechanism to service stakeholders for better client management (e.g. receivables, payments, liquidity management, strategy, market intelligence, product roadmap) Coordinate and cooperate with PD on LuW and IA (Impact Analysis) to ensure maximum success of launch. Continue support internal parties from frontlines / Ops / Implementation / Legal / Channel to help facilitate the closure of large or complex deals. Requirements Bachelors degree preferably in a relevant discipline such as finance, commerce, business administration, etc. Fluent in verbal and written English and Chinese Knowledge of Banking & Finance and Technology Experience in project management Analytical skills 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. Apply Job!