Job Description

RESPONSIBILITIES

Financial Performance and profitability

• Responsible for the payables and receivable related product P&L within the country Have clear responsibility over pricing for payables and receivable products and management of payables and receivable product key drivers.
• Work with the Country TB head in the management of the country ALCOs in alignment. Monitoring market changes and pricing strategies.
• Responsible for driving investment business cases and the business operating model for the product line
• Determine standard product pricing and monitor collection of fee and NII for the product line.
• Develop jointly with the Sales team a local strategy to meet country objectives, in line with the overall Transaction Banking strategy
• Conduct ongoing competitor analysis to capture the opportunities, mitigate the threats and deliver financial performance. Recommend and plan actions to build or reinforce our competitive edge
• Drive end to end product performance, improving efficiency through the e-agenda, straight through processing, ensuring scalability to grow

Product Management and Development

• Directly responsible for articulating the product strategy and executing product initiatives on the annual operating plan in the country for the product in conjunction with the Country Product head and/or Head of Product Cash.
• Directly responsible for understanding customer needs and develop the client value propositions that will address them across all client segments
• Driving launches of product enhancements, new products, as required for Cash. Work jointly with Sales and Marketing to develop collaterals for local market, communicate product launches, organize customer events and develop a sales campaign strategy to ensure that the new products meet planned volume and revenue targets
• Ensuring Sales/RMs training initiatives are executed in line with the product commercialization agenda.
• Act as the main conduit for championing to Central Product for the product line and Client Access all investment cases (BRD or PAR or its equivalent) for product development or enhancements and for local regulatory requirements

Commercialisation

• Responsible for commercialization of new product capabilities by ensuring commercialization plans, targets and infrastructure to maximize success for it launch
• Understand the needs of customers and prospects, and implement structures and solutions to meet these needs ensuring delivery of Cash,
• Provide ongoing support and training to TB sales, CIC, CB, GM, Risk and GTO staff to provide assistance to facilitate the closure of large or complex deals.
• Maintain high level client interaction. Approximately 20% of your time should be spent on client-related activities focused on strategic topics that help understand client needs and ensure an appropriate set of solutions delivered.

Leadership

• Be a lead market advocate for TB for the product line and seen as SME in the regional markets participating and representing the Bank in industry bodies and market forums. Build strong relationships with key regulators governing product line.

Process Governance

• Identify and mitigate the Operational, Credit, Regulatory and Business conduct risks relating to TB products within the country
• Ensure country compliance on Group standard for Audit, Control and financial reporting, including reporting of risks to BORF/CORGs or other relevant committees
• Work with operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition
• Ensure timely renewal of country addendums (CAs) to PPGs and proactively work with stakeholders to identify and quantify new and existing risks. Actively participate in NPC roll out and execution in the region.

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 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.

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