Job Description

Role Responsibilities

Product Manager for unsecured lending business to drive product development and acquisition sales.

Responsibilities*

• To assist the Head of Personal Loan in driving unsecured lending business through digital partnership and portfolio management.
• Primary responsibility will be on ideation, design, process mapping and support new business growth which including cross sell programs to digital partnership and existing consumer base as well top up and anti-attrition strategy
• Able to perform data analytics to help business optimize its performance efficiency and maximize profit.
• Work with credit risk to improve the acquisition approval rate and risk framework policy.
• Monitor business financial performance (P&L) to ensure sustainable growth
• Coordination with internal stakeholders including credit, compliance, operations, marketing and service functions to enable the smooth roll out of existing and new portfolio management programs.
• Conduct market research and analyse customer performance with improvement recommendations.
• Familiar with local financial regulatory guideline.

KEY MEASURABLES

• Product ENR Growth
• Unsecured lending digital sales
• Product Revenue Growth

Regulatory & Business Conduct*

\xc2\xb7 Display exemplary conduct and live by the .

\xc2\xb7 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.

\xc2\xb7 Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders*

• Sales, Legal and Compliance, Credit Risk, Operations, CABM, Digital Banking, Retail Analytics, Project Management

ROLE SPECIFIC TECHNICAL SKILLS AND COMPETENCIES AND PROFICIENCY LEVELS*

• Product Management Core
• Process Core
• Credit Policy Core
• Financial Core

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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