**Job***: Retail Banking**Primary Location***: Asia-Malaysia-Kuala Lumpur**Schedule***: Full-time**Employee Status***: Permanent**Posting Date***: 22/Aug/2023, 1:52:38 AM**Unposting Date***: Ongoing**Role Responsibilities**Head, Product & UsageKey result areas for the individual are:- Develop and champion card product strategies for MY card business- Optimize credit card product suite to achieve revenue targets and capture market share.- Manage product's end-to-end process flow i.e. rectify process gaps and initiate process improvement strategies to enhance customer experience & improve operational flow.- Lead & manage strategic initiative to drive credit card usage/spend, which includes developing and executing marketing campaign for credit card usage.- Analyse partnership opportunities, formulate strategy to meet profitability targets and maintain competitiveness- Liaising with different internal stakeholders (operations, credit, L&C, marketing) to ensure that all card programs run smoothly- Market monitoring and survey to ensure product parity and opportunities and threats are identified and quickly develop action to address- Develop organizational resilience and competitive advantage through people initiatives- Ensure product & usage activities and processes are carried out efficiently and are fully compliant to internal and external compliance/ regulatory requirements.**Strategy**- Awareness of sales process, credit policies, credit card regulation & overall market landscape**Business**P**rocesses**- Responsible for identifying and fixing sales process gaps/ breakdowns. Work closely with internal stakeholders to develop process / digital enhancement end-to-end process (from business requirement, reviewing user stories, alignment with all stakeholders, UAT and UVT implementation). Responsible for ideation & execution of acquisition campaigns to drive card acquisition and fulfilment.**People & Talent** **- Work with various stakeholders on policy changes, sales process improvement, digital enhancement & campaign management**Risk Management**- Adherence to GPS, ensuring controls and measures are updated and put in place to minimise gaps.**Governance** **- Understanding of regulatory framework, requirements and expectations.**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 (country / business unit / function 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**- Sales (DSMS, TPS, Digital, V&V, Branches), Finance, CABM, Legal & Compliance, PMO, Technology Team, Credit, Risk, Fraud, Middle Office, Operations**QUALIFICATIONS****TRAINING, LICENSES, MEMBERSHIPS AND CERTIFICATIONS**- Academic qualification i.e. Degree in any discipline (preferably Banking & Finance), or- Minimum 3 years experience in Banking (preferably in Sales, Credit or Product Management/ Retail Banking)- Good Analytical Skill- Enthusiastic, versatile and not willing to accept the status quo- Banking Products and Services Development Core- Customer/Market Focus Core- Budget Management Core- Marketing Channels Core- Data Analytics Core- Stakeholder Management 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
