Sr. Assoc, Product Owner, WRB Tech

• The Group's Fit For Growth (FFG) Programme commenced in Q1 2024, with the aim of simplifying, standardising, and digitising the Bank's processes, to provide a platform for Business growth and to 'make it easier to get things done'. As part of this program, a key workstream is set-up to simplify, consolidate and standardize Lending platform and services.
• This workstream will own end-to-end delivery of developing new platform for Lending with a focus on Product Innovation, Digital Journeys with the aim to ensure delivery of capabilities within budgets/timelines while ensuring the best-in-class client experience.
• Incumbent should be able to lead product development, enhancement of existing products/features and product management for remittance capabilities in-line with the overall group retail products strategy.
• Monetize capabilities and develop analytics to track performance

• With deep knowledge of agile principles, own the vision of the Lending squad and hold accountability for defining and delivering on the Objectives and Key Results (OKRs) of that squad including -

• Defining end-to-end requirements, making sure they are complete, integral and consistent.
• Building and prioritizing Squad backlog in terms of user stories to achieve business goals; Continuously keeping the backlog up to date
• Managing relationships and synchronizing Technology colleagues with the Hive Lead, Chapter Lead and other Product Owners in cross-squads responsible for related products to align on roadmaps, priorities and dependencies.
• Work with markets in scope for commercialization and monetization of the capabilities, helping to increase product adoption.
• Develop, deploy and track key success metrics.
• Evaluate processes for optimisation of technical stack and automation of back-end processes for end-to-end Straight Through Processes.
• Proactively provide inputs into squad members evaluation and performance review on a regular basis
• Working with Hive Lead, dynamically allocate resources within the squad based on (i) squad backlogs and (ii) resource needs.
• 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
• Working with cross functional teams including technology, Legal, Compliance, Fraud, operational risks during the course of each delivery
• Ensure, where applicable, adequate and appropriate systems, controls and compliance within area of responsibility. Where appropriate, direct remedial action and/or ensure adequate reporting.

• At least 7-10 years of experience in a financial institution, preferably in Retail Clients / Retail Product and project delivery
• Domain Related knowledge

• Lending life cycle from origination to account closure, related financial behaviour
• Collection life cycle from Delinquency , to case management, disposal of accounts
• Various products like RLS, MARCIS , CACS
• IAS 39 , IFR9 experience
• Experience on application development , hands on engineer , architects.
• Understanding of and delivery under Agile framework
• Strong financial management capabilities: budget tracking, planning, forecast and variance explanations.
• Strong understanding of Risk and Controls associated with lending and collections and ability to identify and mitigate emerging risk with client focus

• 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

• 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.

Standard Chartered