Product Owner - Debit Cards & Mobile Wallets

• Own end-to-end delivery of key Debit card and Mobile Wallet (Debit & Credit) payment initiatives 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.

• Lead new product development and enhancement of existing products/features for Debit Card and Mobile Wallet capabilities in-line with the overall group retail products strategy.

• Drive product and journey standardization for Debit Cards and Wallets globally.

• Monetize capabilities and develop analytics to track performance

• With deep knowledge of agile principles, adhere to the vision of the payment hive and contribute to the Objectives and Key Results (OKRs) of that hive; including:

• Understand card network and wallet digitalisation ecosystem, well abreast of key business metrics that drive successful debit card and wallet performance.

• Identify areas of improvements and implement changes to enhance product features, user experience and profitability.

• Monitor industry trends and regulatory changes to ensure products remain compliant and competitive.

• Work with markets for commercialization and monetization of the capabilities, helping to increase product adoption.

• Evaluate processes for optimisation of technical stack and automation of back-end processes for end-to-end Straight Through Processes. You will build product as well as prioritise product backlog to achieve business goals and manage stakeholder relationships to align expectations, prioritisation and overall product roadmap.

• Proactively provide inputs into squad team evaluation and performance review on a regular basis.

• Working with Hive Lead, dynamically allocate resources within the squad and align with stakeholders based on (i) squad backlogs, (ii) resource needs and (iii) expected delivery timeline.

• Define the set of necessary competences in the squad with Hive Lead / Chapter Lead, highlighting missing competencies and ensuring fulfilling these in timely manner so as to maintain the Hive work on track.

• Maintain close partnership with cross functional teams including technology, legal, compliance, risk, local markets, card network partners etc in daily operations.

• Ensure that all delivery processes adhere to SCB's policy and regulatory requirements.

• Identify potential risks in the delivery processes and develop strategies to mitigate them.

• Stay updated on industry regulations and best practices related to card issuance and delivery.

• 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 to ensure there are no regulatory / compliance lapses.

• Ensure, where applicable, adequate and appropriate systems, controls and compliance within area of responsibility. Where appropriate, direct remedial action and/or ensure adequate reporting.

• Act as a governance leader promoting the highest levels of ethical conduct. Display exemplary conduct and live by the Group's Values and Code of Conduct.

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role

• Business Acumen
• Business Analytics
• Agile way of working
• Digital Journeys
• Card and wallet ecosystem

• At least 8-10 years of experience in a financial institution, preferably in Retail Clients / Retail Product & Project Management, with a good understanding of debit card and wallets products, payment processing systems and financials drivers. PMP/Agile certification would be preferred.
• Excellent analytical, problem-solving, decision-making skills, meticulous and independent. Ability to deal with uncertainty situation and derive the best outcome to push forward the initiative progress.
• Strong understanding of payment schemes, network association, card regulations in APAC/AMEE region.
• Understanding of and delivery under Agile framework.
• Strong financial management capabilities: budget tracking, planning, forecast and variance explanations.
• Good interpersonal and communication skills: networking, negotiation and influencing.
• Positive attitude with the capability to work under pressure and deliver on multiple deadlines.

• 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