Associate Director, Cash Products, TB China

• responsible for product strategy alignment and execution.
• responsible for new offering end-to-end product design, development, maintenance, and commercialization throughout the solution life cycle.
• work closely with TB Sales and CIB coverage to steer the commercial drive of payment volume growth
• collaborate with local stakeholders, regional and global product partners to ensure proper governance and risk control.

• Individual contributor role to deliver business revenue target and execute product agenda.
• Jointly responsibility with Payment Team Head for delivering the revenue and cost numbers.
• Lead with revenue initiatives- repricing, sales campaigns, utilisation, RIWAC usage
• Interpret and analyse product performance, analyse data, provide forecasts.
• Product standard pricing and costing models; 'say' in any pricing deviations.
• Initiatives to drive down costs, streamline operating processes and enhance revenue
• Actively contribute to the overall business strategy; develop tactical plans to achieve our long-term vision and leadership

• Customise Group products to meet local requirements; ensure legal and compliance (both internal and external) issues are adhered to
• Establish market reputation as experts; speak at conference, contribute articles, media interviews, organise roundtables etc
• Promote internal culture of communication, recognition and teamwork.
• As local product owner of assigned product, to comply with the roles and responsibilities stipulated from group product governance handbook, and “Product Approval and Governance Guide” approved by SCB China's Risk Committee

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering 'effective governance'; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

• 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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

• Regional Head, Cash
• Country Cash Heads within Region
• Country Banking Head and Country CIBMT
• Country Operational Risk, Finance, GT, HR, Legal, Credit risk & Compliance
• Business Managers in other parts of SCB, regionally

• Major Clients, particularly those were playing strategic sponsor role
• Key regulators (in-country and global)
• Competitors
• Media
• All stakeholders including Clients, Auditors and Regulators

• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies
• 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
• 跟上本地问责法律法规的发展，以有效地确保并强化内控.
• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank
• 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
• 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.
• Cooperate with any investigations or reviews on regulatory failure such as accountability review
• 配合任何关于违反监管规定的调查或审查，例如，问责审查。

• University graduate with at least 8 years solid experience in banking or finance industry.
• Solid experience in managing transaction banking products in a financial institution with In-depth knowledge of corporate treasury management activities in local market and relevant regulations
• Strong leadership qualities, interpersonal skills, multicultural awareness, and sensitivity
• Excellent professional skills, including verbal and written communication, presentation, time management and stakeholder management
• Language Capability: proficiency in Mandarin and English
• Post-graduate degree holder or CFA are a plus

• Manage Conduct
• Risk Management and Internal Controls
• Manage People
• Compliance - Governance, Oversight and Control
• Compliance - Managing Regulatory Relationships
• Compliance - Regulatory Reporting and Filing
• Business - Strategy and Model
• Business - Market Knowledge
• Business - Products and Processes
• Business - Financial Analysis and Control
• TB - Channels
• TB - Product Knowledge - Cash Management Services

• 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.

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