Head, Liability Products

Job Summary

• As Head of Liability Products, he/she is responsible for leading the Retail Banking's deposit products, transaction capabilities and payment services strategy. This role drives deposit growth, payment revenue, liquidity, operational efficiency, regulatory compliance and product profitability across the retail segments.
• The overall scope of work under the purview of this role encompasses savings and current accounts, fixed deposits, payment rails, transfers, merchant payments, digital wallets and potential partnership with payment network and fintechs.
• Main responsibilities will cover strategy and business leadership, product management, deposit growth and portfolio management. Drive sustainable growth and business efficiency delivered through effective sale & marketing campaigns & management, digital transformation and business partnership and collaboration with internal and external stakeholders.
• Apart from business and customer growth, the role will also require the individual to spearhead, promote and develop strong compliance culture over risk, regulatory and governance.
• Own the business profit & loss for deposits and payments solution (where applicable). This will include strategy papers, management reports and strategic business reviews and meeting management KPIs.

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

Key stakeholders

Internal

• Operations / Credit / Legal & Compliance / Branch / Sales / Marketing / IT and other related functions
• Team members

External

• Business Alliances

About Standard Chartered

• 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

What we offer

• 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.