Product Manager, Cards Product

**Job Summary**:
**Salary**
S$8,200 - S$11,000 / Monthly

**Job Type**

**Seniority**

Senior

**Years of Experience**
At least 8 years

**Tech Stacks**
Strategy Analytics

**JOB SUMMARY**
- Achievement of economic profit, goals, business financial performance, monitoring and control for the credit card business in Singapore. You will work directly with the Head of Credit Cards to drive and support business growth and profitability related to card product management and client lifecycle management for the Affluent card products.
- Lead and manage strategic initiatives to achieve business goals
- Define product roadmap and product market fit for the Affluent cards to remain competitive in the market
- Develop, execute and drive card value proposition, positioning, pricing, targeting, acquisition channels, end-to-end lifecycle engagement strategies and projects
- Manage all aspects of client lifecycle management including acquisition, onboarding, activation, engagement, usage and retention
- Manage the revenue performance for the Affluent card products by tracking and analysing performance and effectiveness of activities to maximize growth and profitability
- Monitor, understand and analyse external conditions and competitive industry landscapes and trends to ensure product and offering meets the client needs while maintaining market competitiveness and product compliance
- Collaborate closely with Retail Analytics team to identify business opportunities and create effective strategies.
- Collaborate with Partnership team to identify strategic partnerships to support business growth
- Collaborate with Brand & Marketing team to ensure effective marketing communication strategies
- Work effectively with internal units - Group Product, Finance, Client Experience, Digital, Risk, Operations, Credit, Legal & Compliance, Technology, Audit

**RESPONSIBILITIES**

**Strategy**
- Revenue and Market Share.

**Business**
- Key business drivers - Card base, spends, activation rate

**Processes**
- Process improvements and efficiencies.

**People & Talent**
- Work and collaborate with various internal and external stakeholders.

**Risk Management**
- Adherence to GPS, ensuring controls and measures are 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 to achieve the outcomes set out in the Bank’s Conduct Principles
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

**Other Responsibilities**
- Embed Here for good and Group’s brand and values, Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)
- 8 plus years of experience in Credit Cards / Banking industry is preferred.
- Knowledge of industry, competitor products/services, acquisition (digital and non digital).
- Strong analytical and profitability analysis skills.
- Strong communication and presentation skills

**Role Specific Technical Competencies**
- Financial, analytical and problem solving skills.
- Project management skills.
- Presentation and communications skills.
- Team player and self-starter

**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 in others, and work collectively to build for the long term

**In line with our Fair Pay Charter,** we offer a competitive salary and benefits to supp