Global Head – Retail Banking Propositions

Job Summary

This JD outlines the expectations for a senior executive responsible for leading the development, implementation and growth of digital Retail Banking Propositions globally in Wealth and Retail Banking (WRB) business. This high-impact role will focus on defining the future of digital retail banking propositions, creating seamless, innovative and client centric solutions that will elevate the client experience, engagement & loyalty across 26 markets and client segments. 

The Retail Banking Proposition Head is responsible for driving digital innovation and serves as a cross-functional change agent providing strategic leadership to deliver best-In-class retail banking and payment solutions to fuel growth in WRB. The job holder shall closely manage and lead in the various digital implementation of the global Retail Banking propositions ensuring alignment with customer needs, regulatory requirements, market trends and product excellence. The breadth of products supported includes deposits, credit cards, retail payments, personal loans, mortgages as well as enablement of global digital partnerships agenda. 

This role requires a deep understanding of retail banking products and services as well as a sound appreciation of the regulatory landscape of the financial industry. It also requires the job holder to lead in transformation agenda to drive scalable, client centric solutions that meet the diverse clients’ needs in a volatile, uncertain, complex, ambiguous (VUCA) environment. The role will work closely WRB markets heads, Retail Banking Product and Technology delivery teams to ensure the successful digital delivery of Retail Banking products and services across the global footprint. 
 

Key Responsibilities

Strategy

• Drive the long-term vision and digital innovation roadmap for retail banking propositions, partnerships and services, aligning with overall business objectives, digital transformation goals, customer needs and market & competitor dynamics.
• Continuously evaluate the digital & market trends and identify new opportunities to innovate, enhance and/or expand the suite of retail banking solutions, to cater to various customer segments ensuring a client centric approach to development.
• Champion a customer-first approach in digital delivery, using data and insights to prioritise feature development and product improvements.
• Lead the development of seamless, intuitive, and cohesive retail banking propositions & digital journeys serving the client continuum that comply with relevant regulatory frameworks and are secure, scalable and user-friendly.
• Drive product differentiation through new features, partnerships and digital innovations that enhance customer engagement & loyalty. 
• Establish open banking/API approach to enable partnerships strategy.

Business

• Oversee the end-to-end digital development and launch of retail banking propositions & partnerships, ensuring they meet the local demands and align with regulatory and compliance obligations.
• Lead efforts to deeply understand customers needs, pain points and behaviours, ensuring that product propositions are designed to deliver exceptional experiences.
• Develop and manage a global digital delivery roadmap, ensuring timely delivery of key features and initiatives.
• Prioritize digital product & partnership initiatives and enhancements based on strategic impact, customer demand, and financial performance, ensuring alignment with digital retail banking product vision and customer needs.
• Lead innovation efforts to adapt to evolving market conditions, regulatory changes, and the changing needs of retail banking clients across the client continuum. 
• Collaborate with Retail Banking Markets Heads, external vendors, counterparties/ product providers to design and deliver integrated digital solutions to enhance digital capabilities that address client and market needs across retail bank.
• Lead cross-functional teams, including Product Owners, Designers, Engineers, to deliver features and improvements on time and within scope.

Processes

• Establish and monitor key metrics to assess product & platform adoption, monetisation, and user satisfaction, making data driven decisions to optimise resources and deliver business outcomes that are aligned to the organisational goals.  
• Lead initiatives to continuously improve platform stability, cybersecurity, operational resilience, ensuring that the platform delivers retail banking product solutions and services in a scalable, safe, and compliant manner. 
• Manage the retail banking propositions digital delivery budget, ensuring efficient allocation of resources to achieve strategic goals. 

People & Talent

• Lead, mentor, and build a high-performing global team responsible for digital product development, management, and strategic initiatives, fostering a culture of innovation, excellence, collaboration, client centricity, continuous improvement, inclusivity, and accountability.  
• Build strong relationships with cross functional teams, including stakeholders from technology, product, risk, control functions and partners to ensure seamless integration of digital initiatives across the Bank. 

Risk Management

• Ensure all products & services, are developed with high standards of security, risk mitigation, and regulatory compliance.
• Identify weaknesses across the end-to-end process risk and control environment and monitor rectification as required.
• Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation. 

Governance

• Maintain awareness and understanding of the regulatory framework in which the Bank operates, and the regulatory requirements and expectations relevant to the role. 
• Responsible for delivering effective governance as the first line of defence and collaborate closely with second and third line of defence to ensure well controlled ecosystem, meeting the requisite governance standards established within the Bank. 

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, escalate, mitigate and resolve risk, conduct and compliance matters.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] 

Key stakeholders

• Serve as the champion for Retail Banking Propositions delivery across the organization, working closely with Global & Country Product teams, Segment teams, Country Digital teams, and client-facing units.
• Collaborate with the country product teams and client segments to ensure effective communication, training, and support of digital enablement of retail banking products, partnerships and services across the markets. 
• Build strong relationships with internal stakeholders (e.g., Tech, ops, compliance, legal, risk) and external partners (e.g., digital partners, platform providers, counterparties, vendors) to ensure seamless product delivery and integration.
• Global Head Personal Banking Segment & CCPL
• Global Head Wealth Management 
• WRB markets head 
• CIO WRB 
• CIO Technology strategy and Architecture

Skills and Experience

Skills and Competencies:

• Strong leadership and team management skills with the ability to motivate, mentor, and develop talent.
• Strategic thinker with the ability to translate global trends and market insights into actionable product strategies.
• Excellent communication skills, both written and verbal, with the ability to influence and engage stakeholders at all levels.
• In-depth knowledge of the global wealth management landscape, including investment strategies, regulatory changes, and client needs.

Experience:

• 15+ years of experience in retail banking, product, payments and/or partnerships management, with at least 7 years in a senior leadership or global role.
• Proven track record of developing, launching and managing retail banking propositions.
• Deep understanding of the global retail banking landscape, including customer segments, regulatory environments, and competitive dynamics.
• Proven experience in leading cross-functional teams, driving alignment across stakeholders, and managing complex, multi-market projects.
• Strong strategic thinking and problem-solving skills, with a focus on customer-centric innovation.
• Excellent communication and presentation skills, with the ability to engage and influence stakeholders at all levels.
• Strong analytical skills with a solid understanding of data-driven decision-making and performance tracking.
• Ability to thrive in a fast-paced, dynamic environment and effectively prioritize multiple initiatives.
• Deep understanding of digital platforms, agile methodologies, and product development processes.
• Strong understanding of regulatory, compliance, and security considerations in digital banking.
• Proven ability to provide guidance and execute in an agile way through teams across geographic locations.

Qualifications

Education:

• Bachelor’s degree in finance, business, economics, or a related field (MBA or equivalent advanced degree preferred).
• Relevant professional qualifications (e.g., CFA, CFP, or equivalent) are a plus.

About Standard Chartered

We’re an international bank, nimble enough to act, big enough for impact. For more than 170 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
• 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

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• 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.