Global Head – Business Banking Digital Propositions

JOB SUMMARY

• This JD outlines the expectations for a senior executive responsible for leading the development, implementation, and growth of digital Business Banking Propositions globally in Wealth and Retail Banking (WRB) business. This high-impact role will focus on defining the future of digital Business Banking propositions, creating seamless, innovative and client centric solutions that will elevate the client experience, engagement & loyalty across markets and client segments. 
• The Business Banking Proposition Head is responsible for Business Banking and SME Delivery. In this role, the appointed individual will be responsible for driving the strategic direction, growth, and operational excellence of our business banking and small-to-medium enterprise (SME) segment. The role will oversee product delivery, customer experience, and operational performance, ensuring our offerings meet the diverse needs of small businesses and entrepreneurs while contributing to overall business growth.
• This role requires a deep understanding of Business Banking products, propositions 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, Business Banking Heads, CIB delivery heads and Technology delivery teams to ensure the successful digital delivery of Buisness Banking products and services across the global footprint. 

RESPONSIBILITIES

Strategy

• Define and execute the overall strategy for business banking and SME propositions and operating model.
• Lead and drive initiatives to expand and enhance the bank’s SME portfolio, focusing on customer acquisition, retention, and profitability.
• Collaborate with senior leadership to set business objectives and align strategies with corporate goals.
• Stay abreast of industry trends, regulatory changes, and competitor activities to ensure our SME offerings remain competitive and compliant.

• Conduct market research and client surveys to understand evolving needs and preferences, leveraging insights for strategic decision-making.
• Connect delivery agenda to the business development efforts for the business banking and SME segments, including identifying new market opportunities and driving revenue growth.
• Build and maintain strong relationships with key SME clients, partners, and stakeholders.
• Set performance targets and monitor progress, ensuring consistent achievement of sales and growth objectives.

​​​​​​​Business

• Oversee the end-to-end digital development and launch of Business 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 Business Banking product vision and customer needs.
• Lead innovation efforts to adapt to evolving market conditions, regulatory changes, and the changing needs of Business Banking clients across the client continuum. 
• Collaborate with Business 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 the customer Lifecyle and segment continuum. 
• Lead cross-functional teams, including Product Owners, Designers, Engineers, to deliver features and improvements on time and within scope.
• Champion a customer-centric culture by driving initiatives that improve the overall client experience, engagement, and satisfaction.
• Work closely with customer service and relationship teams to resolve issues, address feedback, and enhance service quality.
• Implement effective processes for client onboarding, loan origination, and post-loan servicing.

Processes

• Lead and manage cross-functional teams to ensure smooth and effective execution of business banking services.
• Ensure compliance with regulatory requirements, risk management protocols, and internal policies.
• Identify operational efficiencies, implement process improvements, and drive cost control initiatives.

People & Talent

• Lead, mentor, and build a high-performing global team responsible for Business Banking delivery, management, and strategic initiatives, fostering a culture of innovation, excellence, collaboration, client centricity, continuous improvement, and inclusivity.  
• 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. 
• Provide guidance, training, and performance feedback to team members to ensure alignment with business goals.
• Cultivate a culture of accountability and excellence within the business banking and SME delivery team.

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. 
• Organize and lead backlog prioritization and decision-making process aligned with critical stakeholders and markets. 
• Ensure resources and delivery planning coordinated with critical dependencies and forums. 

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

Key Stakeholders

• Serve as the champion for Business Banking Propositions delivery across the organization, working closely with Global & Country teams, Segment teams, Country Digital teams, and client-facing units.
• Collaborate with the country Business Banking teams and client segments to ensure effective communication, training, and support of digital enablement of  Business 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 Business Banking Segment.
• WRB markets head 
• CIO WRB 
• CIO Technology strategy and Architecture
• COO WRB
• CRO WRB 
• CFCC Head WRB 

Our Ideal Candidate

• 15+ years of experience in Business 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 Business Banking propositions.
• Deep understanding of the global Business 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.

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.
• 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.

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.