Product Owner, Sme Banking Digital

Job ID: 34474

Location: Chennai, IN

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 15 Jul 2025

**Job Summary**
- If tackling complex challenges excites you, then join our team where you will get to collaborate and work on solutions across business and functions, to drive transformation and deliver better experiences to our customers. We constantly strive to reduce time-to-market and streamline our processes. We follow agile methodology and work to embed continuous improvement across the bank.
- We are looking for a Product Owner (PO), who will be an empowered decision maker, responsible for maximizing the business value of the work of the Squad. The PO will own and manage product backlog and is ultimately accountable for the successful delivery of the SME Digital Journey in Malaysia.
- Develop a roadmap for digitising the end-to-end credit origination, monitoring and fulfilment journey for Small Business Lending clients, with inputs from SME leadership team
- Drive implementation of digital transformation initiatives for SME MY
- Define, drive and track relevant success metrics
- Design and implement a change management strategy

**Strategy**
- Develops and owns the vision of the squad and holds accountability for delivering on Objectives & Key Results (OKRs)
- Help to develop target state for SME Malaysia Lending Journey and benchmark digital capabilities with industry best practices / tools, identify key trends and incorporate into SME digital roadmap

**Key Responsibilities**

**Processes / Execution & Project Management**
- Responsible for creating, sizing and prioritizing user stories for the squad to deliver on daily basis
- Defines product requirements and makes sure they are complete, integral and consistent
- Contributes to squad product development to the extent of her or his competence
- Define squad objectives and scope, taking into account resource constraints and long-term vision
- Manages relationships and synchronizes it with the Hive Lead, Chapter Lead and other Product Owners in Squads responsible for related products to align on roadmaps, priorities and dependencies
- Identifies, assesses, monitors, controls and mitigates risks to the project(s); effectively and collaboratively resolving them
- Accountable for Project Financials, including, however not limited to, cost management and spend forecasting, monitoring of OKR’s and performance indicators
- Ensure country SME teams are suitably engaged throughout the change delivery life-cycle
- Work with vendors, Professional services consultant, and cross functional teams to design, implement capability
- Validate deliveries through success metrics, after deployment to ensure they meet all operational and business requirements and drive maintenance and problem resolution, as required

**People & Talent**
- Build and prioritize Squad backlog in terms of user stories to achieve business goals, continuously keep the backlog up to date
- Holds regular meetings to update product backlog and ensure requirements are correctly understood
- Participate in planning of the Squad's sprint to reaffirm priorities and clarify the requirements
- Interact with other Squads and hives in synchronization ceremonies to implement cross-squad tasks
- Lead team through the process of clarifying requirements and delivery expectations with stakeholders
- Provides input into squad members evaluation and performance review on a monthly basis
- Working with Hive Lead, dynamically allocates resources within the squad based on (i) squad backlogs and (ii) resource needs
- Defines set of necessary competences in the squad with Hive Lead / Chapter Lead

**Skills and Experience**

**Risk Management**
- Ensure change risk is duly assessed and managed, in line with the Bank’s Enterprise Risk Management Framework

**Governance**
- Facilitate the oversight of funded initiatives through appropriate governance and oversight forums. Ensure timely escalation of emerging risks and issues associated with change initiatives and agree appropriate mitigation.

**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.

**Key stakeholders**
- SME Digital Products & Propositions domain lead
- Country SME Heads
- Country SME Product and Segment Heads
- Country SME Lending Product Managers
- Group and country SME Risk Team
- Compliance, Operational Risk, CFCC (Conduct, Financial Crime & Compliance), Credit Risk, Supply Chain Management, Global Infrastructure Services
- Group Digital and Technology Teams

**Other Responsibilities**
- Embed Here for Good and the Group’s brand and