Product Owner, Debit Cards

Requisition Number: 35336

Job Location: Bangalore, IND

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 20/08/2025

Posting End Date:

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Job Summary

• Own end-to-end delivery of key Debit card and Mobile Wallet (Debit & Credit) payment initiatives with a focus on Product Innovation, Digital Journeys with the aim to ensure delivery of capabilities within budgets/timelines while ensuring the best-in-class client experience.

• Lead new product development and enhancement of existing products/features for Debit Card and Mobile Wallet capabilities in-line with the overall group retail products strategy.

• Drive product and journey standardization for Debit Cards and Wallets globally.

• Monetize capabilities and develop analytics to track performance

Key Responsibilities

Product journey delivery

• With deep knowledge of agile principles, adhere to the vision of the payment hive and contribute to the Objectives and Key Results (OKRs) of that hive; including:

• Oversee the entire product delivery lifecycle, including planning, execution, and monitoring of product development initiatives.

• Develop and manage detailed project plans, timelines, and resource allocation to ensure products are delivered on schedule and within budget.

• Identify potential risks and issues throughout the delivery process and implement mitigation strategies.

• Building and prioritizing product backlog in terms of user stories to achieve business goals; Continuously keeping the backlog up to date.

• Facilitate communication and collaboration among Technology colleagues with the Hive Lead, Chapter Lead and other Product Owners in cross-squads responsible for related products to align on roadmaps, priorities and dependencies.

• Ensure high degree of stakeholder management to enable all requirements and deliverables are correctly understood, planning is up to date, priorities are reaffirmed, and stakeholder expectations are appropriately managed.

• Establish quality standards and benchmarks for product deliverables and ensure that all products meet those standards before launch.

Debit Card and Wallets business performance

• Understand card network and wallet digitalisation ecosystem, well abreast of key business metrics that drive successful debit card and wallet performance.

• Identify areas of improvements and implement changes to enhance product features, user experience and profitability.

• Monitor industry trends and regulatory changes to ensure products remain compliant and competitive.

• Work with markets for commercialization and monetization of the capabilities, helping to increase product adoption.

Processes

• Evaluate processes for optimisation of technical stack and automation of back-end processes for end-to-end Straight Through Processes. You will build product as well as prioritise product backlog to achieve business goals and manage stakeholder relationships to align expectations, prioritisation and overall product roadmap.

Stakeholders management

• Proactively provide inputs into squad team evaluation and performance review on a regular basis.

• Working with Hive Lead, dynamically allocate resources within the squad and align with stakeholders based on (i) squad backlogs, (ii) resource needs and (iii) expected delivery timeline.

• Define the set of necessary competences in the squad with Hive Lead / Chapter Lead, highlighting missing competencies and ensuring fulfilling these in timely manner so as to maintain the Hive work on track.

• Maintain close partnership with cross functional teams including technology, legal, compliance, risk, local markets, card network partners etc in daily operations.

Risk Management and Compliance

• Ensure that all delivery processes adhere to SCB's policy and regulatory requirements.

• Identify potential risks in the delivery processes and develop strategies to mitigate them.

• Stay updated on industry regulations and best practices related to card issuance and delivery.

• Ensures timely, and quality (error free) submissions, as needed for internal governance forums like QPRs / MPRs.

• Ensures that all the applicable and relevant standards and policies are duly met to ensure there are no regulatory / compliance lapses.

• Ensure, where applicable, adequate and appropriate systems, controls and compliance within area of responsibility. Where appropriate, direct remedial action and/or ensure adequate reporting.

• Act as a governance leader promoting the highest levels of ethical conduct. Display exemplary conduct and live by the Group's Values and Code of Conduct.

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role

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 the [country / business unit / function/[team] 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.] *
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Serve as a Director of the Board of [insert name of entities]
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Key stakeholders

• Business, technology, scheme partners, risk team

Other Responsibilities

• Embed Here for good and Group's brand and values in [country / business unit / team]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Qualifications

• At least 8-10 years of experience in a financial institution, preferably in Retail Clients / Retail Product & Project Management, with a good understanding of debit card and wallets products, payment processing systems and financials drivers. PMP/Agile certification would be preferred.
• Excellent analytical, problem-solving, decision-making skills, meticulous and independent. Ability to deal with uncertainty situation and derive the best outcome to push forward the initiative progress.
• Strong understanding of payment schemes, network association, card regulations in APAC/AMEE region.
• Understanding of and delivery under Agile framework.
• Strong financial management capabilities: budget tracking, planning, forecast and variance explanations.
• Good interpersonal and communication skills: networking, negotiation and influencing.
• Positive attitude with the capability to work under pressure and deliver on multiple deadlines.

Skills and Experience

• Business Acumen
• Business Analytics
• Agile way of working
• Digital Journeys
• Card and wallet ecosystem

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.