Product Owner, Digital Wealth and Fund Journey

Job Summary

The Product Owner, Digital Wealth and Fund, is responsible for shaping and delivering client-centric digital wealth and fund journeys across mobile and web channels. The role owns the product vision, roadmap and backlog for digital investment propositions, including fund discovery, transaction journeys, portfolio servicing and post-sales engagement, ensuring solutions are aligned to business priorities, client needs, regulatory expectations and technology strategy.

The role acts as the bridge between wealth management business teams, investment product stakeholders, technology, design, risk, compliance and country teams. It translates business outcomes into clear product requirements, user stories and acceptance criteria, prioritises delivery based on client value and commercial impact, and drives execution through Agile ceremonies, sprint planning, backlog refinement, release governance and post-implementation performance tracking.

The role requires strong digital wealth and fund domain knowledge, including understanding of investment products, client suitability, risk profiling, fund order flows, subscription and redemption processes, fees and charges, regulatory disclosures, cross-market operating requirements and servicing controls. The Product Owner is expected to simplify complex wealth journeys, improve client and frontline experience, and enable scalable platform capabilities across markets.

The candidate should also bring practical AI knowledge and the ability to identify responsible use cases for digital wealth, fund servicing and relationship manager enablement. This includes familiarity with Generative AI, Large Language Models (LLMs), Natural Language Processing (NLP), Retrieval Augmented Generation (RAG), predictive analytics and machine learning concepts, with sufficient understanding to work effectively with data science, engineering, architecture, model risk and governance teams.

Key Responsibilities

Strategy
•    Owns the product vision, roadmap and backlog for digital investment propositions, including fund discovery, transaction journeys, portfolio servicing and post-sales engagement, ensuring solutions are aligned to business priorities, client needs, regulatory expectations and technology strategy
•    Maintains a commercial lens over the product, understand and communicate with relevant stakeholders on the commercial performance metrics and viability of products, and drive its adoption.
•    Acts as the bridge between wealth management business teams, investment product stakeholders, technology, design, risk, compliance and country teams. 
•    Owns the ‘WHY’ and ensure all members of the squad understand and embrace the vision & mission. The why should be closely aligned to the organization’s overall goals and ambitions. 
•    Inspires the squad to continuously thrive in a growth mindset.
•    Sets goals and prioritise the backlog for the squad and create actions plans to target for timely delivery.
•    Bring practical AI knowledge and the ability to identify responsible use cases for digital wealth, fund servicing

Business
•    Act as an Agile Product Owner, owning the product vision, roadmap and backlog for digital wealth and fund propositions, including fund discovery, investment transaction journeys, portfolio servicing and post-sales engagement, to support key wealth and retail banking strategic objectives.
•    Partner closely with wealth management business teams, investment product stakeholders, technology, design, risk, compliance, operations and country teams to deliver client-centric, scalable and commercially viable digital investment solutions.
•    Use delivery and backlog management tools such as ADO to define, prioritise and manage epics, features, user stories and acceptance criteria based on business value, client impact, regulatory needs, risk considerations and delivery dependencies.

•    Continuously gather feedback from clients, and country stakeholders to iterate platform capabilities, improve usability and drive adoption across digital wealth and fund journeys.
•    Define product requirements and development roadmaps based on digital wealth expertise, fund domain knowledge, market needs, client suitability, risk profiling, fund order flows, subscription and redemption processes, fees, disclosures and servicing controls.
•    Communicate clearly with stakeholders and delivery teams to synchronise tasks, clarify requirements, manage dependencies, resolve trade-offs and align delivery expectations across business, technology and control functions.
•    Conduct pre-go-live demos, walkthroughs and readiness sessions with stakeholders, ensuring business, technology, operations, risk, compliance and support teams are aligned for smooth transition, launch and post-launch support.
•    Lead regular review and retrospective sessions to embed a growth mindset, identify delivery improvements, strengthen squad effectiveness and share learnings with the wider Product Owner community.

Processes
•    Clearly aligns squad OKRs & KPIs with stakeholders and senior management, ensure these objectives and targets are well understood and aligned to the nature of your product.
•    Communicates and embed the OKRs and KPIs into every aspect of the product life cycle.
•    Identifies and maps the data sources required to validate and measure the performance of the features.
•    Performs post implementation review with squad, define measurement windows and prepare necessary data & metrics.
•    Translate data insights into prioritized product improvements.

People & Talent
•    Coaches & mentor squad members to continuously uplift capability.
•    Fosters a culture based on trust, psychological safety & collaboration. 
•    Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
•    Employ, engage and retain high quality people.
•    Responsibility to review team capacity plans to ensure capabilities are released as per agreement with stakeholders.

Risk Management
•    Awareness and understanding of the main risks facing the Group and the role the individual plays in managing them.
•    Is accountable for ensuring compliance and risk adherence of products and services, engage with stakeholders to ensure necessary controls are adhered to and approvals are obtained. 
•    Identifies all risks and issues that may impact project viability. Track, manage and report them as per the Bank’s standards. 

Governance
•    Adherence to policies and control standards, ensuring compliance and operation within risk tolerance and risk appetite 
•    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’ within the deliverables and possessing the ability to constructively challenge relevant stakeholders and teams effectively.
•    Ability and willingness to work through details with relevant control functions in an open and collaborative manner to achieve the desired governance outcome within the bank’s risk appetite. 
•    Work with global teams in Risk, Compliance and COO Office to ensure adherence to the Bank’s Risk framework, in the identification, assessment, mitigation, control and monitoring of risk. 

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.

Key stakeholders
•    Global WM Product Teams
•    Global and Country Technology teams
•    Product Owners across Digital Wealth Journey 
•    Country WM Product Heads
•    Group, Regional and Country WM COO teams

Other Responsibilities
•    Do the right thing: Be brave, be the change; Think client; Live with integrity
•    Never Settle: Continuously improve and innovate; Simplify; Learn from your successes and failures
•    Better together: See more in others; How can I help? Build for the long term

Skills and Experience

•    Agile Product Owner
•    Business Analysis
•    Customer Experience design and user experience principle
•    Scrum or similar Agile development methodology

Qualifications

•    Strong background in digital wealth, retail banking and investment products, with practical experience in fund propositions, client investment journeys and Agile product management.
•    8 to 10 years of experience in digital product delivery, technology implementation or platform transformation, preferably within wealth management, retail banking or financial services organisations.
•    8 to 10 years of experience as an Agile Product Owner or similar product delivery role, with proven ability to own product vision, roadmap, backlog prioritisation, user stories and acceptance criteria.
•    Good understanding of fund domain processes, including fund discovery, suitability, risk profiling, subscription and redemption flows, order handling, fees and charges, disclosures, servicing controls and post-sales engagement.
•    Experience delivering digital journeys across mobile and web channels, including customer experience design, usability improvements, adoption tracking and post-implementation performance reviews.
•    Working knowledge of Agile delivery practices and tools such as ADO, with ability to manage epics, features, dependencies, release readiness, go-live support and benefits realisation.
•    Practical knowledge of data analytics and responsible AI concepts, including Generative AI, Large Language Models, Natural Language Processing, Retrieval Augmented Generation, predictive analytics and machine learning, with the ability to identify relevant business use cases.
•    Ability to work effectively with data, technology, architecture, risk, compliance, model governance and control teams to ensure AI-enabled capabilities are explainable, measurable, auditable and aligned to the Bank’s standards.
•    Experience evaluating vendor offerings, emerging technologies, proofs of concept and pilots to support scalable, compliant and client-focused digital wealth solutions.

•    Strong background in digital wealth, retail banking and investment products, with practical experience in fund propositions, client investment journeys and Agile product management.
•    8 to 10 years of experience in digital product delivery, technology implementation or platform transformation, preferably within wealth management, retail banking or financial services organisations.
•    8 to 10 years of experience as an Agile Product Owner or similar product delivery role, with proven ability to own product vision, roadmap, backlog prioritisation, user stories and acceptance criteria.
•    Good understanding of fund domain processes, including fund discovery, suitability, risk profiling, subscription and redemption flows, order handling, fees and charges, disclosures, servicing controls and post-sales engagement.
•    Experience delivering digital journeys across mobile and web channels, including customer experience design, usability improvements, adoption tracking and post-implementation performance reviews.
•    Working knowledge of Agile delivery practices and tools such as ADO, with ability to manage epics, features, dependencies, release readiness, go-live support and benefits realisation.
•    Practical knowledge of data analytics and responsible AI concepts, including Generative AI, Large Language Models, Natural Language Processing, Retrieval Augmented Generation, predictive analytics and machine learning, with the ability to identify relevant business use cases.
•    Ability to work effectively with data, technology, architecture, risk, compliance, model governance and control teams to ensure AI-enabled capabilities are explainable, measurable, auditable and aligned to the Bank’s standards.
•    Experience evaluating vendor offerings, emerging technologies, proofs of concept and pilots to support scalable, compliant and client-focused digital wealth solutions.

•    Strong understanding of market trends, client needs, commercial drivers and regulatory considerations, with the ability to shape a compelling value proposition and squad vision.
•    Proven track record of working with cross-functional squads and stakeholders across business, product, technology, design, operations, risk, compliance and country teams to deliver agreed outcomes.
•    Experience coaching and mentoring squad members, supporting continuous improvement and sharing learnings with the wider Product Owner community.
Skills 
•    Strong analytical, problem-solving and decision-making skills, with the ability to balance client value, business outcomes, technology feasibility and risk considerations.
•    Strong interpersonal skills with the ability to collaborate across multi-functional, multi-cultural and multi-market teams.
•    Strong communication skills, including oral, written and presentation skills, with the ability to explain complex digital wealth, fund and technology topics to a broad audience.
•    Ability to translate client, business and regulatory requirements into clear functional specifications, user stories, acceptance criteria and delivery priorities.
•    Experience designing and improving client journeys for digital wealth, fund investment and portfolio servicing across mobile and web channels.
•    Experience managing delivery with scrum masters, engineers, architects, designers, testers and control partners in an Agile environment.
•    Ability to plan, implement, evaluate and sustain product backlogs to achieve measurable client, business, adoption and risk outcomes.
•    Experience with analytics, AI, NLP or intelligent automation proofs of concept is an advantage, particularly for wealth insights, advisor assist, intelligent search, content summarisation or servicing use cases.
•    Experience in financial services applications, particularly digital wealth, fund platforms, wealth advisory, investment servicing, relationship manager enablement, KYC or client engagement solutions, would be an advantage.
•    Proficiency in both English and Chinese is required, with strong oral and written communication skills to engage stakeholders, document requirements and support delivery across regions.

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.