Product Owner, Referral Growth

Job Summary

About the Role

We are looking for an experienced Product Owner to own and scale our Referral Programme across Mobile and Web. This role is accountable for driving customer acquisition through referrals, with a particular focus on Affluent Banking, International Banking and Cross-Border Banking.
You will own the referral product end-to-end, continuously improving both the referrer and referee journeys to increase awareness, participation, conversion and customer quality. Success will be measured by sustained month-on-month growth in customer acquisition through data-driven product decisions, experimentation and exceptional digital experiences.

Core responsibilities:
•    Own the end-to-end referral journeys across Mobile App and Website.
•    Define the product roadmap aligned to business growth objectives.
•    Continuously optimise referral journeys to reduce friction and improve conversion.
•    Prioritise, manage  and deliver the product backlog to maximise commercial impact.
•    Grow referral-led customer acquisition across Affluent, International Banking and Cross-Border segments.
•    Increase both the supply of referrers and the conversion of referees throughout the funnel.
•    Identify new referral models, customer propositions, incentive structures and growth opportunities.
•    Develop innovative referral experiences that leverage multiple channels and touchpoints to maximise reach and engagement.
•    Use digital experiences, content, personalisation, targeting and behavioural insights to continuously grow the top of the funnel and improve conversion.
•    Own product performance through data and customer insights.
•    Be highly proficient in Adobe Analytics and Adobe Experience Platform (Real-Time CDP) to analyse customer behaviour, define audiences and activate personalised experiences.
•    Develop and execute a robust experimentation strategy using A/B testing, audience segmentation and journey optimisation.
•    Build measurement frameworks and dashboards to monitor funnel performance and identify growth opportunities.
•    Partner closely with business, marketing, design, engineering, data, risk and compliance teams to deliver high-impact digital capabilities.
•    Influence senior stakeholders using data, customer insights and commercial outcomes.
•    Lead delivery through Agile product teams and ensure measurable business value from every release.

Experiences, Qualifications and Skills:

•    Bachelor’s or Master’s degree in Marketing, Computer Science or any related field.
•    More than 7 years of Product Management or Product Ownership experience in digital channels.
•    Proficiency in English and Mandarin (spoken and written) to support WRB driven intiative for specific market
•    Proven experience building or scaling customer acquisition or referral programmes.
•    Good understanding of growth product management, digital funnels and conversion optimisation.
•    Expert knowledge of Adobe Analytics and Adobe Experience Platform (Real-Time CDP); experience with Adobe Target is highly desirable.
•    Excellent analytical mindset with experience in funnel analysis, experimentation and customer segmentation.
•    Demonstrated ability to create best-in-class customer experiences across mobile and web.
•    Excellent stakeholder management and communication skills, with experience influencing senior business leaders.
•    Commercially minded, customer-centric and passionate about continuous optimisation.

KPIs:
•    Growth in referral-driven customer acquisition.
•    Increase in affluent, international and cross-border customer acquisition through referrals.
•    Improvements in referrer participation, referee conversion and overall funnel performance.
•    Delivery of measurable uplift through experimentation, personalisation and product enhancements.
•    Increased customer engagement, conversion rates and product adoption.
•    Successful execution of the product roadmap with measurable business impact.

Core Skills

•    Product Management
•    Sales Funnel Optimisation
•    Adobe Analytics
•    UX/UI
•    CMS (Content Management System)
•    Agile
•    Segmentation and targeting

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.