Trade and Working Capital Product Manager, SME Banking

Job Summary

Job Purpose

• SME Banking provides a suite of trade and working capital products to support companies in Singapore to manage their business needs.

• As a Trade Product Manager, you will be expected to drive the products take-up under your oversight to achieve growth in product performances. You will need to ensure that the trade and working capital products meet the needs of Medium Enterprises (ME) client segments.

• This role reports directly to Head, Product and Strategy, SME Banking and will work closely with key stakeholders such as Transaction Banking, Group SME Banking Product, ME Sales, Credit, Operational Risk, Legal, Marketing and Compliance teams to roll out product initiatives in a timely and effective manner.

Role and responsibilities

• Responsible for executing end-to-end trade and working capital product initiatives in alignment with the business budgets and country credit policies

• Supports and expand product enhancements and commercialisation of new initiatives

• Work jointly with Sales, Governance, Compliance to drive revenue and business acquisitions.

• Liaise with internal and external stakeholders incl. vendors, regulators when necessary

Product management and development

• Explore new revenue streams, commercialisation strategy and grow market share

• Manage all product related queries from stakeholders

• Understands customers’ needs and develop client valued propositions

• Articulates product strategies and drives key initiatives

• Manage new product launches and product enhancements

• Provides training to stakeholders including Sales, Call Centre, Operations

Financial performance and profitability

• Conduct ongoing competitor analysis to capture opportunities and mitigate threats

• Develop product and sales strategy jointly with stakeholders to achieve budget objectives

• Determines product pricing to meet product profitability targets

• Improve process efficiency through digital transformation to scale business growth

Risk, Compliance and Governance

• Work with Credit risk team to design optimum client onboarding and client management polices

• Address Operational risks and Business risks related to the product.

• Work with Operation teams to improve client servicing standards

• Handle client management issues on the product

• Ensure compliance of regulatory requirements

• The candidate must have at least 5 years’ experience managing trade and working capital products for SME clients.

Key Responsibilities

Strategy

• Skilled in strategic planning, positioning products to meet client needs, managing credit risks, and maximizing revenue generation.

Business

• Comprehensive Trade and Working Capital solutions are available to clients, covering Import, Export, and Cash offerings.

• Strong understanding of industry trends and competitors’ products.

• Solid grasp of pricing mechanisms, funding costs, and credit risk premiums.

Processes

• Analytical, with a strong ability to review and analyze workflows and procedures to drive process improvements and enhance client experience.

• Skilled in preparing and writing comprehensive, analytics-driven product and credit proposals for senior management’s assessment.

• Familiar with the Bank’s credit assessment, risk monitoring, and loan booking systems.

People and Talent

• Self-motivated and confident, with excellent communication and presentation skills

• Strong people management abilities

• Dynamic team player who adopts a collaborative approach to designing unique client solutions

Risk Management

• Possess strong experiences in Corporate Credit Risk Assessment

Governance

• Has experience managing internal and external audits, as well as similar exercises. s experiences in managing internal and external audits or equivalent exercises

Regulatory and 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

• SME Banking Sales teams, Trade Operations, Credit Risk Teams, Group SME Banking, Transaction Banking, WRB Risk, Audit and Compliance Teams.

Other Responsibilities

• Embed Here for good and Group’s brand and values in SG SME Banking / WRB. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Our Ideal Candidate

• 5+ years of experience in Trade Finance / Working Capital products, with strong exposure to SME / Medium Enterprise clients

• Strong understanding of end-to-end trade products (Import, Export, Guarantees) and working capital solutions

• Proven ability to drive product growth, commercialization, and revenue performance

• Solid knowledge of credit risk assessment, pricing frameworks, and regulatory requirements

• Experience in managing product lifecycle including launches, enhancements, and process improvements

• Strong stakeholder management skills with the ability to collaborate across Sales, Risk, Compliance, and Operations.

• Analytical mindset with experience in market analysis, competitor benchmarking, and identifying growth opportunities.

• Excellent communication and presentation skills, with the ability to influence senior stakeholders

• Self-driven, adaptable, and able to operate effectively in a fast-paced environment.

• Certifications - Corporate credit risk assessment, International Trade Finance.

Role Specific Technical Competencies

• MS WORD, POWERPOINT, EXCEL

• International Trade Finance

• Uniform Customs and Practise for Documentary Credits (UCP 600)

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers