Product Owner

Job Summary

Role Purpose

• Create mobile-first experiences that use the right mix of gamified mechanics, progress indicators, challenges, rewards, and contextual prompts to drive sustained engagement and completion of value-creating actions.
• Keep gamification client-centred, transparent, and appropriate for a regulated banking environment, with clear outcomes instead of superficial interaction.
• Lead and operationalise gamified mobile experiences across the client lifecycle, from onboarding and activation to engagement, cross-sell, up-sell, retention, and reactivation, with a focus on driving Net New Money, Wealth activation, and deepening outcomes.
• Leverage Pega Customer Decision Hub and the wider MarTech stack to deliver personalised, context-aware Next Best Actions across digital and assisted channels.

Key Responsibilities

Mobile engagement and gamified experiences

• Create mobile-first journeys that use the right gamified mechanics, progress indicators, challenges, rewards and contextual prompts to drive ongoing engagement and completion of value-creating actions.
• Keep gamification client-centred, transparent and appropriate for a regulated banking environment, with clear outcomes rather than superficial interaction.

Lifecycle strategy and value delivery

• Set the client lifecycle roadmap and prioritise high-impact use cases tied to client and business outcomes, focussing on the Affluent client segment with the needs on wealth and deposit products.
• Base prioritisation and success measures on engagement, Net New Money, Wealth Management activation, product deepening, retention and reactivation.

Next Best Action and real-time decisioning

• Develop segment, behaviour and lifecycle-specific strategies using transactional, behavioural and portfolio signals.
• Implement always-on and event-triggered decisioning in Pega CDH, including eligibility, suitability, prioritisation, suppression, contact policy and fatigue management.

Omnichannel orchestration and personalisation

• Build client experiences that turn behavioural insight into meaningful financial progress and measurable relationship value.
• Solve complex lifecycle and decisioning challenges through experimentation, rapid learning and continuous simplification.
• Collaborate across business, design, data and technology teams to bring scalable, mobile-first personalisation into production.
• Define measurement frameworks and KPIs for engagement, conversion, Net New Money, Wealth Management activation and deepening.
• Run A/B and multivariate tests, interpret performance and client-response data, and continuously optimise journeys, creative, prompts and offers.

Cross-functional product delivery and governance

• Translate business priorities into roadmap items and work with country squads, Design, Data and Analytics, Marketing, Technology, Engineering, Programme Management, Legal, Compliance and Risk teams to deliver at scale.
• Embed applicable conduct, regulatory and risk requirements, proactively escalating and resolving issues while improving delivery productivity and quality.

People and Talent

• Set direction and drive high performance by translating strategy into clear direction, aligning individual goals to team outcomes and providing regular, constructive feedback.
• Develop talent and capability through coaching and career conversations that build critical skills, stretch potential and prepare individuals for future opportunities.
• Lead by example by role-modelling the Bank’s valued behaviours, upholding strong risk and conduct standards, exercising sound judgment, and creating an inclusive team culture that supports wellbeing, values diverse perspectives, and drives accountability.

Our Ideal Candidate

Key Experiences:

• 8+ years of hands-on experience shaping mobile banking journeys and engagement experiences, including gamified mechanics that support Net New Money, Wealth Management activation and relationship deepening
• Demonstrated experience in digital product management, client lifecycle management, customer experience optimisation or digital sales transformation.
• Experience delivering large-scale data, digital or business transformation in financial services or another regulated industry.
• Experience with predictive analytics, machine learning concepts, data-driven decisioning, experimentation, data analysis and performance reporting.
• Experience with Pega CDH and relevant MarTech capabilities such as Adobe Analytics, Adobe Campaign, Adobe Target and customer data platforms.

Certifications / Qualifications (only where mandatory):

• Master’s or bachelor’s degree in management, computer science, or a related field; advanced degree preferred
• Pega CDH / ACM certification is preferred, not mandatory

Language:

• Business Communication

Role Specific Technical Competencies

Must-have Skills

• Customer Lifecycle and Value Management
• Next Best Action, Pega CDH and Real-Time Decisioning
• Mobile Experience Design and Gamified Engagement

Other Skills

• Personalisation and Omnichannel Journey Orchestration
• Experimentation, Analytics and KPI Management
• Digital Product Management and Agile Delivery
• Stakeholder, Risk and Regulatory Management

Motivations

• Motivated by turning client insights and behavioural signals into simple, personalised mobile experiences that help clients make meaningful financial progress.
• Energised by solving complex lifecycle and engagement challenges through experimentation, data-led decisioning and continuous optimisation.
• Driven by bringing together business, design, data and technology teams to deliver scalable solutions with measurable outcomes, including engagement, Net New Money, Wealth activation and relationship deepening.

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