Product Head - Business Banking

Job Summary

•    Drive profitable and sustainable growth of the Business Banking portfolio by leading product strategy, portfolio management, risk-adjusted growth, customer acquisition, digital transformation, regulatory compliance, and franchise development across LAP, BIL, GIL, and SME CASA businesses.  

Key Responsibilities

Growth
•    Deliver annual budgeted assets and liabilities growth.
•    Increase wallet share among existing customers.
•    Improve cross-sell between lending and CASA products.
Profitability
•    Improve risk-adjusted returns.
•    Optimize pricing, acquisition and servicing costs.
•    Increase fee and transaction income contribution.
Digital & Innovation
•    Launch digital onboarding and servicing journeys.
•    Leverage analytics and AI for portfolio management.
•    Enhance straight-through-processing (STP) capability.
Risk & Governance
•    Maintain strong underwriting and monitoring frameworks.
•    Ensure timely closure of audit and regulatory observations.
•    Strengthen early warning monitoring and portfolio analytics.
Objective Area
•    Portfolio Growth & Revenue
•    Liability Franchise Expansion (SME CASA)
•    Asset Portfolio Growth (LAP, BIL, GIL)
•    Risk & Portfolio Quality
•    Product Innovation & Digital Transformation
•    Customer Experience & Service Excellence
•    Regulatory & Compliance Management
•    Cross-functional Leadership
•    Channel & Partnership Development
•    Team Leadership & Talent Development

Key Responsibilities
•    Deliver portfolio growth across LAP, BIL, GIL and SME CASA while maintaining profitability.
•    Build strong SME CASA acquisition and engagement strategy. Increase primary banking relationships.
•    Drive secured and unsecured lending growth through product innovations and channel partnerships.
•    Maintain healthy portfolio quality through robust policy framework and monitoring.
•    Launch customer-centric and digitally enabled solutions. Improve customer journeys and turnaround times.
•    Deliver industry-leading customer experience and improve retention.
•    Ensure adherence to RBI guidelines, internal policies and audit requirements.
•    Work with Risk, Operations, Digital, Technology, Sales and Compliance teams to drive business outcomes.
•    Develop sourcing ecosystems including DSAs, digital partnerships, anchor ecosystems and ecosystem banking propositions.
•    Build a high-performing product organization. Strengthen succession planning and capability building.

Success Measures (KPIs)
•    Portfolio growth (%), Revenue achievement, NII growth, Fee income growth, CASA balance growth, New customer acquisition
•    CASA balance growth, Average balance growth, Active accounts %, Cross-sell penetration, NTB acquisition
•    Loan book growth, Disbursement volumes, Market share growth, Yield achievement
•    GNPA/NNPA levels, Credit cost, Early delinquency rates, Collection efficiency
•    Product launches completed, Digital adoption %, STP rates, Customer satisfaction
•    NPS improvement, Customer complaints reduction, Retention ratio
•    Zero major audit observations, Compliance score, Timely closure of regulatory findings
•    Project delivery success, Stakeholder satisfaction, Governance effectiveness
•    Sourcing productivity, Partner-generated business, Cost of acquisition
•    Employee engagement score, Talent retention, Leadership pipeline readiness
People and Talent (for People Leader roles only)
•    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.

Skills and Experience

Must-have Skills
•    Action Oriented
•    Collaborates
•    Customer Focus
Other Skills
•    Courage
•    Instils Trust
•    Nimble Learning

Qualifications

Key Experiences
•    15 – 20 years
Certifications / Qualifications
•    Post Graduate
Languages
•    English, Hindi

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.