Associate Product Owner, API Banking

Job Summary

In Standard Chartered Bank’s Corporate, Commercial & Institutional Banking (CCIB), we aim to be digital-first and data-driven, delivering enhanced client experiences, driving new wallet share and realizing untapped client value and market opportunities.

Part of CCIB’s Digital Channels, Data Analytics & Coverage Platforms (DDCP), we are building a complete end-to-end, digital-first client journey from onboarding, transacting to servicing and reporting.  We are passionate about developing and delivering Best in Class digital client experience through consistent, well designed, contextual user journeys across all our client touchpoints such as the API Banking channel.

As an Associate Product Owner in the API Banking team, you will play a key role in driving APIs across Transaction Banking (Cash Management, Reporting, Value Added Services) and / OR Trade & Securities Services focusing primarily on Security Services and Trade Services, you'll play a pivotal role in enabling CIB clients to manage their Investments, Letter of Credits, Bank Guarantees and other Security- and Trade-related products seamlessly through APIs. 
You'll ensure your APIs portfolio meets rapid client growth demands, new market opportunities, and maintains compliance with evolving regulatory requirements across multiple jurisdictions. 

Depending on your experience, you will:Drive APIs supporting Account Services, Liquidity, and Reporting (including ISO 20022 camt statements, real time notifications, reconciliation solutions, value added services)And / or build APIs for Trade Finance and Securities Services (e.g., Letters of Credit, Bank Guarantees, custody/investments). This role offers exposure as a key contributor to our global API strategy, working at the intersection of technology, compliance, and client needs. You'll collaborate closely with technology partners, group and regional business stakeholders to deliver API solutions that are fast, reliable, and future proof. If you're passionate about product delivery, thrive in a complex multi-market environment, and want to make a real impact in the global receivables and collections landscape, this is an exciting opportunity to join a high-growth team at the forefront of banking innovation.

Reporting to a Lead Product Owner, you will act as a key contact for our global team on Account Services and Reporting APIs / or Securities and Trade API Solutions in the markets with product expertise, guiding client solutions based on market capabilities. This role requires strong agile software delivery management skills, meticulous documentation capabilities, and the ability to design and deliver client-facing API in global scale and with local relevance across over 35 markets.

Key Responsibilities

Product Ownership & Delivery

• Own and drive API roadmap across Cash Management (Account Services, Reporting, Liquidity) / or Trade & Securities Services APIs ensuring successful rollout of new features, enhancements, and system upgrades
• Partner with technology teams to translate business and regulatory requirements into robust, scalable API solutions
• Manage end-to-end product delivery cycles using agile methodologies, from discovery through to production deployment
• Ensure timely and effective delivery of API enhancements that meet client demands while maintaining highest system performance and reliability
• Work with Transaction Banking business and product development team to prioritize features and enhancements based on business value, market demand, and strategic fit
• Maintain organized requirement backlogs with clear traceability from business need to delivered solution
• Assess the impact of core banking and payment platform modernization initiatives on API capabilities
• Coordinate with technology, Partner Enablement and regional stakeholders to ensure seamless migration paths and client communications during system transitions

Market Adaptation & Compliance

• Adapt global API standards to meet market-specific regulatory requirements and rules across diverse jurisdictions
• Stay current with evolving regulatory frameworks and ensure API solutions remain compliant
• Coordinate with compliance, legal, and risk teams to address market-specific constraints and requirements for API flows
• Evaluate the broader impact of regulatory changes on your API portfolio’s capabilities and client experiences across multiple markets
• Analyse complex multi-market requirements for receivables management and identify commonalities that enable scalable API solutions

Product Documentation & Content

• Create comprehensive end-to-end design and mapping specifications for Cash Management / Trade API implementations across different markets
• Write detailed user stories with clear acceptance criteria that guide development and testing teams
• Develop and maintain client-facing documentation including API reference guides, integration manuals, webhook specifications, test case examples, and exception handling
• Ensure all documentation meets global standards while addressing market-specific nuances and end-to-end capabilities
• Maintain up-to-date API specifications using tools like Open API, in Open Banking Marketplace

Stakeholder Management & Client Support

• Be the subject matter expert regarding API capabilities, market nuances, address client query and validate client solutions during commercialisations
• Support client-facing teams with technical expertise during client onboarding and integration processes
• Conduct workshops and training sessions for internal stakeholders on API features, client solutions and use cases

Performance Monitoring & Continuous Improvement

• Monitor and analyse API performance metrics across markets including uptime, latency, error rates, success rates, and adoption trends to identify opportunities for API optimization
• Track delivery timelines, sprint velocity, and release quality to ensure consistent and efficient execution
• Identify patterns in client usage, reconciliation issues, and system performance data to drive proactive improvements
• Contribute to PTR/UVT, post-implementation reviews and client feedback to enhance future delivery

Agile Delivery Management

• Lead agile ceremonies including sprint planning, backlog refinement, and retrospectives for assigned initiatives
• Maintain clear visibility into development progress, blockers, and dependencies
• Collaborate with engineering teams to break down complex features into manageable increments
• Ensure continuous delivery of value through iterative releases and rapid feedback cycle

Governance

• Ensure product compliance on Group standard for Audit, Risk, Compliance and local regulatory schemes.
• Maintain the product program as per product governance guideline.
• Act as a liaison with the risk and compliance committees.

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 to identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Transaction Banking Trade Product
• Financial Markets Securities Product
• Digital Channel Solution
• Technology
• Regional Cluster
• API Partner Enablement
• Business Risk and CFCR

Skills and Experience

• Detail-oriented with strong organizational skills and ability to manage multiple workstreams simultaneously
• Comfortable operating in ambiguity and adapting to changing priorities in a fast-paced environment
• Problem solver who can analyse complex situations and develop pragmatic solutions
• Growth mindset with eagerness to learn about new markets, regulations, and technologies
• Collaborative team player who contributes to shared success and knowledge sharing
• Demonstrated ability to facilitate workshops, gather requirements, develop delivery plans and drive consensus among diverse stakeholders
• Proficient in agile product management methodologies (Scrum, Kanban) with hands-on experience in tools like Azure DevOps, Jira, Confluence, or similar platforms
• Strong documentation skills with ability to create technical specifications, user stories, process flows, webhook schemas, and client-facing materials
• Analytical mindset with ability to interpret data, identify trends in collection patterns, and make data-driven recommendations
• Understanding of data reconciliation, settlement processes, and financial reporting requirements of corporate and institutional clients
• Exposure to enterprise payment processing systems, core banking platforms, or treasury management systems
• API Product Management
• 3+ years in transaction banking or digital experience in financial or other transaction-oriented industry.     
• Previous project, product management and/or implementation experience in Digital Channels and /or Cash Management experience with understanding of Swift/ICC or ISO20022 capabilities, or Financial Markets

• Ability to understand the importance of relationship building both with internal and external customers.
• Effective and positive written and verbal communications especially when acting as a liaison between departments, internal employees/subordinates and clients. 
• Ability to create and deliver effective oral and written presentations/proposals up to a senior level of management.
• Strong time management and organizational skills.
• Comprehensive solution-oriented thinker when dealing with clients, team members, internal functional departments and upper management.
• Ability to effectively manage and motivate matrix resources to attain organizational goals and influence without direct authority
• Strong project management skills including planning, documenting, communicating and delivering the end result on time.
• Ability to demonstrable domain knowledge of current industry and mobile commerce and payment ecosystem trends.
• Experience in a position of broad collaboration, influence and communication in a large organization.
• Skills in meeting objectives through influence, inspiration, facilitation and team building or business degree in Computer Science or MBA.
• Excellent teamwork skills preferably with experience of working in teams spread across boundaries.
• Client-facing experience

Qualifications

• Bachelor's degree in business, computer science, engineering, finance, or related field
• Proven track record of successfully delivering software products or features in an agile environment
• 1-5 years of experience in product management, digital product delivery, or business analysis within financial services or fintech
• Preferably strong understanding of Documentary and Open Account Trade flows
• Knowledge of API technologies, RESTful architectures, webhook implementations, developer portals, cloud platforms, and microservices architecture
• Experience with API documentation tools (Swagger/Open API, Postman)
• Comfortable reading and understanding technical architecture documents and system integration designs
• Familiarity with Trade technical standards such as Swift ICC Bank Guarantees and Letter of Credit Or ISO 20022 CGI / CBPR+ Standard
• Experience working across multiple markets or jurisdictions, understanding how to balance global standards with local requirements
• Excellent written and verbal communication skills with ability to articulate complex technical concepts to diverse audiences
• Strong stakeholder management capabilities, able to build relationships across product, technology, compliance, and regional teams
• Ability to work effectively in a matrixed global organization across different time zones and cultures

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.