Job Summary
• Drive digital acquisition and sales operation across consumer retail products via digital channels to elevate percentages of digital sales against offline channels.
• This role drives AI enabled digital acquisition and sales across consumer retail products, increasing the share of digital vs. offline sales.It uses data and AI to design and optimize own media acquisition and cross sell strategies, including advanced audience segmentation, next best offer, and conversion optimization.
• AI driven campaign management and experimentation (A/B and multivariate testing) using MarTech and decisioning tools to continuously improve performance.
• Partner with Analytics and Product teams to build and refine an AI centric digital analytics framework, including forecasting and machine learning models for sales and funnel optimization. The role applies AI insights to enhance end to end digital sales journeys and manage aggregator partnerships, improving both sales volumes and customer quality
Responsibilities
Strategy
• Drive digital acquisition and sales operation across consumer retail products via digital channels to elevate percentages of digital sales against offline channels.
• Manage and develop effective own media channel acquisition and cross-sell strategies, including defining audience segmentations and optimizing conversions.
• In close collaborations with Product, External experts, to develop and design lifecycle programs.
• Drive and optimize Digital Analytics framework in collaboration Retail Analytics team – to help Digital Marketing, Product, Segments, and Operations with periodic assessment of our collective performance followed by effective communication and execution of campaign and optimization efforts
Business
• Regular discipline in leveraging Digital Analytics to track, monitor, analyse and report online sales funnel to identify opportunities to drive up digital sales for Personal Loans.
• Support digital sales optimization programs through following but not limited to the development and execution of AI-driven campaign management, and A/B and multivariate tests using MarTech tools.
• Forecast sales performance trends, set performance management standards and achieve 'Best in Class’ online sales mix relative to total sales, and increase our overall market share.
• Work with Retail Product Owners to propose and deploy innovative and effective digital campaigns for both online (SC.com) and mobile channels (SC Mobile App).
• Support the Digital team lead on on-boarding projects which involves external API built and collaboration with Regulators and/or FinTech partners.
• Manage aggregator partnerships and maximize aggregators’ sales potential while improve customer quality.
Processes
• Understand and optimize all existing Digital Sales journeys and processes and work closely with cross-functional teams including Product, Operations, Credit, Tech and Group teams to craft new end-to-end Digital Sales Journey and Processes that maximize client experience and satisfaction.
People & Talent
• Facilitate respectful and collaborative culture with fairness and transparency.
Risk Management and Governance
• Implement new digital capabilities, initiatives, and campaigns in accordance with Retail Banking Risk Management framework and governance processes.
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group’s Value 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.
• Lead Digital Sales team to achieve the outcomes up in the Bank’s Conduct Principles. Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance, The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.
Key stakeholders
• Retail banking Products, Segments, Digital Marketing, Analytics, and Group Martech and Tech Teams
Other Responsibilities
• Embed Here for good and Group’s brand and values in Wealth & Retail Banking. Working closely with Group Digital Sales to delivery digital best-practices to delivery business agenda.
Our Ideal Candidate
• 10+ years in retail banking or finance industry
• Education: Bachelor’s Degree Or Higher From A Reputable University
• Proven track record of driving digital sales and ROI
• Knowledgeable in digital Marketing technology
• Commercial mindset and result driven
Role Specific Technical Competencies
• Digital Campaign and Project Management
• Analytical Skills
• Digital Marketing Technology
• Digital Sales
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
