Manager, Product Strategy and Mgt, Bancassurance
Standard Chartered Bank
Hong Kong, Hong Kong, Asia
1天前

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation.

This in turn helps us to provide better support to our broad client base. The Role Responsibilities

Strategy

  • Execute annual product roadmap to support APE growth and revenue generation
  • Support product development and work closely with key stakeholders / support functions to formulate, implement and enhance life insurance product
  • Drive competitive customer offer / strategic campaign to drive business growth
  • Support the execution of life digital agenda and uplift product penetration of mass client segment
  • Good understanding of market trend / development and proactively identify new business opportunity
  • Business

  • Participate in annual budgeting and product strategy discussion
  • Have good understanding on market trend, client needs and provide timely market intelligence update
  • Manage and execute customer offer campaign
  • Ensure full compliance and execution of banca product governance policies and processes to meet internal and group requirements, as well as local regulatory requirements
  • Drive digital product and marketing plan for life to uplift our penetration and promote up-sell opportunity
  • Processes

    Responsible for executing and managing the following process :

  • Product Management for (i) Prudential Life products distributed to Retail / Commercial clients; (ii) Broker products distributed to PvB clients;
  • iii) HKMC Annuity. Scope of product management includes : New product approval / modification Product renewal Regular product maintenance, e.

    g. annual bonus declaration, medical repricing, credit rate change

  • Provider Approval / Management for (i) Prudential; (ii) Other insurers distributed via PvB broker models; (iii) HKMCA
  • Digital life product distribution via online banking / SC Mobile
  • Ensure our life product fulfil all relevant regulatory circulars guideline from HKIA / HKMA, and internal Group guideline / risk framework
  • Risk Management

  • Proactively identify, assess, monitor, control and mitigate risk related to life insurance product distribution
  • Advise relevant stakeholders on the application of relevant risk management frameworks and on outcomes of risk identification and assessment methodologies
  • Ensure proactive and timely assessment, execution of evolving regulatory changes / practices and associated risks
  • Governance

  • Obtain necessary approvals from local / group product approval forum for all new product launch / modification / renewal
  • Be accountable for identification and escalation of potential risks and issues to senior management through appropriate governance channels
  • Propose control effectiveness and efficiency improvements and simplifications where appropriate
  • Ensure timely completion of gap analysis and comply with any regulatory change related to life product
  • Ensure all relevant approval records / evidence are in place to prepare for any audit / regulatory on-site exam
  • 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 identify, escalate, mitigate and resolve risk, conduct and compliance matters
  • Key Stakeholders

  • Distribution Network
  • Insurance Specialist Team
  • Segment
  • WM Hong Kong COO & Operations (WM P&P, BRM, Conduct)
  • Country Legal & Compliance
  • Country Conduct
  • Operation Risk
  • Group Bancassurance
  • Life Insurance Partners
  • Our Ideal Candidate

  • University graduate with degree in Marketing / Business Admin / Actuarial / related disciplines
  • In-depth understanding in life insurance encompassing product development, product marketing and business development
  • Possess strong insight on customer needs, industry trends and regulatory environment
  • Good project management skills
  • Excellent communication skills
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