Associate Director, Cash Product Management

Job Summary

Are you looking to build a long term career in banking with exposure, responsibility, and variety from day one? This is a unique opportunity to join Standard Chartered Bank AG’s Cash Product team, working at the heart of Transaction Banking in Europe.

In this role, you’ll gain hands on experience across the full cash management product landscape, supporting both Corporate and Financial Institution (FI / NBFI) clients. From accounts to payments to collections, clearing, digital assets and transactional FX, you’ll develop a deep understanding of how global cash management products are designed, priced, governed and delivered.

What Makes This Role Exciting

• Breadth and variety – Work across multiple cash products rather than being siloed, gaining exposure that few early career roles can offer
• End to end product ownership – Learn how products are managed across their full lifecycle, from strategy and regulatory considerations through to performance, pricing and client impact
• International perspective – Support a growing European franchise that connects clients across Europe, the UK and Standard Chartered’s global network
• Client focused learning – Partner closely with Sales and Relationship Managers to understand real client needs and market dynamics
• Strong development platform – Build commercial, analytical and stakeholder management skills while working with experienced product leaders and regional teams

What You’ll Be Doing

• Supporting the execution of cash product strategy across Europe
• Analyzing product performance, revenue drivers and market trends
• Helping manage pricing, billing and product governance
• Working with internal teams across Sales, Operations, Risk, Compliance and Finance
• Contributing to regulatory, risk and control frameworks that underpin safe and sustainable banking

Who This Role Is For

• Curious about how banking products really work
• Comfortable working with data analysis to produce insights that drive decisions
• Interested in transaction banking, payments and cash management
• Looking for a role that offers learning, visibility and long term growth, not just routine execution

Key Responsibilities

Business

• Provide monthly MIS to connect business performance data and uncover actionable insights
• Continuously assess products for suitability, growth potential, and sale readiness per TB Product Programmes and Risk frameworks
• Follow the Product Lifecycle Framework by managing and executing country-level Cash product plans and exploring new markets
• Collaborate with Group Product teams to align product delivery and ensure local market requirements are met
• Gather competitor and regulatory intelligence to strengthen market position
• Partner with Relationship Managers and Transactional Banking Sales teams to grow business in Europe
• Oversee pricing and billing, optimize revenue and costs, and deliver on financial targets, including fee initiatives
• Regularly review pricing, evaluate waivers or exceptions, and benchmark against competitors to set optimal local product prices

Processes

• Identify opportunities and drive implementation of process and service improvements within appropriate governance to enhance product execution across sales, implementation, and service
• Write and review regional product documents; collaborate with stakeholders to assess risks. Support new product launches in the region, ensuring compliance with local AG and European governance requirements

People & Talent

• Represent TB and advocate for our business and our region
• Participate and be present in the AG community, TB and bank-wide networks

Risk Management

• Identify and proactively manage open risks, escalating promptly and clearly
• Develop mitigants, propose remediation plans, and take ownership to ensure closure
• Provide regular progress updates, elevate when needed, and seek assistance early to unblock

Governance

• Follow group standards, local policies, and procedures, including product governance, change management, and operational risk management. Prepare and deliver risk or governance updates to committees and forums
• Renew country product documentation on time and coordinate with stakeholders to keep documents current and ensure timely approval

Qualifications

• Education: Graduate (mandatory) or Postgraduate
• Certifications: Certificate in International Cash Management or similar well regarded
• Languages: English (mandatory); German (well regarded); Knowledge of Product Line

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, combined to a minimum of 30 days
• 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 various 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 that embraces and celebrates diverse perspectives across our teams, business functions and geographies—everyone feels respected and can realise their full potential