Manager, WRB Data & Analytics

Job Summary

The role holder is responsible for managing the end-to-end implementation of Business Analytics, Campaign Management, Lead Generation, Client Segmentation, Customer Lifecycle Engagement, Portfolio Insights, Data Strategy, CVP Implementation, Profitability Analysis, Predictive Modelling, Lifting Conversions and Productivity, etc.

Strategy

• Plan effective Data and Analytics strategy for Wealth & Retail Banking (WRB).
• Support the business with timely and quality predictive, descriptive, prescriptive, and diagnostic analytics for sound decision-making.
• Implement advanced data tools in the management and use of data in the country.
• Develop and work with Group in creating tools/applications to gain operational efficiency and improve client service and experience.
• Align country data strategy with global data transformation and analytics projects in both the short and long term.
• Liaise with Group teams on rollouts of data and performance-related processes, initiatives, and information requests.
• Assist in the delivery of the management agenda through MIs, insights, and product/portfolio analysis.
• Work with Finance in developing profitability and impact analysis of key initiatives and business decision alternatives.
• Create a client-centric product that justifies CVPs with client preferences and profitability to optimize value for both the bank and client.
• Ensure rollout of key transformation initiatives and projects.
• Look out for business opportunities to maximize revenue and balances and save costs.
• Conduct customer segmentation to map client needs and customer journeys to make the best offers.
• Apply propensity models in all lead-generation activities, focusing on top-decile clients.
• Support Group in implementing Analytics tools and agenda in the country.

Key Responsibilities

Business

• Identify business opportunities through portfolio analysis and understanding customer behaviour at various stages of the client lifecycle.
• Develop statistical models and predictive analytics to place efforts on more likely clients to increase sales and balances and provide lift in conversion.
• Track specific KPIs in sales and scorecards and support WRB Management Team in driving key numbers.
• Appraise Product, Segments, and Distribution teams on campaign performance and ROI as applicable.
• Track closure of leads and appraise channel performance. Work with the CEMS team towards enhancement.
• Analyse profitability, balances, and risks to take actions on retaining, upgrading, and tail-managing clients and portfolio distribution across relationship managers.
• Leverage historical data through analytics to increase profitability.
• Review portfolios and perform descriptive analytics to ensure the portfolio is heading in the right direction.
• Mine appropriate data for diagnostic and prescriptive analytics to prevent shortcomings and recommend corrective action points.
• Conduct transaction analytics to bring more clients to digital and guide alliances to form more impactful partnerships.
• Conduct simulation testing to understand the cost and impact of new/updated products and features based on existing portfolio direction.
• Segment clients for test-and-learn campaigns before applying successful campaigns on a broader scale.
• Develop and present insights, simulations, and analysis for effective decision-making.
• Design and drive periodic/targeted customer campaigns to gain wallet share with more active clients throughout the client journey.
• Work with external data owners to develop models and generate external leads.
• Develop and support the development of tools for customer offering (S2S), CVP fulfilment, lead distribution, and automation of activities.
• Publish periodic dashboards on products/portfolios for Product and Segment Heads.
• Provide investigative support where needed.

Processes

• Develop solutions to manage CVPs with new products.
• Customer Lifecycle Management.
• Lead Generation and Campaign Management.
• Drive Activation & Retention initiatives.
• Cross-Sell and Deepening initiatives.
• Profitability and transaction analysis.
• Vintage, waterfall, and trend analysis.
• Manage customer fee waivers, other bank ATM fees, and other CVPs and ensure system updates.
• Ensure circulation of regular MIs and reports.
• Manage the Retail Analytics Process.

People & Talent

• Train team members in the latest technology and advanced tools.
• Coach and develop the skills of team members to remain updated.
• Build a robust team with continuous improvement of skills.

Risk Management

• Ensure Risk Management Standards are met as per Group guidelines.
• Work with risk teams to ensure data-related risks are properly managed.
• Remain continuously vigilant about any data or performance-related risks and highlight potential risk areas to business heads.
• Strictly adhere to the Retail Analytics Process and Portfolio MI and Reporting Process.

Governance

• Ensure proper closure of all campaigns through fulfilment and post-campaign analysis.
• Ensure data governance and privacy management.
• Ensure approvals are in place for cross-border/external data sharing.

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.
• Understand and ensure compliance, in letter and spirit, with 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

• WRB Management Team
• WRB Products and Segments
• Finance, IT, CFCR, GIA, FRMU
• Group Analytics Team
• Business Analytics Centre of Excellence (BA CoE)

Other Responsibilities

• Support all ad hoc requirements by business heads.
• Support business heads in implementing campaigns and initiatives.
• Support the Group Analytics team and BA CoE in launching initiatives.

Skills & Experience

• SQL
• Python
• Power BI
• Microsoft Access
• Microsoft Excel
• MicroStrategy

Qualifications

Education

• Graduate, preferably with 10 years’ experience in Consumer Banking or related roles.

Experience

• Experience and core understanding of database management and programming platforms such as SQL, Python, etc.

Functional Knowledge

• Product, Segment, Business Analytics & Performance Management knowledge.

People Management

• Strong interpersonal skills and ability to manage stakeholders.

Risk & Governance

• Core understanding of data framework, privacy, regulatory compliance, and CDD.

Languages

• Fluent in verbal and written communication in both Bengali and English.

About Standard Chartered

Standard Chartered is an international bank that has worked for more than 170 years to make a positive difference for its clients, communities, and employees. The Bank focuses on driving commerce and prosperity through its diversity and its brand promise of being “here for good.”

Standard Chartered emphasizes integrity, continuous improvement, innovation, collaboration, and inclusion, while putting clients at the heart of what it does.

What We Offer

• Competitive salary and benefits in line with the Fair Pay Charter.
• 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 leave, sabbatical leave, and volunteering leave, along with minimum global standards for annual and public holidays.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, development courses, a global Employee Assistance Programme, sick leave, mental health first-aiders, and self-help resources.
• A continuous learning culture supporting reskilling and upskilling.
• An inclusive and values-driven organization that embraces and celebrates diversity across teams, business functions, and geographies.