Product Owner (Financial Services) - HAL

About This Role

Job Summary To build a B2B Platform that will transform how SMEs in the UAE buy, sell and grow. To build a marketplace for business which is verified, trusted and digital where companies can find reliable suppliers, purchase in bulk, access financial service and manage procurement.

As the Product Owner, you will support the vision, development and launch of the financial services offering from day zero, working closely with engineering, design, data and operations to build intuitive and scalable digital workflows for SMEs across the UAE. This is a foundational product role that directly influences adoption, engagement and long-term multi verticality.

Key Responsibilities Strategy The product manager is responsible,

• To build a scalable multi-vendor B2B marketplace for SMEs to access financial services.
• Will plan the strategic roadmap and will work to achieve the product vision by collaborating with cross-functional teams (engineering, design, marketing).
• Will own multiple financial services workflows for SMEs.
• Build intuitive onboarding flows for SMEs to access regulated and unregulated financial services

Business The product manager should,

• Work towards translating business workflows into intuitive digital experiences and interact directly with the development team
• Should leverage on customer discovery, usage data and seller feedback to drive product market fit.
• Work with financial services partners to provide solutions for SMEs on the platform
• Use data to measure funnel performance, platform utilization, customer satisfaction
• Develop a deep understanding of SME behaviour
• Identify and remove friction points across the supply and demand sides of the marketplace
• Create new financial services products for SMEs
• Prepare the marketplace for scalability for multi-vertical expansion and cross border initiatives
• Work with Chief Commercial Officer to validate the products and features are aligned to business outcomes

Processes

• The product owner will work on building the product from the scratch and also collaborate with teams to embed credit and compliance within the product. Collaborate with financial services partners to refer new business, co-create financial services products and interact with SMEs.

People & Talent The product manager will work closely with designers and developers to build the product. The product manager should have,

• Deep understanding of SME lending and financial products
• Experience building end-to-end product experiences
• Ability to simplify complex ME B2B user journeys into clear, intuitive flows
• Strong ability to work within a small team with high accountability and cross functionally across ops, engineering, design and external partners
• Analytical mindset - able to interpret data, KPIs and funnels and drive decisions grounded in insight
• Ability to operate in ambiguity and build from ground up with constrained resources
• Comfortable running discovery, writing strong PRDs and managing iterative delivery cycles
• Experience in the UAE or MENA region and familiarity with SME buying behaviour is strongly preferred
• Understanding of APIs, integrations and platform thinking is beneficial.
• 8+ years of product management experience, ideally in B2B, procurement, marketplaces or e-commerce
• Track record of building or scaling multi-sided platforms or B2B SaaS tools
• Strong problem-solving skills with a customer centric mindset
• Excellent communication skills and ability to translate business needs into technical requirements
• Experience working with lean teams in a fast-paced environments

Risk Management

• The product manager should ensure marketplace integrity by overseeing product data accuracy, guaranteeing product safety and quality, and implementing security measures to build customer trust and maintain platform compliance.

Governance

• The product manager should ensure that the platform adheres to the business rules and legal standards.

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

• Internal teams: Engineering, Design, Marketing, Sales, Support, compliance and senior management. External groups: Customers, Suppliers, Partners, Investors

Other Responsibilities

• Embed Here for good and Group’s brand and values in HAL. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Skills And Experience

• Product management experience in UAE
• B2B marketplace
• SME needs
• SME financing
• E-commerce
• AI familiarity
• Project Management
• Stakeholder Management

Qualifications Education MBA OR Equivalent

Languages English, Arabic (Desirable)

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.