Senior Product Specialist, Fixed Income

Area of interest: Private Banking & Wealth Management

We are seeking a highly skilled and dynamic Senior Product Specialist – Fixed Income, to drive the advisory and distribution of Fixed Income in our Private Banking and Wealth solutions division. This role requires a deep understanding of Fixed Income, the ability to provide technical product comparisons, and strong market insights to support bankers, advisors and clients in making informed investment decisions towards meeting clients' desired investment objectives.

• Primary responsibility for executing the product strategy, driving, and delivering the Fixed Income numbers associated with the regions' head.
• Supporting the Wealth Solutions businesses in the Middle East as a unique provider of value-added financial services for Private bank client segment through formulation and implementation of group and country strategies to maximize profitability with compliant sales.
• Be the subject matter expert for Fixed Income Solutions, providing guidance, technical comparisons between available products, assessing factors such as risk return profiles, performance, and strategies.
• Work with internal and external stakeholders to enhance product offerings, make available new fixed income instruments and strategies and optimize existing solutions based on client demand and market opportunities.
• Conduct regular performance assessments of product ideas engaging with market, internal product teams, investment advisors and other necessary stakeholders toward maintaining the quality and relevance of our fixed income offerings.
• Monitor and grow the fixed income portfolio in a stable and diversified manner (considerations for Product Concentration, Issuer Concentration, Geographical concentration, etc).
• Collaborate with bankers, relationship managers and investment advisors to identify client needs and cross-sell suitable Fixed Income solutions in line with clients' risk profile and investment objectives.
• Serve as a key liaison between internal product teams, CMPS dealing and market execution teams and sales teams ensuring seamless communication and execution of product strategies.

Business

• Drive the Fixed Income business ensuring strong support for clients' investment decision making, meeting revenue targets, growing Fixed Income AUM and Net New Sales by providing the following:
• Provide timely market updates and accurate product information to clients and stakeholders.
• Monitor market movements, macroeconomic developments and provide regular and timely feedback to Bankers, Relationship Managers and clients.
• Ensure prompt and accurate execution of clients' orders through systems and/or market desks as may be applicable.
• Actively provide guidance, training and support to Bankers and RMs on Fixed Income.
• Keep abreast of competitors' tactical mapping, pricing, product offerings and market intelligence.
• Ensure compliance with regulatory and internal policies as applicable.
• Project a high level of professionalism in all client engagements to uphold image of the Bank.

People & Talent

• Develop a people culture which encourages and champions change among colleagues in the daily workplace. This will facilitate product innovation and process improvement with the objective of delivering superior Customer & Frontline experience.
• Collaboratively partner with risk teams to ensure risk management procedures and processes are effectively implemented to operate within operational and credit risk appetite.
• Develop and implement appropriate rules and guidelines to ensure that all internal and external – legal, compliance and risk management requirements – are met.
• Work collaboratively with countries and functions to ensure any audit findings are suitably rectified.

Governance

• Responsible for understanding the Group's arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas; Awareness and understanding of the regulatory framework, in which the Group/Country operates, and the regulatory requirements and expectations relevant to the role, from a country perspective.
• Maintain an adequate control environment and operational procedures to prevent loss arising from non-adherence to controls.
• Monitor regulatory and market development and provide feedback on the market and the business to the sales and management team.
• Ensure compliance with all regulations and controls as set by the Bank and external regulatory authorities associated with Investment products.
• Provide policy guidance and product support to Wealth Management units across the region for local sales & distribution of Investment products.

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.
• Work to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]

Key stakeholders

• Bankers/Relationship Managers.
• Group WM including Group CMPS
• Group CIO functions
• Private Banking Head and Market Heads
• Private and Affluent Banking Relationship Managers
• CMPS Dealers.
• CMPS Product Managers
• Group & Country Legal and Compliance Teams
• Financial Markets Team
• WM & CMPS COO Teams
• Operations Teams

Other Responsibilities

• Embed Here for good and Group's brand and values in UAE/BH/Wealth Solutions/CMPS; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

• Experience in Fixed Income Trading or Sales and Advisory within Private banking or Wealth Management.
• Management with responsibilities for product management, ideation, investment process, investment systems and investment risk.
• Technical Skills: Strong and extensive practical knowledge of Fixed Income, investment portfolio analysis and risk management. Ability to conduct detailed product comparisons and performance analysis.
• Market Knowledge: Up to date on global investment trends, macroeconomics, and financial markets, with the ability to translate insights into actionable investment strategies.
• Sales & Business Acumen: Proven track record of driving net new sales, revenue growth, and AUM expansion. Strong aptitude for sales, leads management and deal closure.
• Communication & Presentation: Excellent ability to convey complex investment concepts to clients, Bankers, RMs, and Investment Advisors. Strong relationship-building skills.
• Extensive knowledge of investment theory and practice, regulatory rules and procedures.
• Strong leadership qualities, excellent interpersonal skills and multicultural awareness and sensitivity.
• Ability to work independently.
• Ability to identify need for change, adaptable and flexible in anticipating and realizing market opportunities.

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.

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.