Job Description

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Head of Cash Product and Digital Channels - Germany
Job Description
Requisition Number: 37450
Job Location: Frankfurt, DEU
Work Type: Office Working
Employment Type: Permanent
Posting Start Date: 05/01/2026
Posting End Date: 14/03/2026
Job Description:
We are seeking a senior Executive Director to lead our Transaction Banking Cash & Digital Products business in Germany.
This is a pivotal role to shape, grow, and deliver our Cash Management franchise, covering payments, receivables, liquidity, deposits, multi-currency accounts, clearing, and digital channels.
You will manage and grow a small team, drive infrastructure and product investment, and ensure we deliver outstanding solutions for our clients.
This role requires a strong cultural fit, people leadership skills, and the ability to make empowered decisions. German language fluency and knowledge of BaFin regulation are essential.
Help us create the business of the future. We are seeking a talented leader who is a deep product professional, with experience and depth in Cash Management for FIs and Corporates, and leading a business and team with a wide and varied set of responsibilities. The ability to manage multiple priorities, complex issues and initiatives, and influencing stakeholders both locally and globally to deliver the best outcomes for clients and the business is critical. It requires experience, passion, energy and resilience - a great challenge if you are ready for it
RESPONSIBILITIES
Strategy

• Understand the dynamics and innovation of cash management for corporate and FI clients with a view to identifying new business opportunities or competitive threats across the region. Devise local strategies to capture the opportunities and grow revenues. Review and recommend cash strategy for the support of European cash management products and work between Country, Region and Group TB Product Management to define and execute this.
• Own the execution of the Cash Management strategy in SCB AG which clearly articulates the business value of the product suite for our clients and for our stakeholders. This includes the production of clear business cases defining product features and functionality, target market, P&L projections and any changes required to internal processes and service delivery.
• Have a comprehensive overview of current and upcoming regulatory requirements on EU level and national interpretation, act as a bridge to Compliance functions and industry bodies, manage and ensure satisfactory implementation of any regulatory developments.

Business

• Demonstrate active product life cycle management through regular assessments of products; own the P&L and ensure financial and non financial objectives are met; review MIS and client / market/ sales feedback, demonstrating that solutions (and the business) are Fit for Purpose, fit for Growth and Fit for Sale as per TB Product, Programmes, Product governance, Risk and Conduct frameworks.
• Execute regional deployment of global cash product developments / functionalities with global/ local PMO team. Ensure timely deliveries on agreed strategy. Manage the TB business (cash) inputs to the Regulatory Programme's such as IPR, PSD3/PSR as well as regular scheme updates (SEPA, CBPR+,…) to ensure timely compliance and delivery. Position SCB AG for market changes in a timely manner and make us a leading provider of Cash Management services in the Country / Region.
• Develop, deliver, commercialise and ensure end to end governance of products in scope in Germany to achieve commercial and defined business outcomes and most importantly client value.
• Enable a high performing team and culture on all SCB AG TB capabilities, Cash Management and associated processes/procedures through regular webinars and training with Product, Sales, Coverage and FM.
• Work with Operations to improve overall service standards and to ensure that quality of service to clients is superior to competition.
• Ownership of adherence to and execution of local policies and procedures, and where appropriate Global policies for Cash, e.g. Product Governance, Pricing. Ensure timely renewal of Local Product Programmes (LPPG) in conjunction with Group Governance and proactively work with stakeholders to identify and quantify new and existing risks. Actively manage local governance as well as risks and issues in close cooperation with respective stakeholders (Compliance, Legal)

People & Talent

• Strong leader with experience in managing people. Lead and manage a small team of product professionals in Europe to deliver the Cash strategy; support and drive growth of the team as we build the business, sourcing talent and managing performance to enable a high performing team.
• Act as role model and coach/mentor for the team and broader Europe and TB business. Strong SME in Transaction Banking who can teach individuals and support personal development.

Risk Management and Governance

• Ensure country compliance on Group standard for Audit, Control and financial reporting, including reporting of risk
• Identify and mitigate the Operational, Credit, Regulatory and Business conduct risks relating to TB products within the country. Effectively and collaboratively identify, escalate, mitigate and resolve operational credit, regulatory and Business Conduct risk, and compliance matters relating to TB products within the region.
• Ensure country compliance on local and Group standard for Audit, Control and financial reporting,
• To act as the Responsible Person for the entity/ies assigned in the group and undertake the Responsible Person responsibilities for the entity/ies as set out in the relevant Subsidiary Governance Standard.

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.
• Lead the Germany Cash Product and Digital Team to achieve the outcomes set out in the Bank's Conduct Principles
• Understand PRA, FCA, Bafin regulatory requirements in relation to TB products in Germany and ensure ongoing compliance with them, instigating mitigating actions and product changes and programmes as required.

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.

Information at a Glance
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