AVP, Product Owner (Credit Cards Domain)

Standard Chartered; Kuala Lumpur; On-site; MYR 60,000 - 100,000; Full time

Job summary

A forward-thinking international bank is seeking an AVP, Product Owner for the Credit Cards Domain. This pivotal role involves managing project delivery, developing solutions, and ensuring compliance with industry standards. Ideal candidates will have over 10 years of experience in the Cards Domain, strong programming skills, and a deep understanding of card issuing and transaction processes. Join a dynamic team that values integrity, innovation, and collaboration, and contribute to transformative projects that drive commerce and prosperity in a diverse and inclusive environment.

Benefits

Core funding for retirement

Medical and life insurance

Flexible working options

Proactive wellbeing support

Continuous learning opportunities

Minimum of 30 days annual leave

Parental leave (20 weeks)

Sabbatical (up to 12 months)

Volunteering leave (3 days)

Qualifications

• 10+ years in the Cards Domain with strong design and programming knowledge.
• Experience with VISA, MasterCard, and UPI integrations.

Responsibilities

• Manage project delivery for Cards and Payment domain.
• Develop project plans and track progress from inception to closure.

Skills

Project Management

Stakeholder Management

Risk Management

Card Issuing Knowledge

API Knowledge

Problem Solving

Collaboration Skills

Negotiation Skills

Education

B TECH, BE, or MBA in Computer Science

Tools

CICS

COBOL

JCL

VSAM

MVS

Job description

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AVP, Product Owner (Credit Cards Domain)

• The role will be responsible for handling the Project Delivery for the Cards and Payment domain.

• Will be responsible for developing project plans, defining project scope, tracking and monitoring projects from inception to closure, and must adhere to group standards and controls for successful delivery. Ability to identify and manage risks, including developing contingency plans to mitigate potential issues.

• Knowledge of card issuing and transaction acquiring processing and standards.

• Knowledge of ISO8583 messaging standard protocols.

• Will be responsible for developing solutions, stakeholder management, vendor and financial management, developing project costs, and delivering the developed solutions.

• Hands-on experience with VISA, MasterCard, UPI, and other national card schemes issuing & acquiring, scheme compliance requirements.

• Desirable to have knowledge of national schemes and processor integrations.

• Knowledge about APIs (SOAP, JSON, REST, etc.) and Web Service Integration.

• Knowledge about Back Office integration.

• Knowledge about HSM protocols and configuration, encryption keys/cryptography (symmetric and asymmetric keys, 3DES, AES, SM4, SHA).

• Familiarity with EMV technologies and standards, PCI DSS, and PA DSS standards.

• Familiarity with contact and contactless technologies, 3DS, and Tokenization standards.

• Experience with EFT transaction switching or online banking environments.

• Hands-on experience with automated test tools and simulators.

• Knowledge of end-to-end systems development life cycles (waterfall, Agile, and other modern approaches).

• Knowledge of Card Issuance/Management, Digital Channels interface, Encryption, HSM, and ISO8583 messaging standards.

• More than 10 years of experience in the Cards Domain, with understanding of Mainframe frameworks.

• Strong design and programming knowledge in CICS, COBOL, JCL, VSAM, MVS.

• Familiarity with EMV Contact/Contactless, VISA, and MasterCard Card Issuing & Acquiring, Scheme compliance requirements.

• Familiarity with PCI DSS and PA DSS compliance requirements.

• Experience on switch integration with VISA/Mastercard is mandatory, others like UPI, JCB, and national switches are a plus.

• Experience with Google Pay, Samsung Pay, Apple Pay Wallets, QR codes, and emerging payments is advantageous.

• Experience in Web Service integration and APIs.

• Ability to prepare solution architecture documents, functional, and technical specifications.

• Excellent problem-solving, team, and time management skills.

• Willingness to share relevant technical and industry knowledge.

• Experience in banking or financial services industry.

• Working experience in Cloud and Digital transformation projects is a plus.

• Good knowledge of open banking is a plus.

• Ability to review requirements, impact analysis, gap analysis, high-level design, cost estimation, propose timelines, obtain project approval, and draft solution architecture and technical specifications.

• Leadership qualities and subject matter expertise in both technical and functional areas.

• Strong collaboration and relationship-building skills across organizational levels.

• Strong influencing, conflict resolution, and negotiation skills.

Qualifications

• B TECH, BE, or MBA in Computer Science, Information Systems, or related IT field; 8 to 12 years of experience.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For over 170 years, we've worked to make a positive difference for our clients, communities, and each other. We challenge the status quo, love a challenge, and seek new opportunities to grow and improve. We value your unique talents and look forward to your contribution.

Our purpose is to drive commerce and prosperity through our diversity, aligned with our brand promise to be here for good, embodying our core values:

• Do the right thing: Act with integrity, challenge constructively, and prioritize clients.
• Never settle: Strive for continuous improvement and innovation.
• Are better together: Embrace diversity, inclusivity, and teamwork for long-term success.

What we offer

In line with our Fair Pay Charter, we provide a competitive salary and benefits supporting your wellbeing.

• Core funding for retirement, medical, and life insurance, with additional voluntary benefits.
• Time-off including annual leave, parental/maternity leave (20 weeks), sabbatical (up to 12 months), and volunteering leave (3 days), with a minimum of 30 days annual and public holidays.
• Flexible working options around home and office locations.
• Proactive wellbeing support via platforms like Unmind, development courses, Employee Assistance Program, and self-help tools.
• A culture of continuous learning with opportunities for reskilling and upskilling.
• Being part of an inclusive, values-driven organization that celebrates diversity and respects all employees.