AVP, Product Owner, WRB Tech

Overview

The role will be responsible for handling the Project Delivery for the Cards and Payment domain. This includes developing project plans, defining project scope, and tracking and monitoring projects from inception to closure while adhering to group standards and controls for successful delivery. The candidate will identify and manage risks, including developing contingency plans to mitigate potential issues. Knowledge of card issuing and transaction acquiring processing and standards is required, along with ISO8583 messaging standard protocols. The role involves developing solutions, stakeholder management, vendor and financial management, developing project costs, and delivering developed solutions. Hands-on experience with VISA, MasterCard, UPI and other national card schemes issuing & acquiring, and scheme compliance requirements is preferred. Desirable knowledge includes national schemes and processor integrations, APIs (SOAP, JSON, REST, etc.), Web Service Integration, Back Office integration, and HSM protocols and configuration. Familiarity with encryption keys / cryptography (symmetric and asymmetric keys; 3DES, AES, SM4, SHA), EMV technologies and standards, PCI DSS and PA DSS, contact and contactless technologies, 3DS and tokenization standards, EFT transaction switching or online banking environments, and automated test tools and simulators. Experience with Google Pay / Samsung Pay / Apple Pay Wallets and QR Code and emerging payments is an added advantage. Strong design and programming knowledge in CICS, COBOL, JCL, VSAM, MVS. Knowledge of end-to-end SDLCs (waterfall, Agile and other modern approaches). Excellent verbal and written communication skills for technical and non-technical audiences at various levels. Ability to share relevant technical / industry knowledge, strong problem-solving, time management, and collaborative skills. Banking or financial services experience and experience in Cloud and Digital transformation projects are advantageous. Knowledge of open banking is a plus. Ability to review requirements, perform impact / gap analysis, high-level design, cost estimation, propose timelines, obtain project approval, and draft solution architecture / technical specifications. Leadership and SME capabilities with strong collaboration across teams and stakeholders. Responsibilities

Develop project plans, define scope, and track initiatives from inception to closure in the Cards and Payment domain. Identify, assess, and manage risks; develop and implement contingency plans. Coordinate stakeholder management, vendor relations, and financial aspects of projects. Ensure compliance with card issuing / acquiring standards, scheme requirements, and relevant security standards (PCI DSS / PA DSS). Interface with APIs, Web Services, and back-office integrations; oversee system integrations and data flows. Support EMV, 3DS, tokenization, encryption, and HSM-related configurations and protocols. Lead end-to-end SDLC activities (waterfall, Agile, and other modern methods) and ensure quality through testing tools and simulators. Collaborate with cross-functional teams and communicate effectively with technical and non-technical audiences. Provide domain and technical leadership, and contribute to architecture, design, and documentation. Qualifications

B.Tech / BE or MBA in Computer Science / Information Systems or related IT field; 8–12 years of experience. Knowledge of Card Issuance / Management, Digital Channels interface, Encryption, HSM, and ISO8583 standards. Familiarity with EMV (Contact / Contactless), VISA / MasterCard Issuing & Acquiring, and scheme compliance requirements. Experience with PCI DSS and PA DSS compliance requirements. Experience in switch integration with VISA / Mastercard; familiarity with UPI, JCB, and national switches. Experience with Google Pay / Samsung Pay / Apple Pay Wallets and QR code-based payments; emerging payments experience is advantageous. Experience in Web Services integration and APIs; understanding of SDLCs (waterfall, Agile). Strong ability to prepare Solution Architecture documents, functional and technical specifications. Excellent problem-solving, teamwork, and time-management skills. 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. 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.

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