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Driving deposit portfolio growth and pricing optimisation in KL’s retail banking.
Mid‑level role with focus on balance sheet, portfolio performance, and regulatory compliance.
Title: Deposits Portfolio & Pricing Manager
Location: Kuala Lumpur, MYS
Global Grade: Band 6
Work Type: Office Working
Employment Type: Permanent
Posting Start Date: 09/07/2026
Posting End Date: 08/08/2026
Job Description:
Job Summary
- • Support Retail Deposit pricing and portfolio management activities, portfolio performance measurement, portfolio forecasting and margin optimisation
- • Launch and implement portfolio programs to drive balance sheet growth and stickiness
Key Responsibilities
Strategy & Business
- • Drive and execute periodic portfolio programs. Track execution of portfolio decisions and action plans.
- • Work closely with Segments, Retail analytics and Sales channels to understand behavioural drivers and ensure these are reflected across portfolio programs
- • Responsible to ensure new clients across various sales channels are activated and work closely with key stakeholders to build an effective onboarding / activation journey
- • Specific focus on Affluent balance build and deepening & activation of clients via digital channel
- • Optimize deposit portfolio balances, margins based on market and competitive dynamics
Processes, Risk & Governance
- • Drive simplification in processes to deliver better client experience and cost efficiencies
- • Review and improve operational processes to support the product and service journeys
- • Identify, mitigate, monitor and resolve risk issues
- • Review product operations, client experience, client complaints to ensure operational issues are resolved
- • Work closely with in-country Project Managers and Compliance, and regulators to ensure the retail payment agenda and requirements are met
- • Ensure adherence to bank’s values; legal & compliance as top-of-mind during strategy and execution
- • Ensure reporting requirements are met in a timely manner
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 - 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, expedite, mitigate and resolve risk, conduct and compliance matters.
Skills and Experience
Must-have Skills
- • Banking Products and Service Development
- • Product Development Strategy
- • Regulatory Environment – Financial Services
Other Skills
- • Marketing Channels
- • Data Gathering and Reporting
- • Profitability Analysis
- • Financial Risk Management
Motivations
- • Shows ownership towards results and commitment to goals
- • Highly independent and self‑motivated, with minimal supervision required
Qualifications
Key Experiences
- • Recognised University Degree or above
- • Experience in financial services, with preference in Deposit and/or Credit Cards
- • Strong understanding of product analysis and strategy, and systems & operations
Languages
- • English
- • Malay (Optional)
- • Mandarin (Optional)
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
Job Skills
Relevant Skills
- Customer Experience
- Elearning
- Measurement and Metrology
- Balance Sheets
- Forecasting Skills
- Chinese
- Malay
- Self Motivation
- Data Collection
- Product Design
- Mental Health
- Governance Risk Management and Compliance
- Knowledge of Finance
- Deposit Accounts
- Profitability Analysis
- Sales
- Retail Commerce
- Innovation
- Marketing
- Geography
- Continuous Training
- Financial Risk
- Service Development Studio
- Investment Performance
- Risk Analysis
- Regulatory Compliance
- Perseverance
- Strategies of Pricing
- Portfolio Management
- Banking Services
- English
- Assertiveness