Please Note
- An estimate based on public data for similar roles. Not provided by the employer.
Product Owner, Referral Growth
Role summary
Written by MyIslandJob from the job title and employer. See the employer's page for the full description.
The Product Owner, Referral Growth role is responsible for developing and expanding customer referral journeys that support acquisition and engagement across Standard Chartered’s digital channels. Requirements typically include a degree in business, technology, marketing or a related discipline, experience in digital product management or growth initiatives, and familiarity with customer journeys, analytics, Agile delivery and stakeholder management. The successful candidate is expected to define product priorities, translate business goals into clear requirements, monitor referral performance, improve conversion, and collaborate with technology, marketing, compliance and country teams. Strong communication, commercial awareness, problem-solving ability and a customer-focused mindset are essential.
Can I work in Malaysia?
Never pay anyone for a visa or a job offer. A real employer pays the permit costs and never asks you for money.
How it works
How it works: Employment Pass with a Bank Negara letter; RM 5,000+ basic (about USD 1,150) after a 14-day MYFutureJobs advert (exempt at RM 15,000+); 10 years from RM 10,000.
Before you apply: Dealing, advising and senior roles usually need a regulator's licence or approval, which checks your honesty, skills and finances. Ask if your job does.
Watch for: Only basic pay counts towards the RM 5,000 floor, not allowances; from 1 January 2027 EP II and III applications need a succession plan to train a Malaysian.
Official source: Expatriate Services Division: ESD Online Guidebook 2025. Checked November 2026.
What the job usually comes with in Malaysia
Usual for Banking jobs in Malaysia, varies by employer. Checked November 2026.
| Housing | Not provided; senior expats may get a housing allowance |
|---|---|
| Relocation | Employer usually pays the pass fees (about RM 330 to 480) and any levy; relocation money for senior hires only |
| Flights | Not standard; senior packages may add a joining flight and home leave |
| Contract | Fixed term tied to the pass, up to 5 years each; EP I and II capped at 10 years, EP III at 5 (June 2026) |
| Leave | Peninsular Malaysia: 8 days a year, 12 after 2 years, 16 after 5; 11 public holidays; 45-hour week (by law) |
| Income tax | Flat 30% until 182 days in a year, then 0% to 30%; EPF pension 2% + 2% is mandatory since October 2025 |
| Health cover | Work-injury and invalidity cover via SOCSO (by law); no public health cover; employers add private insurance |
Senior staff often get more than line staff, for example a single room or a yearly home flight. Ask the employer what the job includes before you accept.
Guidance, not legal advice. Rules change; your employer confirms the details for your case.
About Standard Chartered
Standard Chartered is an international banking group headquartered in London, with a strong presence across Asia, Africa and the Middle East. The bank provides retail, private, commercial and corporate banking, wealth management, financial markets and transaction banking services. Malaysia is one of its important markets, offering services to individuals, businesses and multinational clients. Standard Chartered has invested substantially in digital banking, data, customer experience and responsible finance, creating opportunities in product management, technology, operations, risk and relationship banking. Its culture emphasizes inclusion, international collaboration, innovation and sustainable economic growth. Employees commonly work with regional and global teams, making the organisation suitable for professionals seeking exposure to cross-border banking projects and digital transformation.