Product Manager (Lending)

We’re on a mission to make financial services accessible and effortless for SMEs. As one of Singapore’s latest digital wholesale banks fully regulated by MAS, we’re committed to continuous innovation to bring about simpler, safer and more rewarding financial services. #bringingaboutwhatsnext

As the Product Manager, you will own the commercialization of our SME credit products — from opportunity sizing and pricing through launch and post-launch optimization — ensuring each product is market-ready, commercially viable, scalable, and compliant.

This is a hands-on individual-contributor role, working across Business, Product, Technology, Marketing, Risk, Legal & Compliance, Finance, Operations, and Data teams.

Job Responsibilities

Commercialization Strategy

• Own the end-to-end commercialization plan for SME lending products — opportunity sizing, proposition, pricing, business case, launch, scaling, enhancement, and retirement.

• Translate market research, customer needs, portfolio data, and competitor intelligence into segment priorities, value propositions, and investment recommendations.

• Define target segments, channel strategy, sales proposition, commercial terms, and go-to-market plans with Business and Marketing.

Pricing & Commercial Performance

• Own pricing strategy and governance — frameworks, rate cards, fee structures, return thresholds, approval authorities, and exception principles.

• Develop risk-based pricing recommendations using funding cost, expected loss, operating cost, capital consumption, customer value, and competitive benchmarks.

• Build business cases, unit economics, revenue forecasts, and profitability/sensitivity models with Finance and Risk.

• Monitor price realization, margin, yield, and risk-adjusted returns; recommend repricing or portfolio actions when performance deviates.

Launch & Digital Delivery

• Lead cross-functional launch readiness — product requirements, credit policy, customer journeys, operations, controls, documentation, training, and reporting.

• Convert commercial and credit needs into clear requirements and prioritized roadmaps with Product, Design, and Technology.

• Resolve delivery trade-offs while keeping stakeholders aligned on scope, timing, and commercial outcomes.

Performance & Lifecycle Management

• Define and monitor KPIs: acquisition, funnel conversion, approval rate, utilization, price realization, yield, revenue, margin, risk-adjusted return, CX, and portfolio quality.

• Use cohort, segment, channel, and funnel analysis to identify growth opportunities, friction points, pricing gaps, and emerging risks.

• Design experiments and post-launch reviews; recommend improvements based on measurable outcomes.

Governance & Responsible Product Design

• Embed MAS requirements, responsible lending principles, credit policy, risk appetite, and conduct standards throughout product design and commercialization.

• Own the product-program repository — approval papers, decision trails, version control, and renewal submissions — audit-ready at all times.

• Coordinate inputs/approvals across Credit Risk, Operational Risk, Fraud, Legal & Compliance, Finance, Operations, and Technology; support audits.

Requirements

• 5+ years of relevant experience across lending product management, commercialization, or product development in a bank, digital lender, fintech, or financial institution.

• Hands-on knowledge of SME lending products such as working-capital loans, term loans, credit lines, or trade finance, including credit assessment, loan structuring, and risk-based pricing.

• Proven experience taking a regulated financial product from concept or enhancement through approval, launch, adoption, and performance optimization.

• Strong pricing and financial capability, including risk-based pricing, unit economics, profitability, business cases, forecasting, sensitivity analysis, and commercial KPI management.

• Working knowledge of digital product delivery, customer-journey design, agile practices, product requirements, testing, and technology dependencies.

• Sound understanding of Singapore banking regulation and the ability to work constructively with Risk, Legal and Compliance, and governance forums.

• Clear executive communication and strong stakeholder influuence; able to turn complex product, credit, and commercial issues into concise decisions and action plans.

• Excellent spoken and written English and Mandarin Chinese for engagement with Mandarin-speaking stakeholders and partners.

Preferred

• Experience in a digital wholesale bank or fast-growth finntech serving SMEs.

• Practical experience with SQL, BI tools, experimentation, or product analytics.