Group Product Lead - Receivables Financing

Key Responsibilities

Strategy & Product Leadership

• Develop and implement the global strategy for Receivables Purchase aligned with Trade & Working Capital objectives.
• Own the product end-to-end-from vision and design to commercialization and governance.
• Prioritize and deliver the global product roadmap to meet client needs and stand out competitively.
• Manage product backlog and ensure readiness for global rollout of digital Receivables solutions.
• Stay ahead of market, client, and regulatory developments to refine product offerings.

Commercialization & Growth

• Drive product performance, including revenue, usage, and return targets.
• Create go-to-market strategies and collaborate with Sales, Coverage, and Structuring to build a strong pipeline.
• Develop product positioning, client value propositions, and commercialization materials for key markets.
• Ensure smooth execution from pre-sales to post-launch with clear accountability.

Digital Transformation & Innovation

• Promote digital adoption and innovation to scale Receivables solutions globally.
• Partner with internal digital and data teams, as well as external platforms, to deliver transformative capabilities.
• Lead the digitization of platforms, processes, and delivery models, contributing thought leadership.

Client-Centric Development

• Maintain active client feedback loops to guide product enhancements and priorities.
• Convert market intelligence into actionable improvements.
• Ensure regional client needs are reflected in product development.

Risk & Governance

• Maintain strong risk controls across operational, credit, financial crime, and regulatory dimensions.
• Collaborate with second-line teams to manage risk appetite and ensure product suitability.
• Ensure governance compliance and readiness for global product launches.
• Identify and assess risks across the product portfolio.

Performance Management

• Own end-to-end business performance, including lifecycle health, efficiency, and commercial KPIs.
• Conduct annual product reviews to ensure competitiveness and scalability.
• Work cross-functionally to align product delivery with growth and client outcomes.

Leadership & Stakeholder Engagement

• Lead cross-functional teams and foster a high-performance culture.
• Influence stakeholders across Product, Sales, Risk, Technology, and external partners.
• Mentor talent and build Receivables expertise across global and regional teams.
• Deliver training and workshops to enhance internal understanding of Receivables solutions.
• Manage strategic relationships with vendors and third-party platforms to co-create solutions.

Regulatory & Conduct Standards

• Uphold the highest standards of ethics and conduct, aligned with the bank's values and code of conduct.
• Ensure compliance with all relevant laws, regulations, and internal policies.
• Proactively manage risk and conduct issues.
• Lead the Receivables business to deliver fair client outcomes and uphold market integrity.

Ideal Candidate Profile

• Over 10 years of global or regional product management experience in trade finance, with expertise in Open Account and Receivables Finance.
• Experience in digital product development and Agile methodologies.
• Strong project management and cross-functional collaboration skills.
• Proven track record in commercializing new products internally and externally.
• Analytical mindset with proficiency in data tools to identify opportunities and efficiencies.
• Excellent communication and stakeholder management skills.
• Market awareness and ability to adapt to evolving client and competitor landscapes.
• Experience in co-developing solutions with vendors.
• Deep understanding of financial regulations affecting international trade.