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.
