Product Manager, Trade Finance/ Receivables Finance

About Unloq:

Unloq is part of Linklogis Group, an award-winning leader in supply chain finance. With deep expertise in serving major buyers in North America, Europe and Asia, Unloq makes trade financing simple across global corridors. We've built unique knowledge and expertise that allows us to move faster, improve processes, and deliver smarter financial solutions. Our platform helps buyers unlock working capital while enabling suppliers to get paid earlier, creating a flywheel that accelerates growth for everyone.

With our purpose-built solutions and industry-leading technology infrastructure, we are able to deliver tangible benefits to various stakeholders in the supply chain finance ecosystem with profound influence in reshaping the supply chain finance sector. We focus on providing world-class solutions for enterprises and financial institutions to meet their evolving business and technology needs, helping them deliver superior user experience for their SMEs.

The Role:

We are looking for a commercially minded Product Manager to help drive the next phase of product growth across our trade finance and supply chain finance business.

The Product Manager will own product thinking from market needs and client problems through to product design, approval, commercialisation, sales enablement, launch, adoption and performance tracking. The role requires strong product judgement, practical trade finance experience, and the ability to work closely with Sales, Risk, Operations, Fraud, Legal, Finance and Technology teams to convert business opportunities into scalable, controlled and commercially viable products.

The successful candidate should bring strong experience in Accounts Receivable and Accounts Payable financing structures, with depth in receivables finance, factoring, buyer-led programmes and open-account trade finance.

Key Responsibilities:

Product Innovation and New Product Design

• Identify product opportunities across receivables finance, factoring, supplier finance, buyer-led financing, distributor finance and related open-account trade finance structures.
• Work closely with Sales, Solutions and country teams to understand client problems, market gaps, competitive positioning and new product opportunities.
• Translate business ideas into clear product constructs, including target clients, transaction flows, eligibility criteria, recourse model, pricing approach, operating model, controls and implementation requirements.
• Drive the design of new product variants, programme structures and market-specific adaptations.
• Support product roadmap planning and prioritisation based on commercial value, client demand, operational readiness and risk appetite.

Product Governance, Risk and Policy Design

• Partner with Risk, Operations, Fraud, Legal, Compliance and Finance to design product policies, control frameworks and approval conditions.
• Prepare product papers, risk committee papers, approval notes and product governance documentation for new products or major product changes.
• Ensure product design covers key areas such as buyer obligation, supplier eligibility, invoice validation, assignment/ title transfer, collections, dilution risk, fraud risk, dispute handling, recourse, repurchase events and operational controls.
• Work with functional partners to convert approval conditions into clear operating procedures and implementation checklists.
• Maintain a strong control mindset while enabling commercial growth and product scalability.

Product Commercialisation and Sales Enablement

• Own product commercialisation from internal approval to market launch.
• Run product workshops and enablement sessions for Sales, Solutions, country teams and other frontline stakeholders.
• Prepare product positioning, sales talking points, client pitch inputs, FAQs and deal-structuring guidance.
• Support Sales and country teams on client discussions, deal qualification, pricing, product fit and programme structuring.
• Act as the product expert for assigned product areas and help frontline teams convert opportunities into executable transactions.

Product Performance, Revenue and Business Outcomes

• Track product performance across GTV, revenue, utilisation, pipeline, client adoption, pricing trends and portfolio growth.
• Work with Finance and business teams to understand product revenue, margin trends, commercial performance and growth drivers.
• Identify revenue gaps, adoption issues or underutilised product capabilities and propose action plans.

Cross-functional Execution

• Work closely with Product Development and Technology teams to ensure product requirements are clearly defined and build priorities are aligned with business outcomes.
• Coordinate with Operations, Risk, Fraud and Legal teams to ensure products are launch-ready, controlled and operationally scalable.
• Support UAT, launch planning and post-launch issue resolution where product judgement is required.

Requirements:

• A minimum of 5-7 years of relevant experience in trade finance, receivables finance, factoring, supply chain finance, working capital finance, transaction banking or fintech.
• Strong practical understanding of Accounts Receivable financing, including factoring, invoice financing, receivables purchase, buyer-led receivables programmes, recourse/ non-recourse structures and collection models.
• Good understanding of Accounts Payable and supplier finance structures, including buyer-approved payables, supplier onboarding and programme-based financing.
• Familiarity with key receivables finance risks and controls, including invoice validity, buyer confirmation, assignment/ title transfer, dilution, disputes, set-off, fraud risk, collections control and repurchase/ recourse mechanics.
• Experience preparing or contributing to product papers, risk approval notes, policy documents or product governance materials.
• Strong commercial mindset with ability to connect product design to GTV, revenue, pricing, utilisation, adoption and client outcomes.
• Comfortable working directly with Sales, country teams and functional partners on product positioning, client needs, deal structuring and launch readiness.
• Exposure to digital trade platforms, SaaS platforms, embedded finance, stablecoins, tokenised settlement, Web3-enabled trade flows or SC+ initiatives would be an advantage.

What Success Looks Like:

• New product ideas are converted into clear, approved and launch-ready product constructs.
• Sales and country teams are better equipped to originate, explain and convert product opportunities.
• Product papers and approval materials are clear, commercially grounded and risk aware.
• Product performance is actively tracked through GTV, revenue, utilisation, pipeline and adoption.