Product Manager, Merchant Financing Products
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Serving more than
95,000 merchants across Australia, Hong Kong, Japan, and Singapore , KPay helps businesses unlock their growth potential through a one-stop platform for financial management, business operations, and digital transformation.
In 2024, KPay raised a record-breaking
USD 55 million in Series A funding , the largest globally in the payments sector that year. KPay has since been recognised as
“PayTech of the Year” at the Asia FinTech Awards , selected for the
“Forbes Asia 100 to Watch”
list in 2025, ranked among
“Singapore’s Top FinTech Companies 2026”
by Tech in Asia and Statista, and recognised as one of
CNBC and Statista’s “World’s Top Fintech Companies 2026.”
About the Role KFund is KPay's merchant financing business. We are looking for a Product Manager to manage and improve merchant financing products and our loan marketplace, helping businesses access financing that meets their needs.
Your remit covers two areas: merchant financing products and the loan marketplace. You will turn merchant needs and commercial opportunities into clear product requirements, drive cross-functional delivery, and improve the experience from financing discovery and application through funding, repayment and servicing.
This is a hands-on role for someone who can connect commercial judgement, credit-product knowledge, detailed requirements and delivery execution.
What You Will Do Product Strategy and Discovery
Understand merchant segments, cash-flow needs and existing financing alternatives through customer interviews, market research, product data and lender feedback.
Define product propositions, pricing hypotheses and business cases with clear assumptions, customer value, unit economics and measures of success.
Develop product priorities across merchant financing products and the loan marketplace, balancing customer value, commercial impact, risk and delivery effort.
Identify opportunities to improve financing solutions through customer research, market insight and performance analysis.
Merchant Financing Products
Own business requirements across eligibility, underwriting and offer generation, application, verification, contracting, disbursement, repayment, monitoring and servicing.
Produce clear product requirements covering business rules, user journeys, data needs, operational processes, exceptions and acceptance criteria.
Work with Compliance, Legal, Finance, Data and Operations to translate their requirements into a coherent product and operating model, with clear ownership and unresolved decisions.
Improve merchant-facing experiences and internal workflows, working with relevant teams to ensure reliable
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