Director, Trade Solutions

Job ID: 36874

Location: Singapore, SG

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 12 Aug 2025

**JOB SUMMARY**
- To support, implement and commercialize the development, enhancement, and launch of trade products including Receivables Purchase while ensuring compliance with regulatory standards and internal policies. This role bridges product innovation, risk management, and operational efficiency.- Design, launch and optimize trade finance products tailored for SME client needs.
- Conduct market research and competitive analysis to identify gaps and opportunities.
- Collaborate with sales, operations, and technology teams to implement product roadmaps.
- Monitor product performance (KPIs, profitability, adoption) and recommend improvements plan.
- Ensure adherence and compliance to regulatory requirements & internal policies.
- Develop and maintain policies, procedures and controls for trade operations.
- Lead audit and risk assessments, addressing gaps in governance framework.
- Liaise with legal, compliance, operations risk, credit teams to mitigate operational or legal risk.
- Provide internal trade training to raise trade awareness on product features, new digitalization process, new system implementation, etc.
- Run and manage Trade campaigns to increase trade utilization or trade assets.
- Work closely with internal stakeholder to streamline trade workflows to reduce turnaround time.
- Drive adoption of digital solutions.
- Provide Trade Advisory to the RM teams on the bank’s latest trade capabilities including receivables purchase, market developments, competitor’s analysis and identification of new sales opportunities.
- Ensure product adherence to Compliance, Operational, Business and Fraud risk procedures and other internal & external regulations.

**RESPONSIBILITIES**
**Strategy**
- Develop the strategy for, and manage the overall Trade offering for SME Banking clients
- Ensure that Trade offering is aligned to the refreshed Group SME Banking strategy
- Benchmark our Trade proposition against client needs and competition offerings, especially in key markets, to identify gaps and opportunities
- Provide data driven analytics & insights to drive strategic discussions at the SME Management Team
- Drive end-to-end digitization of trade offerings in SME Banking
- Drive overall engagement with CIB, across Product teams, Supply Chain Financing, Operations, Channels and Service Delivery

**Business**
- Assess the Trade products including Receivables Purchase that are required to meet the working capital requirements of SME clients and ensure that these are agreed with Transaction Banking and enabled for relevant markets
- Develop and strengthen the supply chain proposition, primarily through pre-shipment & distributor financing for key CIB anchors
- Support the Partnerships team in SME Banking, where required, in enabling trade products for Small Business clients sourced through platform/Fintech partnerships
- Work closely with the country product and segment heads to deliver optimal funding solutions for clients
- To provide sufficient support to promote cross border trade across all other SME markets

**Processes**
- Ensure that the relevant Trade products are enabled for SME Banking (through respective PPGs) after assessing client needs and appropriateness, and taking into account the risks and mitigants for each product and variant
- Develop a regular operating rhythm with CIB counterparts and key SME Banking markets for effective strategy implementation
- Ensure sales and governance processes across TWC markets are in line with strategic intent as well as approved policies and procedures

**People & Talent**
- Drive the development and execution of the overall SME Banking Learning agenda for Trade products
- Upgrade Trade product expertise capabilities within SME markets
- Share best practices, Trade Mandate win announcement, lessons learnt across SME markets

**Risk Management**
- Understand the risk associated with various products and variants and ensure suitability for SME clients and staff
- Ensure that the infrastructure, processes, policies and control framework in SME is designed to appropriately and adequately manage the inherent risks in the product, keeping in mind that risk has multiple facets and goes beyond credit risk (e.g. operational risk, fraud risk, counterparty risk etc.)
- Work closely with Risk and other 2LOD partners to increase awareness and drive the right risk culture and mindset in the SME organization

**Governance**
- Ensure that the overall risk and control framework in SME for Trade products is fit-for-purpose and working well
- Understand the regulatory and legal framework governing trade products
- Design programs, products and solutions in compliance with both internal and external policies and frameworks
- Work closely with Transaction Banking colleagues on product development specifically to suit SME re