Director, Trade Lending Product Manager

Job ID: 33308

Location: Singapore, SG

Area of interest: Corporate Strategy

Job type: Regular Employee

Work style: Office Working

Opening date: 3 Jul 2025

**Job Summary**
- This role is part of the Trade Lending team, with a focus on Borrowing Base Trade Loans (BBTL). BBTL is a collaterialzed offering within the Trade Lending vertical and is an area for growth. The Product Manager is responsible for the development of product strategy, its execution and commercialization, robust product governance as well as business management of the BBTL portfolio.
This role would also be responsible for other products under the working capital pillar and focus would be on product commercialization, governance and service delivery.**Strategy**
- Develop and execute on the product strategy for BBTL.
- Lead and drive BBTL agenda by articulating the product vision - to all stakeholders including CC, TB and broader CCIB team both in group and in the countries.
- Understand market trends, client’s needs and address challenges to size future opportunities for BBTL.
- Develop and execute on strategies with stakeholders such as Distribution, Sales to improve BBTL product returns.
- Deliver in partnership with the product development teams the product backlog for any system / infrastructure development to support the overall strategic roadmap and value proposition with the right capability build across the bank’s global network.
- Benchmark the Working capital 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 for working capital solutions.

**Business**
Financial Performance: Product P/L Management
- Product P/L ownership for BBTL
- Deliver budget, through active management of:

- Revenue (existing and new revenue streams)
- Contributing to Returns (i.e. product profitability)
- Active business management through factors such as : 1)No. of clients using the products 2) Utilisation %
- Cost (operating cost for product)
- Review and manage cost and efficiency of both allocated and direct cost**Commercialization of Working Capital suite of capabilities**
- Develop a commercialization plan for BBTL which integrates product positioning with client value propositions.
- Create a training roadmap for TB Sales, RMs, and TB product teams.
- Conduct regular reviews of the BBTL offerings to ensure a “fit for purpose” operating plan and product agenda.
- Responsible for commercialization of BBTL capabilities including developing revamped product launch, commercialization plans, targets and ensuring infrastructure requirements are resourced.
- Work closely with Regional Product Heads to develop the Product Landscape for Working Capital Solutions: based on data and business intelligence from various sources including sales, clients and competitive market analysis

**Key Responsibilities**

**Client Engagement**
- Support for RFP and client solutions; strategic clients and those high-potential names for increasing market share penetration for BBTL.
- Maintain some level of client contact, including client forums, workgroups, industry events and client meetings to ensure continuous improvement and positioning of Standard Chartered solutions.
- Monitor competitive positioning and provide comparison / positioning analysis for use by Sales / Coverage and also drive new initiatives for Working capital.
- Support sales campaign activities, with objective of wallet expansions across CCIB segments

**Processes**
- Lead process design work with Operations, Technology and other function partners with the aim of translating process optimization to bottom line cost control with a high degree of reliability.

**People & Talent**
**Training**
- Conduct training and workshop for internal stakeholders (i.e., TB/Sales/RMs etc) to increase BBTL product knowledge and awareness.
- Regular webinars and engagement with Sales, Country Product Managers to further strengthen product knowledge to drive commercialization.

**Risk Management**
- Build deep and comprehensive knowledge of regulations and initiatives that may impact BBTL and Working capital solutions to stay ahead of the regulatory change agenda and how it affects the product lifecycle.
- Understand the risk associated with various products and variants and ensure suitability for clients
- Work closely with Risk and other 2LOD partners to ensure that the infrastructure, processes, policies and control framework for the solution is designed to appropriately and adequately manage the inherent risks in the product drive the right risk culture
- Take the initiative regarding regulatory, reputational and ethical matters by providing proactive advice to sales and implementation teams.
- Ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations.

**Governance**
- Ensure robust governance framework for BBTL