Institutional Lending Business Product Manager

Matrixport; Hong Kong; On-site; HKD 600,000 - 1,000,000; Full time

Job summary

BIT is seeking a product manager to lead institutional lending initiatives, focusing on collateralized lending and end-to-end business processes.

You will own the full flow from client needs to disbursement, work with Risk, Treasury, Finance, Legal, and Sales, and translate offline processes into systemized workflows.

Candidates should have 3+ years in product management, real lending experience, and bilingual Chinese/English communication.

Qualifications

• 3+ years of product management or related business product experience.
• Lending experience is a hard requirement, must have real experience with lending products and processes.
• Familiar with principal, interest, collateral, LTV, margin call, liquidation, repayment logic.
• B2B or institutional product experience, able to independently design business flows and product solutions.
• Strong business communication skills, able to liaise with Sales, institutional clients, and external partners.

Responsibilities

• Responsible for product design, process building, and business implementation for institutional lending, particularly institutional collateralized lending
• Own the full business flow from client needs, quoting, approval, contract signing, disbursement, ongoing management, repayment, to deal closure, standardizing offline processes into systemized workflows
• Participate in risk control rule design, collateral eligibility, LTV, alerts, margin calls, liquidation, working with Risk and Treasury teams to build executable SOPs
• Handle fund flow, interest, fees, and settlement logic related to lending, working with Finance and Treasury systems teams to ensure clear, traceable financial data
• Support Sales in engaging institutional clients, design deal structures, independently draft Term Sheets, participate in negotiating commercial terms of lending agreements, and coordinate with Legal, Risk, Compliance for internal review

Skills

Product management

Institutional lending

Communication

Cross-department coordination

Bilingual Chinese/English

Job description

About BIT:

BIT (formerly Matrixport) is a global digital asset financial services and infrastructure group. Headquartered in Singapore and founded in 2019, BIT bridges traditional finance and digital assets through governance-driven financial services and technology.

The firm manages over US$7 billion in assets and facilitates more than US$7 billion in monthly trading volume. BIT offers services including custody, trading, asset and wealth management, liquidity and financing solutions, and tokenised real-world assets (RWA), serving institutional and professional investors globally.

BIT Group entities maintain a licensed and regulated footprint across Singapore, Hong Kong, Switzerland, the United Kingdom, the United States and Bhutan.

For more information, visit www.bit.com

Why Join Us:

At BIT, we tackle complex problems as a team. We encourage openness and promote transparency, respect, and inclusivity. Every team member is valued and has a voice that can be heard. We are always in search of intellectually curious and entrepreneurial individuals who are keen on making an impact in the crypto ecosystem and in building a better product for the next one billion users.

Job Responsibilities:

• Responsible for product design, process building, and business implementation for institutional lending, particularly institutional collateralized lending
• Own the full business flow from client needs, quoting, approval, contract signing, disbursement, ongoing management, repayment, to deal closure, standardizing offline processes into systemized workflows
• Participate in risk control rule design, collateral eligibility, LTV, alerts, margin calls, liquidation, working with Risk and Treasury teams to build executable SOPs
• Handle fund flow, interest, fees, and settlement logic related to lending, working with Finance and Treasury systems teams to ensure clear, traceable financial data
• Support Sales in engaging institutional clients, design deal structures, independently draft Term Sheets, participate in negotiating commercial terms of lending agreements, and coordinate with Legal, Risk, Compliance for internal review

Job Requirements:

• 3+ years of product management or related business product experience
• Lending business experience is a hard requirement, must have real experience with lending products and processes
• Familiar with principal, interest, collateral, LTV, margin call, liquidation, repayment logic
• B2B or institutional product experience, able to independently design business flows and product solutions
• Strong business communication skills, able to directly liaise with Sales, institutional clients, and external partners
• Able to read Term Sheets, lending agreements, and key commercial terms, and work effectively with Legal
• Real understanding of digital assets and their underlying mechanics
• Strong cross-department coordination and bilingual (Chinese/English) written communication

Preferred:

Digital asset lending platforms or institutional financial services experience, exchange institutional business, Prime Brokerage, OTC experience; experience with institutional collateralized lending, margin financing, stock pledge lending, or corporate/interbank lending; real margin call/liquidation handling experience

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