Digital Product Engineer, Merchant Enablement

Network For Electronic Transfers (S); Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Network for Electronic Transfers (Singapore) Pte Ltd. seeks a Digital Product Engineer, Merchant Enablement to lead the design, delivery and continuous improvement of digital products and capabilities that support merchant onboarding, servicing and growth.

The role bridges business, technology and operations to deliver scalable solutions, translate requirements into user stories, optimise customer journeys and drive data‑driven improvements in a payments environment.

Qualifications

• Minimum 5-8 years of experience in Product Management, Digital Transformation, or related functions.
• Experience within payments, fintech, banking, or digital commerce environments is advantageous.
• Proven track record delivering digital products and transformation initiatives.
• Bachelor’s degree or higher qualification.

Responsibilities

• Own the end-to-end product lifecycle from business case development, implementation, launch, and post-launch.
• Develop and maintain product roadmaps aligned to business objectives and priorities.
• Translate business requirements into user stories and functional specifications.
• Work with Technology, Operations and Finance to deliver enhancements via agile methods.
• Define and track product success metrics and business outcomes.
• Review and redesign business processes to improve operational efficiency and customer experience.
• Identify opportunities for automation and workflow optimisation.
• Partner with business and operations teams to eliminate manual processes and optimise workflows.
• Drive process transformation across merchant onboarding, servicing, reconciliation, settlement.
• Collaborate with Technology to assess feasibility and support solution design, testing and deployment.
• Coordinate cross-functional stakeholders for smooth implementation and transition of new capabilities.
• Ensure solutions meet security, compliance and operational requirements.
• Champion customer-centric thinking across digital products and merchant journeys.
• Analyse user feedback, operational insights and performance data to identify improvements.
• Enhance usability and adoption of digital solutions through data-driven decisions.

Skills

Product management

Digital transformation

Business analysis

Process improvement

Stakeholder management

Payments domain

UI/UX principles

Customer journey mapping

Education

Bachelor's degree

Job description

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Digital Product Engineer, Merchant Enablement

Company: Network For Electronic Transfers (S)

The NETS Group is a leading payments services group, enabling digital payments for merchants, consumers and banks across the entire payments value chain.

The Group operates Singapore’s national debit scheme enabling customers of DBS Bank/POSB, HSBC, Maybank, OCBC Bank, Standard Chartered Bank and UOB to make payments using their ATM cards or mobile devices at more than 130,000 acceptance points in the country as well as online payments.

The Digital Product Engineer, Merchant Enablement, is responsible for driving the design, delivery, and continuous improvement of digital products and business capabilities that support merchant onboarding, servicing, and growth.

This role acts as the bridge between business, technology, and operations teams to deliver scalable digital solutions, improve customer journeys, and streamline business processes. The individual will lead product initiatives from concept to implementation while ensuring successful adoption and business outcomes, translating requirements into digital solutions, optimizing customer journeys, and leveraging analytics to improve business outcomes.

The ideal candidate possesses a strong blend of product management, technology, UX thinking, customer journey, process transformation, and commercial acumen, with a passion for delivering seamless customer experiences.

Key Responsibilities

Digital Product Management

• Own the end-to-end product lifecycle from business case development, implementation, launch, and post-launch.
• Develop and maintain product roadmaps aligned to business objectives and strategic priorities.
• Translate business requirements into user stories and functional specifications.
• Work closely with Technology, Operations and Finance teams to deliver product enhancements and new capabilities through agile methodologies.
• Define and track product success metrics and business outcomes.

Business Enablement & Process Re-engineering

• Review and design business processes to improve operational efficiency and customer experience.
• Identify opportunities for automation, digitisation, and workflow optimisation.
• Partner with business and operations teams to eliminate manual processes and optimise workflows.
• Drive process transformation initiatives across merchant onboarding, servicing, reconciliation, settlement, and related business functions.

Product Technology & Digital Solutions

• Work closely with Technology teams to assess solution feasibility and support solution design.
• Facilitate business and technical discussions to ensure requirements are clearly understood and implemented.
• Support implementation, testing, deployment, and operational readiness of new solutions.
• Coordinate cross-functional stakeholders to ensure smooth implementation and transition of new capabilities.
• Ensure solutions meet security, compliance, and operational requirements.
• Champion customer-centric thinking across digital products and merchant journeys.
• Analyse user feedback, operational insights, and performance data to identify improvement opportunities.
• Partner with relevant teams to enhance usability, simplify customer journeys, and improve adoption of digital solutions.
• Continuously improve merchant experience and business outcomes through data-driven decision making.

Requirements

• Minimum 5-8 years of experience in Product Management, Digital Transformation, Business Analysis, Process Improvement, or related functions.
• Experience within payments, acquiring, fintech, banking, or digital commerce environments will be advantageous.
• Proven track record in delivering digital products and transformation initiatives.
• Holds a bachelor’s degree or higher qualification.
• Proven experience working across technology, sales, and operations teams, with a strong interest and background in payments and product management.
• Skilled in engaging and managing diverse internal and external stakeholders.
• Experience in business process redesign and workflow optimisation.
• Familiarity with UI/UX principles and customer journey mapping.

Network for Electronic Transfers (Singapore) Pte Ltd.