Product Manager, Merchant Financing Products

KPay Group; Singapore; Sur place; SGD 120 000 - 180 000; Plein temps

Résumé du poste

KPay Group in Singapore is seeking an experienced Product Manager to lead merchant financing products and the loan marketplace. You will convert merchant needs into clear requirements, drive cross-functional delivery and improve the financing experience from discovery to funding and servicing.

The role requires at least five years in product management, knowledge of credit economics and the ability to write precise requirements for engineering, design and compliance, while collaborating across

Qualifications

• Min 5 years of product management experience in SME lending or merchant financing.
• Experience taking products from discovery through requirements, delivery, launch and iteration in a cross-functional environment.
• Knowledge of credit assessment, lending economics and financing lifecycle.
• Ability to write precise, usable requirements and explain complex rules to teams.
• Strong analytical skills: funnels, cohorts, pricing, unit economics.

Responsabilités

• Own product strategy and discovery for merchant financing products and loan marketplace.
• Define business requirements with clear assumptions, customer value and unit economics.
• Translate requirements across compliance, legal, finance, data and operations into a coherent model.
• Improve merchant-facing experiences and internal workflows for reliable payments and servicing.
• Collaborate with design and engineering to plan MVPs and phased delivery.
• Monitor adoption, conversion and portfolio performance and drive improvements.

Connaissances

Product management

Cross-functional leadership

Analytical skills

Requirements writing

Stakeholder management

Technical fluency

Outils

SQL

Description du poste

KPay Group (“KPay”) is one of the fastest-growing fintech companies in APAC, committed to empowering businesses of all sizes through simple, seamless, smart, and secure technology solutions.

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 payment, repayment, reconciliation and servicing processes.

Loan Marketplace

• Own the product experience for discovering and comparing financing options, applying, receiving status updates and accessing ongoing support.
• Define business requirements for onboarding partner lenders and integrating their eligibility, offers, application journeys and servicing touchpoints.
• Work with partnership and commercial teams to evaluate lender propositions, merchant fit, commercial economics and operating responsibilities.
• Improve Marketplace conversion, offer relevance and customer experience using funnel analysis, merchant feedback and partner performance.

Delivery and Continuous Improvement

• Collaborate with product, design and engineering teams to turn business requirements into practical solutions, assess delivery options and agree MVP and phased-delivery scope.
• Drive business clarification, dependency resolution and requirement change control throughout delivery; keep stakeholders informed of trade-offs and decisions.
• Define business acceptance criteria, coordinate user acceptance testing and support launch readiness with operations, customer support, marketing and local-market teams.
• Monitor product adoption, conversion, funding, repayment and portfolio performance with Data and functional owners; turn findings into prioritised improvements.

What We Are Looking For

• At least 5 years of product management experience, with meaningful experience in SME lending, merchant financing, embedded finance or closely related financial products.
• A track record of taking products from discovery through requirements, delivery, launch and iteration in a cross-functional environment.
• Working knowledge of credit assessment, lending economics and the financing lifecycle, including repayment, delinquency, servicing and operational controls.
• Ability to write precise, usable requirements and explain complex rules and flows clearly to business, product and engineering teams.
• Strong analytical skills: comfortable with funnels, cohorts, pricing, unit economics and financial models, and able to distinguish supported conclusions from assumptions.
• Sufficient technical fluency to discuss APIs, data flows, system states, integrations and reconciliation with engineering teams.
• Sound judgement in balancing customer experience, commercial goals, risk, compliance and delivery constraints.
• Strong ownership and stakeholder-management skills, including the ability to move work forward when inputs are incomplete.
• Professional proficiency in English and Chinese, with the ability to collaborate across regional markets (SG & HK) and produce clear written requirements.

Useful Additional Experience

• Payment platforms, merchant acquiring, POS, business banking or SaaS ecosystems.
• Digital lending, loan marketplaces and third-party lender integrations.
• Hong Kong or Australian SME financing markets.
• SQL, product analytics or financial modelling.

What Success Looks Like

• Merchants can understand, access and manage financing through a clear and reliable experience.
• Product requirements enable design and engineering teams to assess scope, plan delivery and resolve implementation questions.
• Financing products and marketplace offerings have clear customer propositions, operating responsibilities and measurable commercial outcomes.
• Releases meet agreed business acceptance criteria, and post-launch learning translates into improvements in conversion, customer value, portfolio performance and operational efficiency.