Senior SME Lending Commercialization Lead

ANEXT Bank; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

ANEXT Bank seeks a Product Commercialisation Specialist to own SME credit product commercialization from sizing and pricing to launch and optimization. This hands-on role collaborates with Business, Product, Technology, Marketing, Risk, Legal & Compliance, Finance, Operations, and Data teams to drive market-ready solutions.

The candidate will translate research into actionable segmentation, price strategies, and go-to-market plans while ensuring compliance with MAS and governance.

Qualifications

• 5+ years of relevant experience across lending product management, commercialization, or product development in a bank, digital lender, finntech, or finnancial institution.
• Hands-on knowledge of SME lending products such as working-capital loans, term loans, credit lines, or trade finnance, including credit assessment, loan structuring, and risk-based pricing.
• Proven experience taking a regulated finnancial product from concept or enhancement through approval, launch, adoption, and performance optimization.
• Strong pricing and finnancial capability, including risk-based pricing, unit economics, profintability, business cases, forecasting, sensitivity analysis, and commercial KPI management.
• Working knowledge of digital product delivery, customer-journey design, agile practices, product requirements, testing, and technology dependencies.
• Sound understanding of Singapore banking regulation and the ability to work constructively with Risk, Legal and Compliance, and governance forums.
• Clear executive communication and strong stakeholder influuence; able to turn complex product, credit, and commercial issues into concise decisions and action plans.
• Excellent spoken and written English and Mandarin Chinese for engagement with Mandarin-speaking stakeholders and partners.

Responsibilities

• Own the end-to-end commercialization plan for SME lending products — opportunity sizing, proposition, pricing, business case, launch, scaling, enhancement, and retirement.
• Translate market research, customer needs, portfolio data, and competitor intelligence into segment priorities, value propositions, and investment recommendations.
• Define target segments, channel strategy, sales proposition, commercial terms, and go-to-market plans with Business and Marketing.
• Own pricing strategy and governance — frameworks, rate cards, fee structures, return thresholds, approval authorities, and exception principles.
• Develop risk-based pricing recommendations using funding cost, expected loss, operating cost, capital consumption, customer value, and competitive benchmarks.
• Build business cases, unit economics, revenue forecasts, and profitability/sensitivity models with Finance and Risk.
• Monitor price realization, margin, yield, and risk-adjusted returns; recommend repricing or portfolio actions when performance deviates.
• Lead cross-functional launch readiness — product requirements, credit policy, customer journeys, operations, controls, documentation, training, and reporting.
• Convert commercial and credit needs into clear requirements and prioritized roadmaps with Product, Design, and Technology.
• Resolve delivery trade-offs while keeping stakeholders aligned on scope, timing, and commercial outcomes.
• Define and monitor KPIs: acquisition, funnel conversion, approval rate, utilization, price realization, yield, revenue, margin, risk-adjusted return, CX, and portfolio quality.
• Use cohort, segment, channel, and funnel analysis to identify growth opportunities, friction points, pricing gaps, and emerging risks.
• Design experiments and post-launch reviews; recommend improvements based on measurable outcomes.
• Embed MAS requirements, responsible lending principles, credit policy, risk appetite, and conduct standards throughout product design and commercialization.
• Own the product-program repository — approval papers, decision trails, version control, and renewal submissions — audit-ready at all times.
• Coordinate inputs/approvals across Credit Risk, Operational Risk, Fraud, Legal & Compliance, Finance, Operations, and Technology; support audits.

Skills

Product management

Commercialization

Pricing

Financial analysis

Stakeholder management

Regulatory knowledge

Executive communication

English & Mandarin

Tools

SQL

BI tools

Job description

ANEXT Bank seeks a Product Commercialisation Specialist to own SME credit product commercialization from sizing and pricing to launch and optimization. This hands-on role collaborates with Business, Product, Technology, Marketing, Risk, Legal & Compliance, Finance, Operations, and Data teams to drive market-ready solutions.

The candidate will translate research into actionable segmentation, price strategies, and go-to-market plans while ensuring compliance with MAS and governance.