Senior SME Lending Product Commercialization Lead

Ant International; Singapore; On-site; SGD 180,000 - 260,000; Full time

Job summary

Ant International in Singapore seeks a hands-on commercialization lead for SME lending products to drive end-to-end strategy, pricing, launch, and lifecycle optimization. You will work across Business, Product, Technology, Marketing, Risk, Legal & Compliance, Finance, Operations, and Data teams to translate market insights into actionable roadmaps and governance.

Responsibilities span pricing frameworks, risk-based pricing, business cases, and post-launch performance, with MAS regulatory

Qualifications

• 5-7 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.
• Strong pricing and finnancial capability, including risk-based pricing, unit economics, profitability, business cases, forecasting, sensitivity analysis, and commercial KPI management.

Responsibilities

• Own 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 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

Lending product management

Commercialization

Pricing strategy

Cross-functional collaboration

Data-driven decision making

Financial modelling

Education

Bachelor’s degree in business, finance, economics, technology, or related discipline

Tools

SQL

BI tools

Job description

Ant International in Singapore seeks a hands-on commercialization lead for SME lending products to drive end-to-end strategy, pricing, launch, and lifecycle optimization. You will work across Business, Product, Technology, Marketing, Risk, Legal & Compliance, Finance, Operations, and Data teams to translate market insights into actionable roadmaps and governance.

Responsibilities span pricing frameworks, risk-based pricing, business cases, and post-launch performance, with MAS regulatory