Role Overview
Our client, a top-tier international banking group with a prominent presence across Asia-Pacific, is seeking an experienced and strategic Product Lead – Cash & Trade to join its Wholesale Banking Division in Hong Kong. This role is responsible for driving the product life cycle, innovation, regulatory compliance, and revenue performance of the bank's Cash Management and Trade Finance suites. The successful candidate will play a pivotal role in strengthening client value propositions and expanding the bank's transaction banking footprint.
What You Can Enjoy
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Strategic Business Ownership: End-to-end P&L accountability and strategy ownership for core Cash Management and Trade Finance product suites across wholesale banking clients.
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Builder & Innovation Mandate: Key opportunity to drive next-generation transaction banking solutions, capitalize on fintech/digital trade trends, and translate evolving regulatory changes into commercial product offerings.
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High Cross-Functional Visibility: Direct exposure to senior leadership, working closely with Regional Head Office, Coverage Bankers, Payment/Trade Operations, IT, Risk, and Compliance to shape product roadmaps.
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Established Regional Platform: Join a leading Southeast Asian banking group expanding its regional Transaction Banking franchise in Hong Kong and the greater APAC region.
Key Responsibilities
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Product Strategy & Value Proposition: Lead the commercial strategy, execution, and continuous optimization of Cash Management and Trade Finance products tailored for wholesale banking clients (MNCs, Large Corporates, and Commercial Banking segments).
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P&L & Performance Analytics: Analyze product performance metrics, pricing structures, and balance sheet profitability to drive sustainable top-line revenue growth and margin expansion.
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Innovation & Market Intelligence: Monitor market trends, digital transaction banking developments, and competitor landscapes to identify business threats and build market-leading solutions.
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Client Engagement & Product Customization: Partner with Corporate Banking Relationship Managers to engage key clients, gather feedback, and translate complex client needs into scalable product enhancements.
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Cross-Functional Collaboration: Serve as the central point of contact across Payment Operations, Trade Operations, IT Development, Legal, Compliance, and Risk to drive seamless implementation and operational excellence.
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Regulatory Governance & Opportunity Conversion: Maintain an in-depth understanding of the evolving regulatory landscape, ensuring product frameworks strictly comply with local and international standards while converting regulatory shifts into commercial product opportunities.
Requirements
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Experience: 10+ years of proven product management or business development experience in Cash Management and/or Trade Finance within Wholesale Banking or Transaction Banking.
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Domain Expertise: Deep knowledge of corporate payment rails, liquidity management, working capital solutions, trade operations, supply chain finance, and digital trade solutions.
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Analytical Acumen: Strong business acumen with demonstrated ability to interpret data, evaluate unit economics, and formulate logical, commercial business cases.
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Stakeholder Management: Exceptional interpersonal and negotiation skills, with a track record of driving cross-functional alignment across legal, compliance, risk, operations, and tech delivery teams.
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Regulatory Savvy: Strong understanding of Hong Kong Monetary Authority (HKMA) and regional regulatory frameworks governing payment and trade transactions.
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Mindset: Highly proactive, strategic thinker with a strong entrepreneurial drive to innovate and establish robust operational frameworks.
