Product Manager (Corporate Bank I Overdraft I Up to 7k) - #1124416

The Opportunity

• Opportunity to work for one of the leading financial service providers and top banks
• Great exposure to learn about banking products and services domain
• Starts off as 19 months contract, with potential for renewal
• Central Location

MNC|Bank

The Job

The Overdraft Product Manager will lead the strategy, development, and growth of the bank's overdraft lending for corporate clients. This includes P&L ownership, product innovation, and compliance, ensuring the portfolio is profitable, scalable, and meets client working capital needs. The role focuses on shaping the product, improving profitability and client experience, and driving competitiveness in a digital lending landscape.

Key Responsibilities

1. Product Strategy & Proposition
   
   1. Define and execute overdraft strategy for corporate segments (SME, Mid Cap, Large Corporates).
   2. Identify growth opportunities and product enhancements.
   3. Align with working capital and transaction banking solutions.
2. P&L Ownership & Performance
   
   
   1. Manage product P&L, pricing, utilization, and margins.
   2. Track KPIs: portfolio size, yield, usage, cost of funds, loss rates.
   3. Drive initiatives to improve returns and efficiency.
3. Product Development & Lifecycle
   
   
   1. Lead new features (digital onboarding, credit line management).
   2. Work with tech, credit, legal, compliance, and ops for delivery.
   3. Ensure operational readiness and smooth client experience.
4. Risk & Governance
   
   
   1. Partner with Credit Risk on limits and monitoring.
   2. Ensure compliance with policies and regulations.
   3. Embed controls for credit, operational, and conduct risks.
5. Stakeholder Management
   
   
   1. Collaborate with RMs, Credit, Treasury, Ops, Legal.
   2. Act as SME for overdraft in client pitches and training.

Focus Areas

1. OD application & Approval
2. OD Setup (flat, tiered)
3. OD Expiry Monitoring
4. OD Revaluation
5. Signal Debit Referral & Freeze
6. OD Cancellation
7. Omnibus vs Non-Omnibus Limits

The Talent

• Minimally 6-10 years in corporate banking, lending, or working capital products.
• Knowledge of overdraft/revolving credit, credit frameworks, and regulations.
• Experience in digital lending journeys preferred.
• Strong stakeholder management and influencing skills.
• Degree in Business/Finance/Economics; MBA a plus.

Next Steps

• Drop your resume and contact us to follow-up, or send your resume to [email protected]
• Email Topic: Overdraft PM
• Only shortlisted candidates will be contacted

Wu Yue Shan
EA License No: 91C2918
Personnel Registration Number: R25138923