Cash Management Product & Sales Manager

Role overview:

The Cash Management Product & Sales Manager drives growth of the bank's cash management business by owning a core product suite and selling integrated cash management solutions to corporate clients. Products covered are accounts, deposits, payments and collections, online banking, mobile banking and e-commerce collection.

The role combines product ownership (strategy, roadmap, pricing, policies and compliance) with front-line sales (prospecting, solutioning, pitching and closing deals alongside Corporate Banking). You will work closely with China Head Office, IT, Operations, Legal & Compliance and Risk to bring competitive, compliant solutions to market and grow revenue, balances and transaction volumes.

Key responsibilities:

Sales and business development

• Partner with Corporate Banking relationship managers to identify, prospect and win new cash management mandates from corporate clients, including large local corporates, MNCs, PSPs and e-commerce businesses.

• Build and manage an active pipeline of deals; lead client discovery, needs analysis and solution structuring across accounts, liquidity, payments, collections and digital channels.

• Prepare and deliver product pitches, client presentations and proposals, and lead end-to-end responses to client RFPs, coordinating inputs from internal stakeholders.

• Grow cash management revenue, operating account balances, deposits and transaction volumes; track performance against sales targets and report to management.

• Serve as subject matter expert in client meetings, deepen wallet share with existing clients through cross-selling, and ensure high client satisfaction and retention.

Product management

• Own the product strategy and roadmap for accounts, deposits, payments and collections, online banking, mobile banking and e-commerce collection, with inputs from clients, Corporate Banking, China Head Office and IT.

• Identify opportunities to enhance the client value proposition through new features (e.g. API connectivity, virtual accounts, automated reconciliation, real-time payments, PayNow/QR collection, enhanced reporting).

• Liaise with China Head Office and IT to manage the end-to-end development and roll-out of new or enhanced product capabilities, including business requirements, UAT and launch readiness.

• Develop pricing strategies and deposit rate proposals, taking into account market dynamics, client value, funding needs and competitive positioning.

Requirements:

• A recognised university degree in Banking, Finance, Business or a related field, or equivalent professional qualifications.

• At least 3 years of experience in cash management product management, sales or transaction banking at a financial institution.

• Proven track record in selling cash management solutions to corporate clients, building a pipeline and closing deals.

• Solid understanding of accounts, deposits, payments and collections, and digital channels, including local clearing (MEPS+, FAST, GIRO, PayNow), cross-border payments, online and mobile banking, and e-commerce collection.

• Familiarity with payment methods and trends, including e-commerce platforms, virtual accounts, QR payments, digital wallets and API banking.

• Knowledge of relevant regulatory requirements (e.g. MAS guidelines, AML/CFT, sanctions, PDPA, technology risk management).

• Technical knowledge of APIs, host-to-host, payment integrations, banking file formats and standards such as ISO 20022 will be a plus.

• Strong analytical, commercial and project management skills, including business case and pricing analysis.

• Effectively bilingual in English and Chinese, to communicate with China Head Office and Chinese-speaking clients.

• Excellent interpersonal, communication and presentation skills, with the confidence to engage senior client treasury and finance stakeholders.

• Positive, resourceful and independent, with the ability to multi-task, and a strong sense of ownership and execution.