About Unloq:
Unloq is part of LinklogisGroup, an award-winning leader in supply chain finance. With deep expertise inserving major buyers in North America, Europe and Asia, Unloq makes tradefinancing simple across global corridors. We’ve built unique knowledge andexpertise that allows us to move faster, improve processes, and deliver smarterfinancial solutions. Our platform helps buyers unlock working capital whileenabling suppliers to get paid earlier, creating a flywheel that acceleratesgrowth for everyone.
With our purpose-builtsolutions and industry-leading technology infrastructure, we are able todeliver tangible benefits to various stakeholders in the supply chain financeecosystem with profound influence in reshaping the supply chain finance sector.We focus on providing world-class solutions for enterprises and financialinstitutions to meet their evolving business and technology needs, helping themdeliver superior user experience for their SMEs.
The Role:
Weare looking for a commercially minded Product Manager to help drive the nextphase of product growth across our trade finance and supply chain financebusiness.
TheProduct Manager will own product thinking from market needs and client problemsthrough to product design, approval, commercialisation, sales enablement,launch, adoption and performance tracking. The role requires strong productjudgement, practical trade finance experience, and the ability to work closelywith Sales, Risk, Operations, Fraud, Legal, Finance and Technology teams toconvert business opportunities into scalable, controlled and commerciallyviable products.
Thesuccessful candidate should bring strong experience in Accounts Receivable andAccounts Payable financing structures, with depth in receivables finance,factoring, buyer-led programmes and open-account trade finance.
Key Responsibilities:
Product Innovation and New Product Design
- Identify product opportunities across receivables finance,factoring, supplier finance, buyer-led financing, distributor finance andrelated open-account trade finance structures.
- Work closely with Sales, Solutions and country teams tounderstand client problems, market gaps, competitive positioning and newproduct opportunities.
- Translate business ideas into clear product constructs,including target clients, transaction flows, eligibility criteria, recoursemodel, pricing approach, operating model, controls and implementationrequirements.
- Drive the design of new product variants, programmestructures and market-specific adaptations.
- Support product roadmap planning and prioritisation based oncommercial value, client demand, operational readiness and risk appetite.
Product Governance, Risk and Policy Design
- Partner with Risk, Operations, Fraud, Legal, Compliance andFinance to design product policies, control frameworks and approval conditions.
- Prepare product papers, risk committee papers, approval notesand product governance documentation for new products or major product changes.
- Ensure product design covers key areas such as buyerobligation, supplier eligibility, invoice validation, assignment/ titletransfer, collections, dilution risk, fraud risk, dispute handling, recourse,repurchase events and operational controls.
- Work with functional partners to convert approval conditionsinto clear operating procedures and implementation checklists.
- Maintain a strong control mindset while enabling commercialgrowth and product scalability.
Product Commercialisation and Sales Enablement
- Own product commercialisation from internal approval tomarket launch.
- Run product workshops and enablement sessions for Sales,Solutions, country teams and other frontline stakeholders.
- Prepare product positioning, sales talking points, clientpitch inputs, FAQs and deal-structuring guidance.
- Support Sales and country teams on client discussions, dealqualification, pricing, product fit and programme structuring.
- Act as the product expert for assigned product areas and helpfrontline teams convert opportunities into executable transactions.
Product Performance, Revenue and Business Outcomes
- Track product performance across GTV, revenue, utilisation,pipeline, client adoption, pricing trends and portfolio growth.
- Work with Finance and business teams to understand productrevenue, margin trends, commercial performance and growth drivers.
- Identify revenue gaps, adoption issues or underutilisedproduct capabilities and propose action plans.
Cross-functional Execution
- Work closely with Product Development and Technology teams toensure product requirements are clearly defined and build priorities arealigned with business outcomes.
- Coordinate with Operations, Risk, Fraud and Legal teams toensure products are launch-ready, controlled and operationally scalable.
- Support UAT, launch planning and post-launch issue resolutionwhere product judgement is required.
Requirements:
- A minimum of 5-7 years of relevantexperience in trade finance, receivables finance, factoring, supply chainfinance, working capital finance, transaction banking or fintech.
- Strong practical understanding of Accounts Receivablefinancing, including factoring, invoice financing, receivables purchase,buyer-led receivables programmes, recourse/ non-recourse structures andcollection models.
- Good understanding of Accounts Payable and supplier financestructures, including buyer-approved payables, supplier onboarding andprogramme-based financing.
- Familiarity with key receivables finance risks and controls,including invoice validity, buyer confirmation, assignment/ title transfer,dilution, disputes, set-off, fraud risk, collections control and repurchase/recourse mechanics.
- Experience preparing or contributing to product papers, riskapproval notes, policy documents or product governance materials.
- Strong commercial mindset with ability to connect productdesign to GTV, revenue, pricing, utilisation, adoption and client outcomes.
- Comfortable working directly with Sales, country teams andfunctional partners on product positioning, client needs, deal structuring andlaunch readiness.
- Exposure to digital trade platforms, SaaS platforms, embeddedfinance, stablecoins, tokenised settlement, Web3-enabled trade flows or SC+initiatives would be an advantage.
What Success Looks Like:
- New product ideas are converted into clear, approved andlaunch-ready product constructs.
- Sales and country teams are better equipped to originate,explain and convert product opportunities.
- Product papers and approval materials are clear, commerciallygrounded and risk aware.
- Product performance is actively tracked through GTV, revenue,utilisation, pipeline and adoption.
