Business Product Manager,Online Job Singapore,Finance & Banking

Position: Business Product Manager, Online Payments

Own NETS’ Online Payments merchant acquiring business end to end, including strategy, P&L and products, working closely with sales teams to deliver the numbers.

Portfolio: Card not present (CNP) Direct Acquiring Product & eco-systems i.e. In dependant Software Vendors, Payment Gateways & Payment Facilitators, eNETS, NETS Click, NETS QR Online, Inbound cross-border wallets. A senior role combining product ownership, P&L and leadership to sales team.

Key Responsibilities Business & P&L

Own the NETS Online Payments P&L — revenue, mark-up, scheme/processing costs, opex, margin.
Build and run the annual and multi-year strategy plan (revenue, TPV, pricing, investment).
Size and prioritise merchant segments and revenue pools; set the targets.
Track commercial KPIs (acquisition, activation, TPV, yield, churn, mix) and act to achieve them.
Optimise pricing, interchange/scheme fees and margins with banks, schemes and partners.

Sales & commercial leadership

Translate the business plan into the sales plan and jointly own the numbers with sales team.
Direct the acquiring sales activities in focus segments: enterprise, vertical, NETS base cross-sell, government.
Steer the eco-system channels: ISV, PSP/gateway wholesale, payfac, self-serve.
Set coverage, quotas and incentives — reward activated TPV.
Lead key merchant/partner deals; leverage NETS’ base and shareholder banks (DBS, OCBC, UOB).

Product & technology

Own the roadmap for eNETS, NETS Click, NETS QR Online and CNP direct acquiring.
Run the full product lifecycle; serve all segments and verticals; lift conversion and acceptance rates.
Direct the platform: APIs, SDKs, hosted pages, plug-ins, routing, tokenisation, 3DS2, settlement, FX.
Expand acceptance: credit cards, Pay Now, NETS internet direct debit, NETS QR, cross-border wallets, BNPL.
Translate requirements into costable specs for Technology, Operations and Risk.
Manage banks, schemes, ISVs, PSPs/gateways, payfacs and BNPL providers; structure payfac and orchestration deals.
Ensure compliance — MAS PSA, scheme rules (incl. payfac registration), PCI-DSS, AML/CFT, data protection.
Keep onboarding, KYC/KYB, monitoring, chargeback and dispute policies current; for payfac, run underwriting, reserves and exposure caps.
Lead the product team; align Sales, Tech, Ops, Finance, Legal, Risk and Marketing.

Requirements Education & Experience

10+ years in payments; 4+ in online/CNP product and commercial roles (acquirer, PSP, gateway, scheme or large e-commerce).
Degree in Business, Finance, IT or related; postgraduate qualification an advantage.
P&L ownership of a payments product or merchant acquiring business.
Direct acquiring and merchant-business background — pricing, economics, negotiation.
Track record directing/influencing sales teams to revenue and volume targets.
End-to-end online payments product management; ISV/partner and ideally payfac experience.

Skills

Deep CNP, gateway and direct-acquiring economics (interchange, scheme fees, MDR, margins).
Tokenisation, 3DS, network tokens, QR & wallets (incl. cross-border), BNPL, and the payfac model and its risks.
Sales leadership through direct and matrix influence; strong stakeholder management.
Risk and compliance literacy (MAS PSA, PCI-DSS, scheme rules, AML/CFT).