AVP/VP, Product Manager, Liquidity Management Solutions, Global Transaction Services

Global Transaction Services (GTS) comprises Cash Management, Trade Finance, Securities Services and Fiduciary Services. In an increasingly borderless world marked by growing transaction flows, expertise in cash and working capital management is an invaluable asset. With cash the lifeblood of every company, a strong understanding of how to manage cashflows is essential.

Account Services, Liabilities and Liquidity Management are critical to supporting clients' cash management needs and the bank's institutional liability franchise.
This role is for a Product Manager to play a hands-on role in deal solutioning, execution discipline and portfolio deepening, working closely with Sales and Coverage teams. A core focus will be Liquidity Management and Treasury Solutions, as well as RMB-related initiatives, ensuring client propositions are scalable, executable and aligned with regional client needs.

Key Accountabilities

• Manage key aspects of the Account Services & Liquidity Management product suite, including product strategy and roadmap, product development, pricing, portfolio management and customer journey
• Manage relationships with cross-functional partners in support of the institutional liability book, driven by Operating Account and Treasury Management solutions
• Work with Country Product partners to align group and country strategies in driving business outcomes and deal pipelines
• Drive special initiatives in line with changing macroeconomic trends, including diversification of the bank's deposit portfolio and growth in fast-growing currencies such as RMB
• Collaborate with internal stakeholders including Technology, Legal, Compliance and Operations to ensure timely delivery and successful commercialisation of capabilities, including preparation of end-to-end processes, documentation, and sales and marketing materials
• Ensure clear understanding of product strengths and capabilities across customer touchpoints including Relationship Managers, GTS Sales Managers, Client Management and BusinessCare through proactive training and communication
• Drive deal solutioning in close partnership with Sales, Coverage, Treasury Advisory and Implementation teams

Key Responsibilities

• Ongoing research and development to enhance offerings in line with evolving market and client needs
• Conduct market analysis to ensure competitiveness of key client propositions aligned to corporate treasurer requirements; partner internal stakeholders to address identified gaps through tactical and strategic measures
• Identify and mitigate risks through appropriate legal documentation, product controls and robust operational processes
• Conduct data analytics on the liabilities base and provide insights on assigned segment portfolios to support relationship deepening
• Proactively engage segment partners to devise and drive strategies contributing to the acquisition, retention and growth of customers and operating account balances

Experience & Capabilities

• 8 to 10 years of banking experience, preferably in Cash Management, Liquidity Management, Treasury Solutions or Transaction Banking Product
• Strong understanding of liquidity structures, operating accounts and balance sheet implications
• Proven ability to work across Sales, Product, Technology, Operations, Legal and Compliance
• Strong analytical skills with the ability to translate data and client needs into actionable solutions
• Comfortable operating in deal-driven, outcome-oriented environments

Personal Attributes

• Commercially minded with strong execution focus
• Able to operate at both strategic and hands-on solutioning levels
• Clear communicator who can influence through expertise
• Structured, disciplined and comfortable managing complexity
• Collaborative mindset with strong stakeholder management skills