Product Manager

ADVANCE.AI is a leading AI company that provides digital transformation, fraud prevention, and process automation solutions for enterprise clients. A leader in Artificial Intelligence, risk management and digital lending solutions, it currently partners over 500 enterprise clients across banking, financial services, fintech, payment, retail and e-commerce sectors. ADVANCE.AI has a global footprint across 11 markets in 3 continents. ADVANCE.AI is part of Advance Intelligence Group, a Series D-backed Tech Unicorn valued at US$2 billion, and also one of the largest independent technology startups based in Singapore. Founded in 2016, the Group has presence across Southeast Asia, Latin America and Greater China. The Group is backed by top tier investors SoftBank Vision Fund 2, Warburg Pincus, Northstar, Vision Plus Capital, Gaorong Capital, Pavilion Capital, GSR Ventures and Singapore-based global investor EDBI. Advance Intelligence Group employees are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities. Our culture is built on values that are core to who we are and what we stand for: We foster an INNOVATION mindsetWe achieve results with EFFICIENCY and excellenceWe take pride in the QUALITY of our workWe uphold INTEGRITY in all we doWe embrace COLLABORATION to work across business lines and borders About The Role We are hiring a Product Manager to own, design, and deliver products and capabilities enabled by the Advance Tier license. This role sits at the intersection of regulation, data, risk, and commercial outcomes, not just UI features. You will work closely with regulators, data partners, data science (Regional), engineering (Regional), legal/compliance, and commercial teams to turn regulatory access into real, monetizable products. Key Responsibilities Advance Tier Product OwnershipOwn the Advance Tier product roadmap end-to-end (from license capability → product design → GTM).Translate regulatory privileges (e.g. data access, logic control, response SLAs) into concrete product features and APIs.Define what products are only possible under Advance Tier vs Basic Tier—and why they matter commercially.Regulatory & Compliance AlignmentWork closely with regulators, compliance, and legal to ensure all product designs adhere to Advance Tier conditions.Understand and operationalize constraints around:Data usage & purpose limitationData retention & auditabilityModel governance and explainabilityAct as the product “bridge” between regulator language and engineering execution.Data & Risk Product DesignPartner with Data Science to:Improve hit-rate, match logic, and fuzzy matchingEnable configurable rules, scoring logic, and segmentationDefine product requirements for:Advanced credit reportsEnhanced scoring & attributesPortfolio monitoring & alertsRisk & compliance-ready APIsCommercial Enablement & Value RealizationWork with Sales, Presales, and Partnerships to:Craft clear value propositions for lenders, fintechs, BNPLs, and banksSupport pricing, packaging, and tier differentiationEnsure Advance Tier products deliver measurable uplift (e.g. hit-rate, approval rate, risk reduction, revenue).Delivery & Cross-Functional ExecutionWrite clear PRDs / BRDs with strong problem framing, not just feature lists.Work with:Engineering (local & regional teams)Data ScienceQA & OpsOwn delivery milestones, UAT readiness, and production launch quality. Required Experience & Skills Bachelor's Degree in any relevant field5–10+ years experience as a Product Manager (data, platform, risk, or fintech preferred)Experience working with regulated products (financial services, credit, data, payments, gov-linked systems)Strong ability to translate ambiguous regulatory requirements into executable product specsComfortable working with APIs, data schemas, scoring logic, and system flowsStrong stakeholder management across business, tech, and compliance Nice-to-Have Experience in:Credit bureau, lending, BNPL, banking, or fintechRisk models, scoring, or alternative dataPrior exposure to:Regulatory licenses or sandbox environmentsData-heavy or API-first platformsAbility to communicate in English + Mandarin (to work with regional tech teams)