Job Description: Digital Lending Product Manager

Team: Digital Lending

Role Overview:

As a Digital Lending Product Manager, you will be responsible for the end-to-end management of digital lending products such as personal loans and other lending products. The role requires a deep understanding of customer needs, market trends, and competitive dynamics to create, launch, and manage products that deliver value and drive revenue growth. You will work closely with cross-functional teams, including marketing, risk management, operations, and legacy owners, to ensure successful execution and continuous improvement of product offerings. ________________________________________________________________________________

Key Responsibilities:

1. Product Development and Strategy:

- Lead the design, development, and implementation of digital lending products. - Identify market opportunities, customer pain points, and emerging trends to develop innovative lending solutions.

- Define the product roadmap, ensuring alignment with the company’s overall growth strategy.

2. Portfolio Management:

- Manage the existing portfolio of unsecured lending products, including monitoring performance metrics (e.g., profitability, delinquency rates, and customer satisfaction).

- Collaborate with risk management to adjust product features and lending criteria to optimize risk-adjusted returns.

- Continuously assess product profitability and recommend enhancements or modifications to meet business targets.

3. Go-to-Market (GTM) Strategy:

- Develop and execute GTM plans for new products, including pricing strategies, marketing campaigns, and promotional offers focusing on digital platforms e.g. Krungthai NEXT, Paotang and Tungngern application.

- Work with marketing teams to create customer-centric marketing materials and campaigns to drive product uptake.

- Ensure smooth and timely launches of products by coordinating with various stakeholders, including legal, compliance, and IT.

4. Customer Experience and Innovation:

- Enhance customer experience by identifying opportunities to streamline application processes, improve product features, and offer value-added services through digital platforms.

- Monitor customer feedback and complaints to identify areas for improvement and drive innovation.

- Ensure digital capabilities are incorporated into the product to meet customer demands for a seamless and user-friendly experience.

5. Cross-Functional Collaboration:

- Liaise with risk, operations, and finance teams to ensure the products meet regulatory requirements and company objectives.

- Collaborate with technology teams to ensure system readiness for product launches and enhancements.

- Act as the product expert and provide training to sales teams to drive product knowledge and improve sales effectiveness.

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Key Qualifications:

• Education: Bachelor’s degree in Business, Finance, Economics, or a related field. An MBA or relevant certifications in product management are a plus.
• Experience: - Minimum of 2 years of experience in unsecured lending, preferably in digital lending product management, product development, or portfolio management roles.
• Proven track record in managing or launching credit card, personal loan, or similar digital lending products.

Skills:

• Strong analytical skills with the ability to interpret data, assess risk, and optimize product performance.
• Excellent communication and presentation skills, with the ability to influence stakeholders across different departments.
• Ability to work in a fast-paced environment and manage multiple projects with tight deadlines.
• Familiarity with digital banking trends, fintech solutions, and customer engagement strategies.
• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint); experience with analytics tools or CRM platforms is a plus.

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Key Competencies:

• Strategic thinking and strong problem-solving skills.
• Customer-focused mindset with a passion for improving user experiences.
• Collaborative team player with a track record of leading cross-functional projects.
• Results-driven with an ability to meet and exceed performance goals

Contact : K.Wannaporn 02-•••-•866

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