Product Manager - Loan

About LINE MAN Wongnai

LINE MAN Wongnai is Thailand’s Leading On-Demand Delivery and Lifestyle e-Commerce platform services. We build technology to help Thai people live better, to empower all local businesses by creating an end-to-end food ecosystem through our channel LINE MAN and Wongnai. Connected consumers, riders, and local businesses and improved the daily life of all parties with restaurants nationwide. And because we are local, we provide the deepest variety and services that are tailor-made for Thai people.

The Product Manager is a technical and strategic leader who serves as the bridge between user experience and the core financial engine. This role is responsible for the entire digital lifecycle of a loan, from the customer-facing interface to the complex back-end systems that power credit decisions and disbursements.

What you’ll Do:

• Product Strategy & Roadmap: Define the lending product strategy by deeply understanding credit markets, competition, and user requirements, ensuring alignment with the strategic vision.
• New Product Launch: Drive the end-to-end launch of new lending products by analyzing requirements, preparing ROI analyses, and establishing timelines in coordination with the Business/Commercial lead.
• Full-Stack Ownership: Provide total product ownership of the "what users touch" (Front-end/UX) as well as the back-end loan engine that powers the credit lifecycle.
• Core Loan and Credit Decisioning Engine System Development: Oversee and guide the building of the Core Loan and Credit Decisioning Engine System, ensuring scalability, compliance, and robust functionality for all credit products.
• Cross-Functional Collaboration: Work collaboratively with Risk & Portfolio to co-own product policies and with Data & Model to ensure seamless integration of credit scores and automated decisioning.
• Performance Iteration: Test product performance and iterate quickly, leveraging insights from Business Analytics to drive ongoing service improvements.
• Operational Integration: Partner with Credit Operations to ensure back-office flows (KYC, disbursement, and repayment) are seamlessly integrated into the product experience.

What you’ll Need:

• Bachelor's degree in Engineering, Computer Science, or a technical related field; or equivalent practical experience.
• Experience in product management specifically within fintech or banking, driving vision for credit products, go-to-market strategies, and monetization through interest and fees.
• Exposure to managing the end-to-end project lifecycle of financial services, including core banking systems or loan management engines. Experience in building or significantly contributing to the development of a core loan system is required.
• Ability to influence multiple stakeholders—from Risk and Data Scientists to Collections Managers—without direct authority.
• Strong commitment to data-driven decision-making, using Business BI and early-warning signals to prioritize the product backlog.
• Self-motivated, proactive, and flexible, with a willingness to contribute to the overall commitment of the P&L team goals.
• Excellent interpersonal and negotiation skills, with the ability to translate complex risk policies into simple user experiences.
• Proficient written and verbal communication skills in English to minimize misinterpretation among cross-functional teams.