Head of Financial Products

About LINE MAN WongnaiLINE 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.We are seeking a results-oriented and commercially driven Head of Financial Products to lead the strategy, development, and execution of our entire financial product portfolio targeted at our partners (e.g. drivers & merchants) and potentially our end users. Working in a fast-paced environment, you will bring your expertise and skills to tackle the challenges that impact millions of people on our journey to become the No.1 on-demand platform in Thailand.What you’ll Do:1. Business and P&L OwnershipStrategic Growth: Define and execute a clear commercial strategy to maximize the adoption, revenue, and profitability of our financial products (e.g., instant pay, lending).Full P&L Accountability: Own the complete Financial Products P&L, including forecasting, managing revenue targets, optimizing cost of funds, minimizing operational expenses, and maximizing Return on Assets (ROA).Go-to-Market Strategy: Drive the commercialization, pricing, and distribution strategies to ensure market fit and scalable growth among our partner base.Funding Strategy: Define and execute the capital structure and funding strategy required to scale the lending portfolio.Partnerships: Lead the negotiation and management of critical relationships with external financial institutions and key vendors to secure favorable terms and ensure product delivery.2. Credit Risk Management: Define the overarching credit risk appetite and framework for all financing products.Oversight: Partner closely with Data Science and Operations teams to monitor portfolio performance, manage delinquency rates, optimize credit scoring models, and oversee collections/recovery processes.Compliance: Ensure all financial operations adhere to regulatory standards and provide executive-level reporting on key financial health and risk indicators.3. Team Leadership & DevelopmentBuild and Lead: Recruit, structure, and mentor a high-performing team focused on commercial performance, financial analysis, and risk operations.Culture: Instill a culture of commercial focus and data-driven accountability across the organization.Internal Alignment: collaborate with the Product Management, Engineering, and Marketing teams to ensure they build the features necessary to meet commercial objectives.What you’ll Need:Education: Bachelor's degree in Business, Finance, Economics, or a related quantitative field. MBA or equivalent advanced degree is highly preferred.Experience: 8+ years of professional experience in Financial Services, FinTech, Corporate Strategy, or Management Consulting, with a focus on lending or payments products.Leadership experience: 3+ years in a Business Unit Head, or P&L Ownership role, demonstrating the ability to drive financial outcomes.Commercial Acumen: Deep expertise in commercial strategy, pricing, distribution, and financial modeling for a B2B or B2C financial product.Risk Exposure: Demonstrated experience or direct accountability for credit risk management (or market/financial risk) within a lending or credit-intensive business.Compliance: Strong familiarity with regulatory environments governing financial products.