Summary
Overview
Work History
Education
Skills
Certification
Personal Information
Timeline
Generic
Natee Thongwattanaporn

Natee Thongwattanaporn

Chief Commercial Officer
Bang Phli,Samutprakarn

Summary

  • Considerable experiences in product & marketing field in Retail Banking industry for more than 25 years by taken care of almost all product lines i.e. fee-based, liability, insurance, credit card, unsecured loans and SME.
  • Strong in the end-to-end business flows and operations design to support the startup of digital lending, including setup the collection team and formulating collection strategies to support the business growth.
  • Demonstrate ability to orchestrate team to develop and launch new products & services, create marketing strategies to either acquire new loan/card customers or boost up spending of existing customers.
  • Results-oriented, self-motivated team contributor
  • Strong communication skills with ability to interface effectively at all levels.
  • Seeking position in which product management, strategic planning & operating skills could be contributed to a company success

Overview

29
29
years of professional experience
1
1
Certification

Work History

Chief Commercial Officer

Rabbit Cash
09.2024 - Current
  • Evaluated market trends and competitor analysis to support data-driven decision making and drive growth.
  • Negotiated key partnerships with external stakeholders, fostering collaboration and driving sustainability via welfare loan sales
  • Led cross-functional teams to successfully execute high-impact business development or synergy projects in Rabbit ecosystem.
  • Spearheaded the implementation of innovative sales tools and technologies, enabling more targeted sales efforts.

Chief Operating Officer

Rabbit Cash Company Limited
06.2021 - 09.2024
  • Designed the operating business flow with 100% digitization in newly lending business set-up and ensured the overall business run smoothly with flawless to serve selective customers in BTS/VGI ecosystem, started our pilot launch in October 2021
  • Led 4 teams ;-Underwriter, Operation, Customer Services and Collection to design, operate the end-to-end process and delivered successfully while fulfilled customers' satisfaction, aligned with business direction
  • Led teams to work with Tech to up and run all 4 related systems i.e
  • Mambu (maintenance system), Verifio (front-end system), Proto Call (Customer Services system) and Arthena (Collection system)
  • Formulated the collection strategy, built in-house team to deliver almost 90% of Collection Efficiency in early bucket while utilized and managed the outsourced teams to strengthen the overall performance with optimized cost

Team Head of Small Business Lending

TMB Bank Public Company Limited
01.2020 - 06.2021
  • Strategically changed the operating business model while reengineered the process for Small Business new booking (SME) to increase the efficiency with lower acquisition cost
  • Built and developed new front-end system with the new E2E workflow to cater all credit facilities under Small Business Lending with multiple collateral types within 7 months
  • Worked and led all valued chains i.e
  • Frontline, IT, accounting, finance, DWH to implement 'Debt Moratorium' based on Royal Decree and BOT announcement with the tight timeline
  • Prepared the Post Relief Programs with implementation strategy to timely launch and support all SME customer groups to survive in this difficult time due to the COVID pandemic & economic downturn after Royal Decree end

Team Head of Unsecured Lending Products

TMB Bank Public Company Limited
09.2018 - 12.2019
  • Developed and launched the new on-boarding process through on-line loan application with 100% digital experiences named 'Instant Approval' in 2H2019
  • Launched the 1st card to tab affluent segment in TMB called 'ABSOLUTE Visa Signature' in July 2019 with breaking new records high at 10,000 cards within couple months
  • Implemented the new income model to existing customers base to support digital lending

VP, Personal Loan & Alternate Channel Division

Siam Commercial Bank PCL
08.2011 - 03.2018
  • Initiated and formulated product & marketing strategy to grow personal loan portfolio;- both term loan and revolving credit
  • Enhanced revolving product feature to build up usage, simultaneously planned and launched a variety of usage programs with motivation campaigns with related channels to drive usage volumes
  • Developed and managed on new on-boarding process through Digital channel, called SCB One
  • Planned and launched the new product to tap higher income segment with special features enhancement and related benefits

VP, Product and Customer Management

Hong Kong and Shanghai Banking Corporation (HSBC)
04.2006 - 07.2011
  • Formulated and implemented product/service strategy for credit card, personal loan, investment, insurance and all banking products e.g
  • Time Deposit, Savings, Mortgage etc
  • Led team in developing and managing new products/packages e.g
  • Platinum, Self-employed Installment Loan, Bill of exchange, HSBC short-term debenture, credit shield for credit card etc
  • And/or enhancing our existing products/packages to cater to our targeted market e.g
  • Top-up
  • Revisited the product pricing, tariff and other banking fee and proposed to change or adjust to maintain the competitiveness and profitability based on market situation

AVP, IL Acquisition, Credit cards & P-loans

Standard Chartered Nakornthon Bank
12.2004 - 03.2006
  • Initiated and revisited plans to cope with the dynamics environment of installment loan, launched 6 acquisition programs with almost 10BN loan drawdown in 2005
  • Explored, tested, launched programs to low income segment and monitored it closely to sustain the overall business profitability
  • Established the strong and varied sources of alliance/business partners, thereby expanding Installment Loan distribution channels i.e
  • HomeWorks, DTAC with problem-solving & complaints management skill
  • Created cross-sell programs to expand our portfolio by leveraging on existing customers of either other value centers or SCNB affiliate

AVP, Marketing Development

Hong Kong and Shanghai Banking Corporation (HSBC)
06.2004 - 11.2004
  • Formulated the marketing campaigns to both acquire new card members in mass market through a major distribution channel i.e
  • 3rd party agent and sustain the spending volume of each new customers within 6 months
  • Initiated the special marketing program to expand credit card portfolio by marketing head office i.e
  • MGM, 2nd/supplementary card campaigns
  • Managed the follow-up documentation team to complete the end-to-end process of special marketing campaign from head quarter
  • Grew the liability portfolio by launching marketing programs to acquire new High Net Worth customers with both internal & external communication skill

Senior Specialist, Card Acquisition

Bank of Asia PLC.
10.2002 - 05.2004
  • Formulated & customized the marketing campaign to acquire new card member in each specific target (niche market)
  • Planned and launched new co-branded cards focusing on niche segments i.e
  • Asia Siam TV VIP MasterCard, Asia Visa Thai Noni Card
  • Planned and launched Resurrection Program of a generic card with implementation plan

PLC Usage & Promotion Manager

Standard Chartered Nakornthon Bank
07.2000 - 09.2002
  • Created the marketing campaigns to increase the customer's utilization rate by 15% i.e
  • PLC merchandising booklet, activation program, Reward, acquisition campaign
  • Dealt and negotiated with the 3rd parties to jointly do the promotions and activities e.g
  • Sinsiam, The Swatch Group etc

Investment & Insurance Products Officer

Standard Chartered Nakornthon Bank
07.2000 - 07.2001
  • Developed investment & liability & fee base products by constantly updated and analyzed market information, competitors in order to manage and enhance the competitiveness of the products
  • Formulated product strategies and developed marketing programs not only to expand market share but also to generate more fee revenue
  • Negotiated with other parties in order to deliver other related banking products and services in accordance with rules and regulations, including enhanced the profitability to the Bank

Marketing & Product Assistant

Marketing Media Associated Co., Ltd.
04.1996 - 04.2000
  • Company Overview: (A member of Minor Group)
  • Assisted in formulating new product strategy and execution; trade marketing start-up for Time Life business and educational books and publishing
  • Functioned as liaison between sales team and external vendors/prospects and organization
  • (A member of Minor Group)

Education

Master of Business Administration - Marketing Management

Assumption University
Bangkok
2000

Bachelor of Poli0cal Science - Government & Administra0on

Chulalongkorn University
Bangkok

Skills

Leadership skills to lead / coach team to deliver the target

Certification

Single License, 018753, for investment product

Personal Information

  • Date of Birth: 10/08/74
  • Gender: Female
  • Marital Status: Married

Timeline

Chief Commercial Officer

Rabbit Cash
09.2024 - Current

Chief Operating Officer

Rabbit Cash Company Limited
06.2021 - 09.2024

Team Head of Small Business Lending

TMB Bank Public Company Limited
01.2020 - 06.2021

Team Head of Unsecured Lending Products

TMB Bank Public Company Limited
09.2018 - 12.2019

VP, Personal Loan & Alternate Channel Division

Siam Commercial Bank PCL
08.2011 - 03.2018

VP, Product and Customer Management

Hong Kong and Shanghai Banking Corporation (HSBC)
04.2006 - 07.2011

AVP, IL Acquisition, Credit cards & P-loans

Standard Chartered Nakornthon Bank
12.2004 - 03.2006

AVP, Marketing Development

Hong Kong and Shanghai Banking Corporation (HSBC)
06.2004 - 11.2004

Senior Specialist, Card Acquisition

Bank of Asia PLC.
10.2002 - 05.2004

PLC Usage & Promotion Manager

Standard Chartered Nakornthon Bank
07.2000 - 09.2002

Investment & Insurance Products Officer

Standard Chartered Nakornthon Bank
07.2000 - 07.2001

Marketing & Product Assistant

Marketing Media Associated Co., Ltd.
04.1996 - 04.2000

Bachelor of Poli0cal Science - Government & Administra0on

Chulalongkorn University

Master of Business Administration - Marketing Management

Assumption University

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Natee ThongwattanapornChief Commercial Officer