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.
As the Repayment Experience & Automation Manager, you will be responsible for the critical front line of the repayments & collections lifecycle. Your primary objective is to prevent delinquency in its earliest stages (07 days) and ensure that customers remain on track with their repayment schedules through proactive engagement and operational excellence.
What You'll Do
Strategy & Prevention:
- Design and execute strategies specifically aimed at preventing delinquency early in the loan lifecycle
- Analyze customer behavior to identify at-risk segments before they miss a payment
Operational Levers & Automation:
- Own the auto-deduct system and optimization of repayment triggers
- Optimize the repayment channels to ensure they are frictionless, available, and reliable
- Manage, test, and refine automated nudges, including SMS, push notifications, emails, and in-app experiences (user / rider / merchant) to guide customer behavior.
- Implement and oversee platform levers to encourage timely repayment without damaging the long-term customer relationship
- Lead our moonshot initiative: spearhead the integration of AI-driven bots and dynamic decision engines into the early-stage collections process.
Performance Monitoring:
- Track roll-rates from current status to the delinquency bucket to measure strategy effectiveness
- Collaborate with the Portfolio Management team to align prevention tactics with overall portfolio health
Cross-Functional Support:
- Work with the Engineering, Data & Model teams to integrate early-warning signals and build tech-enabled collection workflows
- Provide feedback to the Underwriting & Policy team regarding the quality of the through-the-door mix based on early repayment performance
What You'll Need:
- 5+ years in credit collections, lending product management, specifically focused on early-stage delinquency or customer retention in a high-volume retail lending or fintech environment
- Understanding of nudge theory and how to influence customer payment behavior through digital communication
- Experience building or managing automated repayment systems and working with CRM/Collection modules
- Ability to interpret roll-rate data, experiments, and adjust soft collection levers in real-time to optimize cure rates.
- A strong passion for AI technologies and a visionary mindset to help transform traditional collections into an AI-enabled product experience
