PANICHA PHITSUDCHANON

Prepared MD&A reports and investor presentations for Oppday, Company Snapshot, and corporate website. Managed PR and investor communications, building and maintaining strong relationships with financial institutions, analysts, and shareholders. Conducted roadshows with institutional investors and asset management companies. Performed equity valuation and market trend analysis.

Manage and oversee the group’s total assets, including those held by subsidiaries, covering operational assets, investment portfolios, and long-term holdings to ensure alignment with the company’s strategic objectives. Develop and analyze financial strategies for capital utilization, investment planning, and dividend distribution across both short-term and long-term horizons. Evaluate and structure capital financing, including debt facilities, bond issuances, or equity offerings, to optimize the company’s capital structure. Coordinate with financial institutions and key stakeholders, working closely with banks, investors, and investor relations professionals to foster strong financial relationships and ensure effective financial communications. Support Investor Relations (IR) activities by preparing and communicating performance reports, shareholder meeting materials, and presentations for analysts and investors. Communicate strategic financial insights to senior management, presenting asset management plans and financial strategies to ensure they are fully aligned with the group’s business goals and consistently implemented across the organization. Conduct asset valuation and propose strategies for value enhancement or restructuring of asset holdings.

Supported the Credit Manager in planning, analyzing, and managing the credit approval process to align with corporate credit policies and risk appetite. Conducted in-depth credit analysis and risk assessments for both individual and business clients to determine creditworthiness and repayment capacity. Reviewed and approved credit proposals within delegated authority, and provided recommendations for high-risk or complex cases. Monitored portfolio quality, delinquency trends, and credit risk indicators; implemented corrective actions to maintain credit standards. Coordinated cross-functionally with Sales, Collections, Internal Audit, and Compliance teams to ensure end-to-end credit process effectiveness. Prepared and presented credit risk reports, portfolio status updates, and strategic recommendations to senior management on a monthly basis. Led continuous improvement initiatives in credit evaluation processes to enhance efficiency and turnaround time. Supervised and coached junior credit analysts, fostering a culture of performance, accountability, and development. Acted as a key liaison in the company’s successful membership application to National Credit Bureau (NCB), enhancing data access and risk control. Collaborated with executives in the preparation and analysis of Management Discussion & Analysis (MD&A) and financials related to joint ventures (JVs).

Managed financial and digital products related to the clean energy sector, including solar financing for both residential and commercial segments, EV financing, ESG-linked products, and sustainable investment solutions. Conducted in-depth research and analysis of customer needs—across both individual and corporate clients—to develop and enhance products that align with market demands and support sustainable business growth. Developed product strategies and defined product roadmaps in alignment with the bank’s ESG vision and long-term sustainability objectives. Collaborated closely with cross-functional teams including UX/UI, Technology, Data, Marketing, Business Development, and external partners to ensure smooth and effective product development and launches. Established and monitored key product performance indicators (KPIs), such as adoption rate, Net Promoter Score (NPS), and revenue contribution, to evaluate success and identify areas for improvement. Kept up with emerging technologies and clean energy trends—including solar, wind, EV infrastructure, and carbon credits—as well as evolving consumer behavior, in order to identify new business opportunities and propose innovative green product solutions.

Provided financial consultations and support to both retail and business clients in the areas of banking, investment, and financial products. Analyzed clients’ financial data to assess creditworthiness and developed tailored financial solutions. Built and maintained strong relationships with existing clients while actively seeking opportunities to expand the customer base. Coordinated with internal departments to ensure prompt and efficient service delivery. Consistently achieved sales targets for key banking products including personal loans, credit cards, life insurance, and deposits. Organized promotional campaigns and participated in exhibitions and events within the assigned area to enhance brand presence and customer engagement.

Rotated across key departments including International Procurement, Finance, Logistics, and Production to gain end-to-end exposure in global leather manufacturing. Supported international sourcing of raw materials and chemicals; coordinated with suppliers in Europe and Asia to manage import processes and documentation. Conducted cost analysis and vendor comparisons; assisted in price negotiation and reviewed Incoterms and shipping conditions. Collaborated with the Finance team on budget preparation and variance analysis; monitored cost trends against annual targets. Participated in foreign exchange (FX) hedging strategy, analyzing currency trends (THB, USD, EUR) and evaluating financial impact of international transactions. Contributed to SAP system implementation, including UAT testing and Master Data validation (Modules: MM, FI, PP). Assisted in optimizing warehouse layout and logistics flow; performed basic inventory control and helped improve delivery scheduling. Delivered a presentation to the Management Board, summarizing budget forecasts, procurement risks, and FX implications. Gained proficiency in SAP, Microsoft Excel (PivotTables, VLOOKUP), and PowerPoint for business reporting and decision support.

Managed on-site construction of factories and buildings under the Design & Build system, focusing on high quality, cost efficiency, and fast-track construction timelines. Coordinated closely with the Design Team to align drawing development with real-time site conditions, reducing both construction time and project costs. Inspected and monitored construction quality to ensure compliance with internal standards and client requirements, particularly for Japanese clients who emphasize precision and standardization. Key Project: Supervised the construction of Nissan Factory (KM.22, Bangna-Trad) with a total area of approximately 10,000 sqm, overseeing all phases including site preparation, foundation work, structural construction, and MEP systems.