Virut Hemnilrat

I'm a Cambridge MBA student with over 4 years of experience as a fintech product manager (>20M users), specialising in mobile, lending, and system implementation. I helped KBank, a Southeast Asian bank, launch and digitalise its businesses in Thailand and Vietnam. I also have experience providing product strategy consulting services for startups and large corporations, such as Amazon and BT.

Amazon, Boston, MA, USA (Mar 2023 – Apr 2023)

MBA Consultant

• Studied the voice assistant market and user-generated content platforms to come up with a product strategy for Alexa Answers

Archipelago Technology, Cambridge, UK (Oct 2022 – Dec 2022)

British High-Precision Coating Technology Start-Up

MBA Consultant

• Identified B2B customers’ need for the company’s technology through primary and secondary research, leading to the formulation of the company’s market penetration strategy

KASIKORNBANK (KBank), Bangkok, Thailand (May 2018 – Jul 2022)

Thailand’s no. 1 bank by mobile banking user base (20M users)

Senior Digital Lending Product Manager – Manager

• Established infrastructure for a more data-driven business model by overseeing the implementation of KBank Vietnam’s data warehouse system, launching the system in 6 months
• Laid down foundation for a first-in-the-market lending and BaaS business model with a 5-year target of $US1bn by leading process design and securing solution approval from executives
• Unblocked bottleneck due to technical staff shortage, averting a delay of 5 months, by taking up additional tasks of analysing system impacts and designing system architecture covering over 10 applications

Digital Lending Product Manager – Manager

• Enabled the introduction of KBank’s 1st retail lending product in Vietnam by researching market practice and regulations, resulting in the acquisition of over 3,000 customers within 1 year
• Facilitated development of a digital loan application channel, mentoring 11 recruits, 8 without lending experience, to launch the app within 6 months
• Ensured the right choice of IT vendor for KBank Vietnam’s digital transformation project, encompassing lending and payment, by training and leading a 5-person team to produce around 500 criteria and 200 test scenarios for vendor selection

Mobile Application Product Manager – Manager

• Enhanced security for borrowers across Thailand by leading a regulatory technology project alongside 10 departments and a regulator, resulting in creation of a national standard for digital loan application
• Proposed and implemented a new bank-wide standard for verifying retail customers’ personal information to reduce compliance risk
• Increased unsecured credit applications by 4 times, achieving US$1bn of approved credit limit in 6 months by implementing loan and credit card application features on mobile and optimising customer journey – won KBank’s 2021 project of the year award

Mobile Application Product Manager – Assistant Manager

• Created KBank’s omnichannel lending strategy framework (across 6 channels) by identifying conflicts between parallel projects, avoiding over US$1mn in unnecessary investment
• Eliminated customers’ inbound calls on selected mobile application problems by initiating and making relevant changes to application features
• Scrum master of a 16-member strong SME lending squad for a year, playing a critical role in pushing forward my organisation’s agile transformation.
• Managed front-end development of an international payment function, achieving $0.8M in revenue and cost saving in the first 6 months of the feature’s release

Mobile Application Product Manager

• Guaranteed highest software quality by identifying nearly 1,000 defects during the 2-month testing phase of a major mobile application revamp project
• Simplified a new insurance platform’s user journey through working with designers, insurance product managers, and negotiating with partners, leading to the over US$1mn in insurance premium income within 1 month after launch
• Helped the Bank win awards from The Asian Banker, an international financial services publication, for its banking application through co-writing award entries

Judge Business School, University of Cambridge, UK (Sep 2022 - Sep 2023)

Reading for Master of Business Administration degree, Recipient of CJBS Merit-Based Bursary

• Digital Transformation concentration
• Student Equality, Diversity, and Inclusion (EDI) committee representative
• Mentor for “Cambridge University Women in Business Society” & “A Little Tip”
• Co-Chair of LGBTQ+ Special Interest Group
• School’s board game captain for the MBA Tournament
• Start-up advisor for the Cambridge Ignite entrepreneurship training programme
• Lean Six Sigma Green Belt

University College London, UK (Oct 2016 – Sep 2017)

MA in Latin American Studies, Distinction, Recipient of best dissertation prize

• Self-studied the R programming language for the dissertation

University of Durham, UK (Oct 2013 – Jun 2016)

BA in Philosophy, Politics and Economics, First-class honours