Phanwadee Kietsirianan

Finance Manager with more than 15 years of experience in corporate finance, treasury management, cash flow planning, project finance, and corporate banking across listed companies, real estate development, retail, and financial institutions. Experienced in managing corporate loans, banking facilities, liquidity, working capital, budgeting, financial forecasting, and foreign exchange (FX) risk management. Strong background in working closely with commercial banks to secure financing, negotiate banking terms, optimize funding costs, and support business growth.

Finance Manager at Thai Rubber Latex Group PCL. (2020-11 – Present)

• Manage treasury operations, cash flow, liquidity, and working capital for a publicly listed company group.
• Prepare annual budgets, cash flow forecasts, and financial reports for management and support strategic business planning.
• Monitor daily cash positions and ensure sufficient funding for business operations through effective utilization of banking facilities exceeding THB 1 billion.
• Manage banking relationships, corporate loans, credit facilities, and funding of over THB 1 billion, including negotiation of interest rates and banking terms.
• Oversee foreign exchange transactions and hedging activities to minimize currency risks.
• Achieved THB 3.0 million realized FX gain in 2025 through effective management of foreign exchange transactions.
• Reduced financing costs by negotiating lower interest rates with banking partners, achieving interest savings of 10% below budget in 2024 and further improving to 12% below budget in 2025.
• Prepare financial analysis, liquidity reports, and treasury reports for executive management.
• Ensure compliance with internal financial controls, banking regulations, and company policies.

Financial Project Manager at Pannaphat Development Co., Ltd. (2019-02 – 2020-10)

• Managed financial planning and cash flow for luxury residential development projects.
• Prepared project feasibility studies and financial models for bank financing.
• Coordinated project financing with commercial banks and managed project loan facilities.
• Controlled project budgets and monitored construction payments.
• Worked closely with contractors, consultants, architects, suppliers, and financial institutions throughout project implementation.

Marketing Credit Card Promotion Manager at The Mall Group Co., Ltd. (2018-05 – 2019-02)

• Developed and executed strategic credit card promotion campaigns with leading commercial banks.
• Negotiated campaign structures and marketing privileges to maximize return on investment and customer engagement.
• Analyzed competitor campaigns and customer spending behavior to improve campaign effectiveness.
• Collaborated with banking partners to drive sales growth and strengthen strategic partnerships.

Financial Manager – Financial Management Department at The Mall Group Co., Ltd. (2017-03 – 2018-04)

• Oversaw consolidated financial reporting, budgeting, and cash flow planning for corporate operations.
• Managed banking relationships, corporate loan facilities, and financial transactions.
• Coordinated with commercial banks on financing requirements, credit facilities, and treasury transactions.
• Delivered financial analysis and portfolio performance reports to support management decision-making.
• Led and supervised a finance team of 5 staff members.

Project Manager (Financial) at Pannaphat Development Co., Ltd. (2013-09 – 2017-03)

• Led project finance operations for luxury residential developments.
• Prepared feasibility studies, financial models, and cash flow projections to support bank financing approvals.
• Oversaw project budgets, payment schedules, and contractor agreements throughout project execution.
• Negotiated pricing and sourcing for construction materials and project equipment.
• Coordinated with architects, contractors, consultants, suppliers, and financial institutions to ensure alignment with financial and construction plans.

Assistant Vice President – Corporate Loan Department at Land and Houses Bank PLC. (2010-10 – 2013-08)

• Managed a team of 7 relationship officers and analysts.
• Developed and managed corporate lending portfolios across real estate, manufacturing, trading, logistics, and service industries.
• Performed credit and financial analysis, including cash flow projections, DSCR assessment, and financial ratio evaluation, to support corporate lending decisions and credit approvals.
• Presented credit proposals and lending recommendations to the Credit Committee.
• Monitored client performance and loan facilities to mitigate credit risk and maintain portfolio quality.

Branch Manager – Sampeng Branch at Land and Houses Bank PLC. (2009-09 – 2010-09)

• Oversaw branch operations and supervised 6 staff members to ensure operational efficiency and achievement of business targets.
• Developed customer relationships for deposit products and credit facilities.
• Ensured compliance with bank operational standards and internal controls.

Manager – Corporate Loan Division at Land and Houses Bank PLC. (2006-06 – 2009-08)

• Originated and managed corporate lending relationships across manufacturing, trading, logistics, property development, and service sectors.
• Structured loan facilities and prepared credit approval proposals for corporate clients.
• Maintained and strengthened long-term client relationships to support portfolio growth.

Assistant Branch Manager at Citicorp Leasing Co., Ltd. (2001 – 2006)

• Corporate lending
• Leasing and factoring facilities
• Credit approval
• Bad debt prevention

Senior Marketing Officer at Bangkok Grand Pacific Lease PLC. (2001 – 2006)

• Corporate lending
• Leasing and factoring facilities
• Credit approval
• Bad debt prevention

Relationship Manager at UOB Leasing (Thailand) Co., Ltd. (2001 – 2006)

• Corporate lending
• Leasing and factoring facilities
• Credit approval
• Bad debt prevention

Credit & Marketing Officer at Siam City Leasing Factoring PLC. (2001 – 2006)

• Corporate lending
• Leasing and factoring facilities
• Credit approval
• Bad debt prevention

Credit & Marketing Officer at Siam City Factoring PLC. (2001 – 2006)

• Corporate lending
• Leasing and factoring facilities
• Credit approval
• Bad debt prevention

Bachelor of Business Administration – The University of the Thai Chamber of Commerce (1992 – 1995)