As a Product Owner at Techcombank, one of the leading commercial banks in Vietnam, I have over 10 years of experience in finance and banking, with a focus on retail banking segmentation. I am certified as a Professional Scrum Product Owner I (PSPO I) by Scrum.org, demonstrating my proficiency in agile product development and management.I am an expert in developing and enhancing product features, improving processes, setting credit policies, designing sales and marketing programs, and managing unsecured and credit card products. I am a business-oriented, critical thinker who can effectively develop and implement a variety of operational and business strategies to drive digital banking innovation and customer satisfaction.