Trang Phạm Thu Email and Phone Number

In charge of unsecured overdraft process on SHB Mobile and SHB SAHA app.Responsible for the Customer experience journey on Digital channels, backlog management, development team management (Squad 02) and decide on priorities in the product development process.Coordinate with the Retail Division and give feedbacks during the product design and business program process. Build an automatic credit approval system for credit cards and unsecured overdrafts (ACAS).Train business units to use the system.Achievements:

Design and build products and processes for accounts, payments, capital mobilization and remittances.In charge of designing and building price and fee policies; communication, marketing, internal competition program for product groups.Participate in building processes and products for the "local account" campaign - growing to 20 million customers by the end of 2022.Planning and building Priority Customers identification criteria at MB.Review the conversion of normative documents when converting the over-the-counter sales model to the UB business model.

Plan the card product tree in general and standardize all credit card issuance regulations at MB with the methodology consulted by Experian.Develop credit card issuance policies for specific Partners/Customers such as military personnel, civil servants, public employees... design products combos mixed with credit products, lucky digital account number,...Design and build a number of new cards to marked a highlight in the market such as Hybrid multi-function cards (integrating credit card + debit card in the same card bill, card chip), build credit cards linked between MB and Vietnam Airlines.Plan to build a system of credit profile standards and automatic approval for credit card products, including automatic first-time credit approval, automatic Up Sell and Cross Sell approval.In charge of card price and fee policies: (i) Rebuild credit card interest rate schedule; (ii) Review, adjust and standardize the interest rate schedule and card fee schedule.Design media publications, marketing programs, internal competition programs for card product groups, prepare a complete End to End toolkit including policies, prices, fees, communication, incentives for business units and Sales department to promote product developmentResponsible for digital transformation with the Digital Banking Division: Coordinate to create articles and send personnel to participate in building the card journey on the App. Implement training for business units and support when problems arise (eg: Build a journey to open a self-service debit card - 100% of customers open a debit card on the App and print the card themselves at Smartbank points/integrated ATMs/branches ).Manage product portfolio based on each campaign, policy and general product management...Achievement: Outstanding staff 2021

1. Leading the Real Estate lending team (real estate + project housing) and specific policies for partners (VIN, Sun,...) - the most important product that accounts for 55% total loan of Personal customer line in MB. Responsibilities: (i) Develop products and processes;(ii) Build a system of document circulation and credit approval;(iii) Develop price and fee policies;(iv) Build competition programs;(v) Design communication and marketing programs;(vi) Manage Debt quality (vii) Manage product portfolio, etc;2. Member of real estate credit granting strategies developing project, an application which automatically makes approval as advised by Experian Partner.3. Leader of document circulation and credit approval system team: automatic document circulation (BPM~ LOS), policy check and automatic approval (CRA, PCSM).4. Build up debt handling process for individual customers at MB5. Build up loan products for Novaland project on AppAchievement: Excellent staff of PD project in 2020Deserving staff in 2019Outstanding staff in 2017

Individual customer appraisal specialist level 3 with approval of Deputy General Director and Credit Council or higherAchievement: Outstanding staff in 2015

To be on payroll, expert in asset management and financial planning of the Department of Financial Management on payroll, expert in asset management and financial planning of the Department of Financial Management.Achievement: Excellent employee award

Directly perform appraisal work and submit to the Centralized Credit Council for approvalAchievement: Valedictorian in ACB's comprehensive one-month intensive training program. Completed KPIs.