- Work with various of lending products (including Digital cash lending, short term pay day, over draft, pay later)- Participating in the full cycle of lending product development and management. Conducted comprehensive market research, initiated product concepts, and led the development process on both technical and business fronts.- Developed and implemented a customer segmentation strategy, leveraging risk-based pricing to maximize new user acquisition capabilities. - Introduced innovative pricing models that optimized lifetime profitability per user - Works to build robust financial performance controls. Conducted regular performance assessments, implemented key performance indicators (KPIs), and optimized pricing strategies to ensure consistent profitability - Integration with big platforms in the market (e-wallet, e-commerce ... )

- Fostering a data-driven culture, influencing strategic decisions through comprehensive analysis of historical insights, market trends, competitive intelligence, and self-assessment. Executing technical responsibilities encompassing data engineering, database architecture, reporting systems, and analytics functions. - Facilitating high-level dialogues to identify growth prospects within the short to medium term (1 to 5 years), translating overarching concepts into meticulous plans with quantifiable performance metrics for streamlined business operations. - Conducting regular performance reviews, tracking progress, and formulating contingency strategies or amendments to the corporate blueprint when necessary. Spearheading the development of innovative sales platforms, including mobile applications, to expand market reach and enhance customer engagement. - Orchestrating a rigorous approach to control loan acquisition costs, encompassing fixed expenses (personnel) and variable costs (commission structures), while strategizing for growth that optimizes cost efficiency and aligns with long-term expansion goals. - Evaluating profit and loss scenarios, offering informed recommendations, and formulating actionable strategies. Managing diverse tasks ranging from debt delinquency, portfolio analysis, and product evaluation to staff allocation planning and cost management.

- Spearheaded the formulation and institutionalization of the Performance Management framework organization-wide. - Pioneered the creation of a comprehensive corporate scorecard, extending it from organization-level Objectives and Key Results (OKRs) down to departmental scores. Maintained frequent updates to track accomplishments. - Leveraged analytical skills to interpret data trends and address intricate business challenges, resulting in strategic recommendations. Utilized an array of reports to support current and future business needs. - Played a pivotal role in shaping departmental budgets, securing funding for corporate growth initiatives. - Exercised fiscal oversight over the corporate growth budget, directing expenditures towards incentivizing shops, drivers, and users to maximize order volumes and Gross Merchandise Value (GM- V). - Instrumental in the formulation of strategic models for new products such as cars and e-wallets. - Innovated sales team incentive structures, overseeing, assessing, and proposing enhancements to bolster sales team performance. - Contributed significantly to the establishment of business targets and comprehensive plans.

- Oversight and strategic guidance on credit portfolio quality and performance. Thoroughly analyze shifts within the company's credit portfolio and offer recommendations for refining risk management-oriented portfolio construction. - Establish, enhance, and sustain data models, reporting systems, data automation protocols, dashboards, and performance/financial metrics. - Formulate projections for portfolio performance, encompassing Expected Net Recovery (ENR), Non-Performing Loans (NPL), and provisions cost (Probability of Default / Loss Given Default rates). - Discern emerging trends and potential warning signals, implementing preemptive strategies to avert complications. - Validate and implement credit scoring models for acquisition, collection, and CRM campaigns. - Conduct intricate analyses to forecast near-term and long-term risk parameters. Furnish such analyses to shape the formulation of corporate Key Performance Indicators (KPIs). - Contribute insights to Collection strategies, instrumental in driving optimal loan portfolio outcomes. - Evaluate potential policy and operational changes, assessing their merits and demerits. Present recommendations to senior management. - Provide advanced estimations for forthcoming credit costs, initiating proactive measures to minimize expenses. Generated highly accurate reports for forecasting month-end performance, facilitating effective decisions and substantial savings in VND credit costs.

- Oversight and strategic guidance on credit portfolio quality and performance. Thoroughly analyze shifts within the company's credit portfolio and offer recommendations for refining risk management-oriented portfolio construction. - Establish, enhance, and sustain data models, reporting systems, data automation protocols, dashboards, and performance/financial metrics. - Formulate projections for portfolio performance, encompassing Expected Net Recovery (ENR), Non-Performing Loans (NPL), and provisions cost (Probability of Default / Loss Given Default rates). - Discern emerging trends and potential warning signals, implementing preemptive strategies to avert complications. - Validate and implement credit scoring models for acquisition, collection, and CRM campaigns. - Conduct intricate analyses to forecast near-term and long-term risk parameters. Furnish such analyses to shape the formulation of corporate Key Performance Indicators (KPIs). - Contribute insights to Collection strategies, instrumental in driving optimal loan portfolio outcomes. - Evaluate potential policy and operational changes, assessing their merits and demerits. Present recommendations to senior management. - Provide advanced estimations for forthcoming credit costs, initiating proactive measures to minimize expenses. Generated highly accurate reports for forecasting month-end performance, facilitating effective decisions and substantial savings in VND credit costs.

- Construct, enhance, and sustain data models, reporting systems, automated data processing protocols, dashboards, and metrics pertaining to performance and finance. - Pioneering impromptu and ongoing analyses and tests centered around collection strategies and portfolio performance. Propel enhancements within the collection process through comprehensive analyses and advanced analytics. - Lead a customer segmentation initiative, allocating the new portfolio to distinct agent groups (or collection methods) to optimize efficiency and cost-effectiveness. - Forge a program aimed at increasing debt payment likelihood among customers and fostering timely payment behaviors. - Revise the system's payment hierarchy (adjusting the allocation of collected amounts to Principal / Interest / Late fees) to enhance control over delinquency rates. - Identify and define novel opportunities for process improvement, forecast trends, and trigger alerts when warranted. Collaborate with cross-functional teams to implement strategic changes within Collection Operations, inclusive of technical development alongside IT. - Collaborate with testing teams to ensure accurate implementation of analytical strategies into operations, refining strategies during the pilot phase before full-scale deployment across Collection Operations. - Contribute insights to the formulation of collections incentive schemes.