Experience

Mirae Asset Finance Company Limited (Vietnam)

• Financial Services
• 1 - 100 Employee

• Head of Risk

  • Mar 2021 - Present

  • Manage whole Risk department to ensure all risk metrics are under control • Collaborate with external partners in relevant topics • Project owner to enhance automation of Risk decision engine • Manage whole Risk department to ensure all risk metrics are under control • Collaborate with external partners in relevant topics • Project owner to enhance automation of Risk decision engine



Home Credit Vietnam

• Vietnam
• Financial Services
• 1 - 100 Employee

• Head of Underwriting Acquisition

  • Feb 2020 - Jan 2021

  • Manage 3 main acquisition products - Two Wheeler, Consumer Durable and Acquisition Cash Loan in Approval processes to ensure all risk metrics including approval rate, risk defaults are under control by implementing changes in Risk's decision engine.• Monitor, analyze, review problem areas and business impact to raise enhancement proposal and adjust risk strategy according to mutual agreement.• Optimizing big data costs (credit bureau, telco, social networks) in sequencing query to minimize the cost without negative impact to risk.• Cooperate with external partners by exchanging data, reviewing performance in building or back testing of new version of scores that will be integrated in specific scorecard model.• Cooperate closely with internal business partner such as Commercial, Product to understand clearly about particular characteristic of each campaign, product and segmentation then applying correspond Underwriting strategy. Show less

• Head of Portfolio Management

  • May 2019 - Feb 2020

• Portfolio Risk Management Manager

  • Sep 2013 - Apr 2019

  • Building up new Portfolio Management department in Risk division• Maintaining and developing Risk report to monitor all underwriting processes and risk indicators. Based on these information, risk performance will be controlled and adjusted in order to ensure all progress inline with business goals• Developing vintage report on product with more segment and portfolio level• Estimating expected loss on particular product, dealer and region as well as total portfolio level. Based on this, calculate profitability and propose suggestion in changing underwriting processes to reduce risk for high default rate segment and get more profit from good segment• Setting up triggers of quantitative risk measurement for country• Providing risk inputs (provision rate, roll rate, recovery rate,...) into predictive financial model to budget yearly as well as re-forecast profitability quarterly• Monitoring and comparing the budget/new – forecast and real risk cost every month• Planning budget and head count for Risk and Collection division• Report directly to CRO. Support other departments such as Finance, Product, Sales Show less

• Credit Risk Analyst (Data Analyst)

  • Aug 2012 - Aug 2013

  • Data mining to analysis deeply segmentation having high default rate and then recommend suggestions in adjusting underwriting process• Maintaining and developing weekly underwriting report to monitor consumer loan portfolio of products • Maintaining and developing daily Credit Expert report to monitor productivity of team member • Evaluating verification process• Estimating expected loss on particular product and portfolio level• Providing risk inputs into financial model to calculate profitability every month as well as budget whole year• Monitoring and comparing the budget/new – forecast and real risk cost (loss provision, recovery, write – off) every month• Monitoring macro-economic sectors• Supporting some automatic tools (macro VBA)• Report directly to Risk Manager, CRO. Support other departments such as Finance, Product, Operation Show less



CSA

• Pakistan
• Government Administration

• QA Executive

  • Oct 2011 - Jul 2012

  • Working on Web filter software which can classify contents dynamically by analyzing the content of Web site based on samples of context at the time of access and support Vietnamese language to prevent harmful information from the Internet to end users. • Analysis and quantitative the best number (score) applying in rule set to ensure the software has a best accuracy and performance • Working on Web filter software which can classify contents dynamically by analyzing the content of Web site based on samples of context at the time of access and support Vietnamese language to prevent harmful information from the Internet to end users. • Analysis and quantitative the best number (score) applying in rule set to ensure the software has a best accuracy and performance



Elisoft

• Software Development
• 1 - 100 Employee

• Software Engineer

  • Oct 2007 - Sep 2011

  • Working on the Network Management software such as CA Ehealth, CA SPECTRUM of CA Technologies company in US • Fully support for a new certificate device by adding new code as well as fixing bug • Working on the Network Management software such as CA Ehealth, CA SPECTRUM of CA Technologies company in US • Fully support for a new certificate device by adding new code as well as fixing bug